B School Funding Financial Aid or Private Loan??

I noticed that right now current federal direct student aid loan rates for b school programs are either 6.2% or 7.2%. After I called a few private loan providers I noticed two of then were offering much lower fixed rates than the federal direct; 5% and 5.75% (same no. of years as federal). Not concerned with the grace period and deferment benefits so does it make sense to apply for federal aid or should I just go with a private loan?

 

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