There are many federal loan programs:

• Stafford Loans can be subsidized or unsubsidized depending if you qualify.
• Perkins Loans are for students with exceptional financial need.
• PLUS Loans are for loans in a parent's name.

An excellent source of information on eligibility and details for the loans listed above and other programs is the federal government's student aid site.

Private student loans

Private loans also exist for students, but the interest rates and terms are generally not as good as government loan programs.

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