If you need to take out a $10,000 student loan 2 years before graduating, which loan option will result in the lowest overall cost to you: a subsidized loan with 6.6% interest for 10 years, a federal unsubsidized loan with 6.3% interest for 10 years, or a private loan with  interest and a term of 14 years? How much would you save over the other options? All payments are deferred for 6 months after graduation and the interest is capitalized.