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According to Federal Student Aid, borrowers don’t start paying on federal student loans until after they leave college, while many private student loans require payment during college. Federal student loans often have low, fixed interest rates, while the interest rates on many private student loans are higher and subject to change. But there isn’t just one student loan to choose from. Four federal student loans to consider; Direct Subsidized Loan, Direct Unsubsidized Loan, Federal Perkins Loan, and Direct PLUS Loan.

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