Federal vs. private, subsidized vs. unsubsidized, PLUS loans, consolidation, and refinancing — what each one is, who it's for, and how it works. Accurate, neutral, and sourced to studentaid.gov and the CFPB.
Paying for college means navigating a maze of loan options. This guide breaks down the main types of student loans — federal and private — and how each works, so you can make an informed decision. We keep it accurate and neutral, and we point you to the official sources for the current numbers.
Use our free, instant repayment calculator to see your monthly payment, total interest, and how much an extra payment each month could save you — right in your browser, no sign-up. Informational only — not financial advice.
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Federal and private student loans work differently — who can get them, how rates are set, and what protections you keep. Understanding the distinction before you borrow can save thousands over the life of a loan.
From Direct Subsidized and Unsubsidized Loans to PLUS Loans, private loans, consolidation, and income-driven repayment — each guide covers who the loan is for, how the rate and limits are set, and the real pros and cons.
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