・Subsidized loans save you money because the government pays your interest while you’re in school. ・Unsubsidized loans are open to nearly all students but start accruing interest immediately.

The cost of college — including tuition, housing, textbooks and other fees — adds up for families. However, students are often eligible for financial aid, including scholarships, grants, work-study or ...

Julia Kagan is a financial/consumer journalist and former senior editor, personal finance, of Investopedia. Marguerita is a Certified Financial Planner (CFP), Chartered Retirement Planning Counselor ...

The cost of attending college continues to rise, and for many students, paying for their education requires borrowing. A variety of federal student loans are available through the U.S. Department of ...

The One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, makes significant changes to federal student loans that take effect on July 1, 2026. This webpage is designed to help you ...

Since it doesn't require a credit check and has more hardship protectinos, the best loan for graduate school is a federal ...

Taking classes in the fall? A new law will mean lower federal loan limits for some students and parents who help pay. Changes from the One Big Beautiful Bill Act take effect on July 1, 2026, and could ...

Passed in July 2025, the One Big Beautiful Bill Act (OB3) introduces significant changes to federal student loan programs. Federal student loan provisions included in OB3 have been enacted and are ...

Elizabeth Guevara is a personal finance reporter who explains the world of business and economics and how it impacts your finances. She joined Investopedia in 2024. Justin Sullivan / Getty Images The ...

Subsidized and unsubsidized federal student loans differ based on who pays interest while you’re in school, and come with different limits Written By Written by Staff Loans Writer, Buy Side Emily ...

The federal Direct Loan program offers subsidized and unsubsidized student loans for undergraduate students. The government covers interest payments on subsidized loans while you are in school at ...