Federal Direct Loans

Federal Direct Loans are loans from the U.S. government to help students pay for college. They typically offer lower interest rates and flexible repayment options compared to private loans. The funds are directly issued by the Department of Education and can be subsidized (the government pays interest while you're in school) or unsubsidized (interest accrues from the start). Borrowers usually need to start repaying the loan after graduation or when enrollment drops below half-time. These loans are a common way for students to finance higher education, making education more accessible and manageable through government-supported borrowing.