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If you qualify for the Federal Direct Stafford Loans (Sub & Unsub), please be aware that the federal government charges a loan fee. The Federal Direct Stafford Loans are required by law to provide a range of flexible repayment options, including, but not limited to, income-based repayment (IBR) and income-contingent repayment (ICR) plans, and loan forgiveness benefits, which other student loans are not required to provide; and Federal Direct Stafford Loans are available to students regardless of income.
Private student loans are not federal student loans. Private loans are credit based and may have, either, a variable or fixed interested rate. Private student loans can offer variable interest rates that can increase or decrease over time, depending on market conditions. Private student loans have a range of interest rates and fees; students should determine the interest rate of, and any fees associated with the private student loan before accepting the private loan. The student should contact the lender of the private student loan if they have any questions about the private student loan. The private student loan interest rate may depend on the borrower's credit rating. The student has the ability to choose any lender.