As a member of the 6 digit grad school federal student loan club, with loans around or below 6%; I am in more of a hurry to max out my investments prior to loan pay off...

There could be private, subsidized, Stafford, federal,  what have you, all at different rates. 

I pretty good at legal stuff even though I am not a lawyer (defended myself in federal court once... 

Certainly affordable compared to market rate, but still not quite affordable by federal/governmental standards.

A written agreement that complies with federal, state, and local law4.

In general, the federal government doesn't care HOW you borrowed the money, they care what the borrowed money was used for.

He just started a Federal job at GS-7: $47,374, and will make GS-9, $57,948 in one year.   

I have the federal taxes understood on this, but what about South Carolina tax?

Navy Federal Credit Union

Some lenders may verify, with no income verification, but with a higher interest rate, but this is something I need to do more research on and very much welcome any suggestions on any reputable companies I could work with.On that note, I am roughly familiar with a federally insured Title 1 loan that would even be applicable to properties one does not own!