1. Should I go to a private lender like Sallie Mae, or go to a bank for a bank loan?

2. Do I just... call them or something? Fill out an online application? Go in person?

3. What is a "good" interest rate and "bad" interest rate?

4. Is there anything else I should look for or compare between offers, or is interest rate the only thing that matters?

5. When should I apply for the loan and how long does it usually take to get approved / to actually get the money?

6. Is there some kind of loan schedule agreement where they give me X dollars per month or something like that? Or do I get a yearly loan at once in my bank account?

7. Do I have to renew the loan or ask for a new loan every year, or do we just agree on a set total amount now?

8. If I have existing credit card debt, is it legal to use some of these private loans to pay off the credit card debt? On that note, are there any restrictions on what I can use the loan for?

9. What is the whole Juno thing and should I use it?

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I have so many questions but I'm sure this info will help a lot of others as well. Thanks in advance for your answers