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Student borrowing in the United States includes federal loans and private loans. The source of the loan affects eligibility, pricing and repayment provisions. Begin with the school's financial-aid information and the aid available before deciding what remains to finance.How the borrowing arrangement worksCompare the full cost of attendance with grants, scholarships, savings and other resources. Borrowing for one year also affects the amount you may owe when studying is complete. Keep federal and private offers in separate columns.Costs and repaymentAsk when interest starts, when repayment begins and what options exist if circumstances change. Federal rules can depend on loan type and disbursement date. Private conditions depend on the lender and contract. Verify current details before choosing.Preparing to compare offersGather the school's aid offer, tuition and living-cost estimates and available savings.

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