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Direct Subsidized Loans and Direct Unsubsidized Loans are federal student loans offered by the U.S. Department of Education (ED) to help eligible students cover the cost of higher education at a four-year college or university, community college, or trade, career, or technical school.
Federal subsidized loans are low-interest loans made to students who demonstrate financial need. Undergraduates may borrow up to $3,500 for the first year, $4,500 for the second year and $5,500 for each remaining undergraduate year.
A Direct Subsidized Loan is a type of federal student loan available to students who demonstrate financial need. The federal government subsidizes this type of loan by paying the interest that accrues while the student is enrolled in school at least half-time and during qualifying periods of deferment, such as the grace period.
Both Direct Subsidized Loans and Direct Unsubsidized Loans are low-interest federal student loans that can help you pay for the costs of college or career school. But before you accept either one, it’s important that you understand how they’re different so you can make the best choices for your situation.
If your loans are subsidized, you are not responsible for paying the interest that accrues while you’re in school. If your loans are unsubsidized, you’re responsible for all the interest that accrues, even while you’re in school. Learn about the differences between subsidized and unsubsidized loans.
If you need student loans to pay for school, the first loans you should consider are federal direct subsidized and unsubsidized loans. Here's how they compare.
Here are the main differences you need to know when comparing the two federal student loan types: subsidized and unsubsidized student loans.
Federal student loans can be subsidized or unsubsidized. Both types have to be paid back with interest, but the government makes some interest payments on subsidized loans.
The federal government offers both unsubsidized and subsidized loans through the Direct Loan program. Subsidized loans are the more affordable option, as interest only accrues during...
There are two types of Direct Loans: subsidized and unsubsidized. The interest on subsidized loans is paid by the government while you're still in school. Meanwhile, you are responsible for paying the interest that accrues on unsubsidized loans while you’re in school.