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Is Sallie Mae a federal loan?

All Sallie Mae loans taken out since 2014 are private. The best way to determine if you have federal or private student loans is to check studentaid.gov. If you need to borrow money for college, exhaust federal student loans before taking out a private student loan.

Are direct unsubsidized loans federal forgiven?

Youll also be eligible for student loan forgiveness on any remaining balance after the repayment period ends. This is usually after 2025 years. Both direct subsidized and unsubsidized loans are eligible for any of the four IDR plans.

Do you have to pay back a direct loan?

You must start paying back your loan after you graduate, leave school, or drop below half-time enrollment. Repayment starts after your six-month grace period has ended.

Do unsubsidized loans have interest while in school?

If your loans are subsidized, you are not responsible for paying the interest that accrues while youre in school. If your loans are unsubsidized, youre responsible for all the interest that accrues, even while youre in school. Learn about the differences between subsidized and unsubsidized loans.

What is a federal direct loan unsubsidized?

A Federal Direct Unsubsidized Loan is a non-need based, low-interest loan with flexible repayment options. It is available to both undergraduate and graduate students.

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