Механизаторы

Federal student loans are made through government programs. Eligibility, limits and repayment rules depend on the program, the borrower and sometimes the date the loan is made. Start with StudentAid.gov and the school's financial-aid office.How the borrowing arrangement worksComplete the required aid process and review the award information. Subsidized and unsubsidized loans differ in how interest is handled in qualifying periods. Ask the school to explain the exact loan type, amount and timing shown in the aid offer.Costs and repaymentBefore accepting, record the interest rate, any loan fee and the repayment rules that apply. Do not rely on an older summary of repayment programs. Replacing federal debt with a private refinance can change access to federal provisions, so examine that choice separately.Preparing to compare offersUse your own StudentAid.gov account and check the correct FAFSA award year.

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