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You’re charged interest starting at disbursement, while in school and during your six-month separation or grace period.

When you enter principal and interest repayment, Unpaid Interest will be added to your loan’s Current Principal.

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Federal student loans offer borrower protections that private loans may not, such as income-based repayment plans and forgiveness programs.

Federal student loan limits vary based on whether you’re an independent or dependent student; the type of degree you’re pursuing (undergraduate or graduate); and, for undergraduates, your year in school.

If you borrow the maximum amount of federal student loans and still don’t have enough to cover your costs, you may have to take out private loans.

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