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Federal student loan amounts and terms for loans issued in 2019-20 Stafford loans are for undergraduate, graduate and professional students enrolled at least half-time. A subsidized loan is awarded on the basis of financial need, and the government pays the interest before repayment begins or during authorized periods of deferment.Unsubsidized loans are not awarded based on financial need and borrowers are responsible for all interest.Unless the lender determines that extenuating circumstances exist, you will not pass the credit check if you: Consolidation is similar to refinancing a loan.
The actual loan amount you are eligible to receive each academic year may be less than the annual loan limit.
The bad news is that the federal government has extraordinary powers to collect student loans if you default.