We’ll dive into the ins and outs of subsidized vs. unsubsidized student loans, but remember that loans are just one type of financial aid that you may be offered.

21 hours ago · The Direct Loan program offers subsidized and unsubsidized loans to qualifying undergraduate students. Eligibility, borrowing limits and interest terms vary by loan type.

Anyone can borrow unsubsidized federal loans, but those who qualify for subsidized loans save more money in interest.

Nov 21, 2025 · Learn the key differences between subsidized and unsubsidized federal student loans, including limits, eligibility, and smart borrowing tips to save money.

Mar 20, 2025 · The federal government offers both subsidized and unsubsidized student loans. Subsidized loans generally have better terms, but eligibility is stricter.

At the simplest level, the word "subsidized" tells you that the government is helping you with the cost of borrowing, while "unsubsidized" means you are on your own from day one.

Nov 15, 2025 · Subsidized loans don't accumulate interest while you're in school, but unsubsidized loans start accruing interest immediately. Subsidized loans range from $3,500 to …