Student Loans 101

Student Loan Overview

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Student Loan Overview: Federal Student Loans and Private Loans


Student loans help students and their parents pay for college each year. How do you put this popular type of financial aid to work for you? What do you need to know?

Even though they are often referred to as “financial aid” and included in your financial aid package, a student loan is money you borrow that you have to pay back, with interest.  It is very common for schools to offer student loans as part of a financial aid package that also includes grants. Therefore, it is very likely that you will have student loans to repay as part of your financial aid package to attain your higher education.

Most student loans do not require payments while you are enrolled at least half-time and offer long repayment terms. Make sure that you fully understand your rights and responsibilities for borrowing and repayment before accepting this important form of student financial aid.


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Continue to learn about different types of student loans.

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