DS is now a contracted, and he is overjoyed. Selected for Color Guard and the Northern Warfare Challenge, and is more than proud to wear the uniform every Thursday. Question: He had to take out a student loan his first year, and he wants to start paying that down so that he doesn't get socked with the interest. Are there any options he might have such as taking out a individual loan with lower interest (like a 10 year), and then having the option of paying it off even sooner, if $'s are there. I believe after one graduates there are some options for active duty but what about a federal program while still in school? Thanks for guidance on how to best to proceed.