<human>: I'm starting my 24 month PA (physician assistant) school program in the fall and I'm looking into payment options. I have family that are willing to pay for a chunk of the money, but I'll need to cover about $20k/year on my own through loans (they don't allow you to go part time or work while in school).

There's the federal Direct Unsubsidized Stafford Loan with origination fee of 1.068% and 5.84% interest rate, max of $20,500/year. This is the go-to loan for most and something that I am considering. 

However, I was wondering if it would ever be worth it to take a private loan? My credit score is good (Credit Karma and Mint both show ~750) and I could have a solid co-signer. It seems like there are some low rates for variable rate loans. One search I found was from Wells Fargo:

and they have as low as 3.17% variable with no origination fee. I found other rates from private loans tied with LIBOR + ~2.5%, and LIBOR rates have been pretty low (under 1% ?) (

Condense the text into a few key points
<bot>: So basically I'm asking how likely it is for me to get a private loan with a better overall rate than the Unsubsidized Stafford Loan?