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- Filing the FAFSA 2025-2026: A Simple Guide for Students
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- The complete guide to federal undergraduate student loans
- What are Federal Parent PLUS Loans and How to Apply
- Financial Aid for Graduate School
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Home » Student Loans » Federal Student Loans
Federal Student Loans
Editor's Picks for Federal Student Loans
The federal student loan program offers a variety of options. It can seem overwhelming, and tricky to navigate, but it doesn't have to be. Learn more about your options and compare the loans to find out which one is right for you.
Get your federal undergraduate student loan questions answered with our complete guide!
First, start by filing the FAFSA to apply for federal student loans. There are thousands of scholarships and grants available for graduate students as well.
Most Popular Federal Student Loan Articles
Student Loan Borrowing Limits in 2025?
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Most student loans have limits that affect how much you can borrow. Learn about the limits for Direct, Perkins, PLUS, consolidation, and private loans.
Direct Unsubsidized Loans
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Direct Unsubsidized Loans are federal student loans available to undergraduate and graduate students. Learn more about eligibility, interest rates, and how to apply.
Student Financial Aid
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You may be wondering how you can afford to go to college. Financial aid is a way for you to get money to help cover the cost of your education. Financial aid comes in different forms such as grants, scholarships, work-study programs, and loans. This money is provided to you to make college more affordable and accessible.
How Financial Aid Works
Student Financial Aid
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You may be wondering how you can afford to go to college. Financial aid is a way for you to get money to help cover the cost of your education. Financial aid comes in different forms such as grants, scholarships, work-study programs, and loans. This money is provided to you to make college more affordable and accessible.
Financial aid letters can play a big part in what school you choose to attend. We've got tips on what they mean, plus how to compare them.
Federal Student Loan Interest Rates and Fees
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Interest rates on Direct Loans are fixed. Undergraduates receive lower interest rates than graduate students. Find current interest rates and fees for Direct Loans.
Student Loans for College 2025
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There are two main types of student loans for college. Federal student loans offered by the federal government, and private student loans. Get straight answers on how they work and which one may be best for you.
How to Get a Student Loan
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Wondering how to get a student loan? The first step is to fill out the FAFSA.
If you have taken out a student loan to help cover the costs of your education, you will want to understand the potential impact it can take on your taxes. When it comes to tax season, many students are concerned about how their student loans will affect their tax filing.
How Long Does it Take to Get a Student Loan
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You may be wondering how long it takes to get a student loan? Generally speaking, you can expect your application to be processed in as little as a few days, to as many as a few weeks, but it could be months before the loan is disbursed.
Financial Aid for Veterans Going to College
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If you are a veteran, transitioning from military service to civilian life can be a big adjustment. Education can play an important role in this process, offering not only career opportunities but also a means of personal growth and development.
What are Federal Student Loans
Subsidized vs Unsubsidized Student Loans
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The federal student loan program offers a variety of options. It can seem overwhelming, and tricky to navigate, but it doesn't have to be. Learn more about your options and compare the loans to find out which one is right for you.
Student Loan Borrowing Limits in 2025?
Updated on
Most student loans have limits that affect how much you can borrow. Learn about the limits for Direct, Perkins, PLUS, consolidation, and private loans.
Parent PLUS Loans vs. Private Student Loans
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Review the pros and cons of Parent PLUS Loans to private student loans. Comparison chart included.
Private Parent Student Loans
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Several lenders offer private loans specifically for the parents of college students. Learn more about the costs and benefits of Private Parent Loans.
Learn how who is eligible to borrow a Parent PLUS Loan, what to consider, and how to apply.
Student loan deferment is a temporary suspension of student loan payments, whereas forbearance is a plan that temporarily reduces or suspends student loan payments, but the borrower is still responsible for paying the interest on the loan while in forbearance.
How do I Locate my Student Loans?
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Here are four common methods for locating your student loans. You will need to know who your loan servicers are in order to refinance your student loans.
Student loan default can stay on your credit report for up to 7 years. Even if you are falling behind on your payments you can prevent student loan default. If you are in student loan default, there are ways to recover.
Federal student loans are an important way the government helps you pay for college. They’re especially helpful because they offer benefits like fixed interest rates, flexible repayment plans, and, in some cases, loan forgiveness programs.
Undergraduate Loans
How to Pay for Community College
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One of the benefits of community college is its affordability. Here are 8 different ways you can pay for community college, 6 of which do not require student loans.
Federal Direct Subsidized Student Loans
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Get the details on the Direct Subsidized Loan program, including eligibility, interest rates and how to apply.
Direct Unsubsidized Loans
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Direct Unsubsidized Loans are federal student loans available to undergraduate and graduate students. Learn more about eligibility, interest rates, and how to apply.
Get your federal undergraduate student loan questions answered with our complete guide!
Choosing the right student loan is one of the most important decisions you'll make when planning for college. As a first-time borrower, you need to understand how different loan options can impact your financial future.
Student Loans for Summer School
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Summer school is a great way for you to stay on track with your education or even get ahead. By taking summer classes, you can earn credits faster, graduate earlier, or catch up on any classes you might have missed. It’s a smart option if you want to make the most of your time and reach your academic goals more quickly.
Graduate Loans
Financial Aid for Graduate School
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First, start by filing the FAFSA to apply for federal student loans. There are thousands of scholarships and grants available for graduate students as well.
Student Loans for Health Professions - HPSL
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Health professions student loans are need-based, government loans that come with service requirements and loan limits. There are four kinds of health professions loans.
Bar Exam and Bar Prep Loans
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Why should you apply for a bar loan? Bar exam and bar prep loans cover the costs of exam prep, the bar exam itself, and living expenses while you are preparing to take the bar.
Dental Residency and Relocation Loans
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Residency and relocation loans help dental school students and graduates pay for the cost of preparing for dental boards and relocating for a residency.
How to Pay for Law School
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Scholarships, grants, federal and private student loans are all available to help pay for law school.
How to Pay for Medical School
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Medical students can find scholarships, fellowships, and assistantships to help pay for school. Savings may be an option, but loans are often needed. Start with federal student loans then look for competitive private loans.
How to Pay for Pharmacy School
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Scholarships, grants and federal student loans are the best place to start when paying for pharmacy school. Private student loans are also an option and offer competitive interest rates.
Best MBA Loans for Business School
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Planning on earning an MBA? Get to know your federal and private student loan options for covering the cost of business school, including who is eligible, and how much you can borrow.
Medical Residency and Relocation Loans
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Medical and residency loans help post-graduate medical students pay for board exam fees and costs associated with residency and relocation. Find competitive loans from top lenders.
Student Loans for Graduate School
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Graduate students can borrow federal and private student loans. Federal student loans include Direct Unsubsidized Loans and Grad PLUS Loans. Private student loans are also available and may offer more competitive rates.
Compare Private Student Loans to PLUS Loans
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Comparing student loan options for can be difficult. This chart will help you understand the differences between private student loans and PLUS Loans, including options for parents.
Federal Student Loans
Most college students will have to borrow one or more student loans before they graduate, because there aren’t enough government grants to cover all college costs. There are more than $100 billion in new student loans made each year and more than $1 trillion in student loan debt outstanding.
The average student loan debt for a bachelors degree is $36,510 and the average student loan debt for a masters degree is $71,318
It is always best to determine if you have federal or private student loans, and who services them before you start the refinance or consolidation process. To find your federal student loans log into your My Federal Student Aid account with the U.S. Department of Education. For private student loans request your free annual credit report at AnnualCreditReport.com.
Most new private student loans require the borrower to have a creditworthy cosigner. This includes more than 90% of new private student loans to undergraduate students and more than 75% of new private student loans to graduate and professional students. But, what if the student doesn't have a creditworthy cosigner?
There are the obvious expenses you can use your student loans for such as school tuition and fees. However, you can use your student loans to help you cover other education-related costs. Some of those items include:
To qualify for federal, state, and college financial aid for graduate school, you have to submit the FAFSA (Free Application for Federal Student Aid). The FAFSA is required to receive federal and state grants and scholarships, as well as federal student loans, including Perkins Loans, Direct Unsubsidized Loans, and Grad PLUS Loans.
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