About
Learn the basics of federal student loans so you can make smart, informed decisions about paying for college. This course explains what federal loans are, how they differ from private loans, who qualifies for them, and why they offer important protections like income driven repayment options and forgiveness programs. You will also learn about subsidized and unsubsidized loans, PLUS loans, consolidation, borrowing limits, and the steps required to receive federal aid. By the end, you will understand how federal loans work and how to approach borrowing with clarity and confidence. You are learning about a possible future college cost, not being asked to take out a loan. Use made-up amounts for practice. Before any real borrowing decision, review the costs with a parent, guardian or trusted adult and ask the college financial aid office for guidance.