I would definitely avoid Citibank if you can. Yes, @mirza they are fast at getting it worked through the system but they have tried to cheat both my sister and myself out of money on our loans (i.e.- my sister was making double payments each month to pay down the principal but they were taking the extra payment and applying it to future interest!) That is straight crime. We repeatedly tried to solve the issues with Citibank thinking that they were just making mistakes but it got to the point where we realized they were trying to scam us every way possible. Thank goodness my parents were around to help us recognize all this. They wanted to file a class action lawsuit against Citibank but instead they just consolidated them all into Wells Fargo. If you do research I believe Citibank had been sued for corporate crime in the past. (That was in my sociology textbook!)
Anyways, I would definitely look into taking out as much FAFSA money as you can and avoid private loans if possible, then resort to the scholarship list at your schools Financial Aid department. Apply to any and every one that you are qualified for because there really is a ton of money out there in scholarships for those who take the time and effort to look and apply. Best of luck!