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Source Date: 
Friday, February 22, 2019

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Introduction to Federal Student Loans

Several low-cost, fixed-rate loans are available to undergraduate students, graduate students, and parents of dependent undergraduate students from the U.S. Department of Education’s Direct Loans and Perkins Loans programs. Find out more about federal student loans.

Compare Student Loans: Subsidized, Unsubsidized, PLUS, and Private

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.

Direct Loans

Sometimes called Stafford Loans, Direct Loans are federal student loans available to undergraduate and graduate students. Direct Loans offer low, fixed interest rates and subsidized interest to eligible undergraduates.

Parent PLUS Loans

Parents of dependent undergraduate students may be eligible for the Parent PLUS loan, a low, fixed interest rate loan with flexible loan limits. A simple credit check is required to qualify.

“This would be a much better world if more married couples were as deeply in love as they are in debt.”
– Earl Wilson
"There is scarcely anything that drags a person down like debt."
– P. T. Barnum
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– Marie Curie
The road to success is always under construction
– Lily Tomlin
"Bankruptcy laws allow companies to smoothly reorganize, but not college graduates burdened by student loans."
– Robert Reich
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– Irwin "Professor" Corey
“What I would like to do... once I take care of all my kids' student loans, is buy a red 1965 Mustang and fully restore it.”
– Mike Quigley