Access Group Loan Approved

I got my first year loan approved from Access Group. This is the comprehensive private student loan for international students with credit history. The interest rates for this loan depends on the 3-month LIBOR rates,
http://www.bankrate.com/brm/ratewatch/other-indices.asp

I heard from the student financial services that the loan from citibank is much more cheaper and would save us nearly $25,000 in the long run. But only caveat for international students is that it requires a co-signer who is a U.S citizen.

Oh well, I don't have a choice, but maybe you do.