Stafford Student Loans Stafford loans are a type of student loan. There are two types of Stafford student loans: subsidized and unsubsidized student loans. Subsidized student loans are loans in which the interest does not accrue during the time of the student loan until you are ready for repayment (usually after you complete your degree, etc.). The interest is subsidized by the federal government. Unsubsidized student loans start to accrue interest once the money is paid out. These student loans can become costly over time, but are well worth it to pursue an educational dream. Some students think that they can only apply for a Stafford student loan if they are of financial need. This not true. Anyone can apply, however those students in more financial need are more likely to receive a subsidized student loan. In addition, once the education is completed, students have up to 10 years to repay their Stafford student loans, and they are given a grace period of 6 months before that. Quite a student loan deal!

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