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Federal Direct Loans
 
If you don't receive enough free money to pay for college and you aren't able to cover your costs with savings or other resources, there are Federal Direct student loans. 
 
These type of loans through the U.S. Department of Education will likely have lower interest rates. 
 
There are also Federal Direct loans for parents enabling your parents or stepparents to borrow money to aid you in paying for the cost of your schooling.