Direct Unsubsidized Loans

Direct Unsubsidized Loans are federal student loans available to students regardless of financial need. Unlike subsidized loans, interest begins accruing as soon as the loan is disbursed, even while you're in school. You’re responsible for paying this interest, which can be paid during school or added to the loan amount (capitalized) when you enter repayment. These loans often have fixed interest rates and offer flexible repayment options. They are a common way for students to help cover college costs, providing access to funds without immediate repayment obligations, but it’s important to understand the interest and repayment terms.