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I don't know what your criteria is for 'large' return. But my experience is that there are no large returns going on right now!
Your bank should have a wide array of savings options. We currently have money that automatically deducts out of our checking into savings, from there into an IRA.
You can also look into money market accounts and CD's.
But perhaps the best savings will come from paying down the principal on your unsubsidized loans and you will be golden if you can actually pay down your subsidized loans before the rates kick in upon graduation.
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