{"id":1475,"date":"2017-05-06T17:06:07","date_gmt":"2017-05-07T01:06:07","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=1475"},"modified":"2022-03-01T13:02:20","modified_gmt":"2022-03-01T21:02:20","slug":"subsidized-vs-unsubsidized-student-loans-which-is-for-you","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/refinance-student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/","title":{"rendered":"Subsidized vs. Unsubsidized Student Loans: Know the Difference"},"content":{"rendered":"<p>When you apply for federal financial aid to pay for college, you might be offered Direct Subsidized or <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/what-is-a-federal-direct-unsubsidized-loan\/\">Direct Unsubsidized Loans<\/a> in your financial aid award letter.<\/p>\n<ul>\n<li><b>With Direct Subsidized Loans<\/b>, the U.S. Department of Education covers the interest that accrues while you\u2019re in school, during your grace period after graduation, and during loan deferments.<\/li>\n<li><b>With unsubsidized loans<\/b>, you\u2019re responsible for all interest that accrues.<\/li>\n<\/ul>\n<p>Subsidized loans can save you thousands of dollars in interest charges in the long run. But you might need to rely on unsubsidized loans if you don\u2019t qualify for subsidized loans or have met the subsidized loan limit.<\/p>\n<p><b>Here\u2019s what you need to know when choosing between subsidized vs. unsubsidized loans: <\/b><\/p>\n<ul>\n<li><a href=\"#subsidized-vs-unsubsidized-loans\">Subsidized vs. unsubsidized loans<\/a><\/li>\n<li><a href=\"#other-loan-options\">Other student loan options<\/a><\/li>\n<\/ul>\n<p><a name=\"subsidized-vs-unsubsidized-loans\"><\/a><\/p>\n<h2>Subsidized vs. unsubsidized loans<\/h2>\n<ul>\n<li><b>Direct Subsidized Loans: <\/b>Unlike other types of <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/federal-student-loans-guide\/\">federal student loans<\/a>, Direct Subsidized Loans are only for undergraduate students with financial need. With subsidized loans, the Department of Education will pay the interest on your loan while you\u2019re in school at least half time, for the first six months after you graduate, and during loan deferments. You can usually borrow only a small amount in subsidized loans to <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/pay-for-college\/\">pay for college<\/a>.<\/li>\n<li><b>Direct Unsubsidized Loans:<\/b> Unsubsidized loans are available to any student regardless of their financial need. Both undergraduate and graduate as well as professional degree students can qualify for unsubsidized loans. However, you\u2019re responsible for all of the interest that accrues on the loan, even while you\u2019re in school. Direct Unsubsidized Loans also come with higher <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/student-loan-limits\/\">borrowing limits<\/a> than subsidized loans, so you can take out more money to cover your education costs.<\/li>\n<\/ul>\n<p>After you <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-to-apply-for-student-loans\/\">apply for federal student loans<\/a> and are accepted to a school, you\u2019ll receive a <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/financial-aid-award-letters\/\">financial aid award letter<\/a>. In this letter, you might see Direct Subsidized and Direct Unsubsidized Loans listed as two of your options. Subsidized and unsubsidized loans are two types of federal Direct student loans (also known as <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/federal-stafford-loans\/\">Federal Stafford Loans<\/a>). Both offer lower <a href=\"https:\/\/www.credible.com\/blog\/student-loan-interest-rates\/\">student loan interest rates<\/a> than private student loans, as well as federal protections.<\/p>\n\n<table id=\"tablepress-247\" class=\"tablepress tablepress-id-247 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\"><strong>Direct Subsidized Loans<\/strong><\/th><th class=\"column-3\"><strong>Direct Unsubsidized Loans<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><strong>Who qualifies?<\/strong><\/td><td class=\"column-2\">Undergrad borrowers with financial need<\/td><td class=\"column-3\">Undergrad, graduate, and professional students<br \/>\n<small>(regardless of financial need)<\/small><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><strong>Available to graduate or professional students?<\/strong><\/td><td class=\"column-2\">No<\/td><td class=\"column-3\">Yes<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><strong>Interest rates<\/strong><\/td><td class=\"column-2\"><ul><li><strong>Undergrad:<\/strong> <span data-sheets-value=\"{&quot;1&quot;:3,&quot;3&quot;:0.055}\" data-sheets-userformat=\"{&quot;2&quot;:577,&quot;3&quot;:{&quot;1&quot;:3,&quot;2&quot;:&quot;0.00%&quot;,&quot;3&quot;:1},&quot;9&quot;:0,&quot;12&quot;:0}\">5.50%<\/span><\/li><\/ul><\/td><td class=\"column-3\"><ul><li><strong>Undergrad:<\/strong> <span data-sheets-value=\"{&quot;1&quot;:3,&quot;3&quot;:0.055}\" data-sheets-userformat=\"{&quot;2&quot;:577,&quot;3&quot;:{&quot;1&quot;:3,&quot;2&quot;:&quot;0.00%&quot;,&quot;3&quot;:1},&quot;9&quot;:0,&quot;12&quot;:0}\">5.50%<\/span><\/li><li><strong>Graduate or professional:<\/strong> <span data-sheets-value=\"{&quot;1&quot;:3,&quot;3&quot;:0.0705}\" data-sheets-userformat=\"{&quot;2&quot;:577,&quot;3&quot;:{&quot;1&quot;:3,&quot;2&quot;:&quot;0.00%&quot;,&quot;3&quot;:1},&quot;9&quot;:0,&quot;12&quot;:0}\">7.05%<\/span><\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><strong>Aggregate loan limits<br \/>\n<small>(for dependent students)<small><\/strong><\/td><td class=\"column-2\"><ul><li><strong>Undergrad:<\/strong> $23,000<\/li><\/ul><\/td><td class=\"column-3\"><ul><li><strong>Undergrad:<\/strong> $31,000<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><strong>Aggregate loan limits<br \/>\n<small>(for independent students)<\/small><\/strong><\/td><td class=\"column-2\"><ul><li><strong>Undergrad:<\/strong> $23,000<\/li><li><strong>Graduate or professional:<\/strong> $65,500<\/li><\/ul><\/td><td class=\"column-3\"><ul><li><strong>Undergrad:<\/strong> $57,500<\/li><li><strong>Graduate or professional:<\/strong> $138,500<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><strong>Interest covered by the Department of Education<\/strong><\/td><td class=\"column-2\"><ul><li>While in school at least half time<\/li><li>During grace periods<\/li><li>During forbearance periods<\/li><\/ul><\/td><td class=\"column-3\">None<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<h3>When to choose a subsidized loan<\/h3>\n<p>If you\u2019re an undergraduate student with financial need, it\u2019s a good idea to <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/must-borrow-college-start-subsidized-student-loans\/\">borrow what you can in subsidized loans<\/a> before turning to unsubsidized loans. With a subsidized loan, the government covers some of your interest charges, which helps you save money over your repayment term.<\/p>\n<h3>When to choose an unsubsidized loan<\/h3>\n<p>In some cases, you\u2019ll need to take out unsubsidized loans instead of subsidized loans, even though <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/hidden-costs-federal-direct-unsubsidized-student-loans\/\">subsidized loans can cost you more<\/a> over time. Here are a few common situations where you might choose unsubsidized loans:<\/p>\n<ul>\n<li><b>You\u2019re a graduate or professional degree student: <\/b>Subsidized loans are only for undergraduate students. If you\u2019re pursuing a graduate a professional degree, you\u2019re ineligible for subsidized loans. Instead, you can take out unsubsidized loans or Direct PLUS Loans.<\/li>\n<li><strong>You don\u2019t have financial need:<\/strong> Only students with financial need can take out subsidized loans. But unsubsidized loans are for any borrower, regardless of their financial situation.<\/li>\n<li><strong>You\u2019ve reached the annual limit:<\/strong> The annual limits for subsidized loans are relatively low. For example, independent first-year undergraduate students can only take out $3,500 in subsidized loans. If you need more money than that to pay for school, you\u2019ll need to take out unsubsidized loans, which have higher limits.<\/li>\n<\/ul>\n<p><b><i>Learn More: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/student-loans\/how-to-take-out-a-student-loan\/\"><b><i>How to Take Out a Student Loan<\/i><\/b><\/a><\/p>\n<div id=\"loan-score-tool\">\n  Loading widget - loan-score-tool\n<\/div>\n\n<h2>Other student loan options<\/h2>\n<p>Unfortunately, you might not qualify for enough federal financial aid to cover the total cost of your program. If that\u2019s the case and you\u2019ve reached the limit for subsidized and unsubsidized loans and still need money to pay for school, <a href=\"https:\/\/www.credible.com\/student-loans\">private student loans<\/a> can fill the gap.<\/p>\n<p>With a private student loan, you work with a private lender to borrow the money you need. Terms vary from lender to lender, but you can typically borrow up to the total cost of attendance.<\/p>\n<p>It\u2019s a good idea to compare offers from as many private student loan lenders as possible to <a href=\"https:\/\/www.credible.com\/blog\/student-loans\/when-to-apply-for-student-loans\/\">find the best loan for you<\/a>. Credible makes it easy to do just that \u2014 plus, you only have to fill out one form instead of multiple applications.<\/p>\n\n<table id=\"tablepress-218\" class=\"tablepress tablepress-id-218 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles tbody-has-connected-cells\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\"><strong>Lender<\/strong><\/th><th class=\"column-2\"><strong>Fixed rates from (APR)<\/strong><\/th><th class=\"column-3\"><strong>Variable rates from (APR)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/ascent\/\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n        <\/div>        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    2.69%+<sup>10<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.65%+<sup>10<\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/citizens-bank\/#citizens-bank-private-student-loans\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n        <\/div>        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.24%+<sup>1<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    4.98%+<sup><\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/college-ave\/#college-ave-private-student-loans\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A three-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-three-quarter.svg\">\n        <\/div>        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    2.59%+<sup>2,3<\/sup>\n  <\/span>\n<br \/>\n<\/td><td class=\"column-3\">  <span>\n    3.89%+<sup>2,3<\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/custom-choice\/\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n        <\/div>        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.35%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    3.68%+<sup><\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/invested\/#invested-private-student-loans\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n        <\/div>        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    4.5%+<sup>8<\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">  <span>\n    6.08%+<sup>8<\/sup>\n  <\/span>\n<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/mefa\/#mefa-private-student-loans\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A half star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-half.svg\">\n        <\/div>        <\/div>\n        <\/td><td class=\"column-2\">  <span>\n    3.29%+<sup><\/sup>\n  <\/span>\n<\/td><td class=\"column-3\">N\/A<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\"><center><br \/>\n<br \/>\n        <div class=\"tablepress-rating-shortcode \">\n        <div class=\"heading__container \">\n    <span class=\"heading\">\n                    <a href=\"https:\/\/www.credible.com\/lenders\/sallie-mae\/\">Credible Rating<\/a>\n            <\/span>\n            <div class=\"even\" data-toggle=\"tip\" data-placement=\"top left\">\n    <img decoding=\"async\" class=\"icon-help m-a-0\" alt=\"Question mark icon to show more information\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/icon-help-dark.svg\">\n    <span class=\"tip\">\n        <span class=\"tip-content\" >Credible lender ratings are evaluated by our editorial team with the help of our loan operations team. The rating criteria for lenders encompass 78 data points spanning interest rates, loan terms, eligibility requirement transparency, repayment options, fees, discounts, customer service, cosigner options, and more. <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology.<\/a><\/span>\n        <span class=\"tip-arrow\"><\/span>\n    <\/span>\n<\/div>\n    <\/div><div class=\"star-rating__container\">\n                <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                    <img decoding=\"async\" class=\"star-light\" alt=\"A full star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-full.svg\">\n                            <img decoding=\"async\" class=\"star-light\" alt=\"A one-quarter star\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/themes\/credible\/assets\/images\/lender-rating\/star-light-quarter.svg\">\n            <\/div>        <\/div>\n        <\/td><td class=\"column-2\"><span style=\"font-weight: 400;\">  <span>\n    2.890%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    17.49%<sup>9<\/sup>\n  <\/span>\n<\/span><\/td><td class=\"column-3\"><span style=\"font-weight: 400;\">  <span>\n    3.75%<sup>9<\/sup>\n  <\/span>\n -   <span>\n    16.370%<sup>9<\/sup>\n  <\/span>\n<\/span><\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td colspan=\"3\" class=\"column-1\"><center><b>Compare rates without affecting<br> your credit score. 100% free!<\/b><br><br \/>\n<a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/student-loans\/start\">Compare Now<\/a><\/center><br><\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td colspan=\"3\" class=\"column-1\"><p style=\"text-align: center;\"><small>Lowest APRs reflect autopay, loyalty, and interest-only repayment discounts where available | <a href=\"https:\/\/www.credible.com\/blog\/credible-rating-lender-methodology\/\">Read our full methodology<\/a> | <sup>10<\/sup><a href=\"https:\/\/www.credible.com\/a\/ascent-student-loan-disclosure\/\" target=\"_blank\" rel=\"noopener noreferrer\">Ascent Disclosures<\/a> | <sup>1<\/sup><a href=\"https:\/\/www.citizensbank.com\/student-lending\/DisclosureHub.aspx#rate-lowest\" target=\"_blank\" rel=\"noopener noreferrer\">Citizens Disclosures <\/a> | <sup>2,3<\/sup><a href=\"https:\/\/www.credible.com\/a\/college-ave-disclosures\/\" target=\"_blank\" rel=\"noopener noreferrer\">College Ave Disclosures<\/a> | <sup>11<\/sup><a href=\"https:\/\/www.credible.com\/a\/cogfin-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\">Custom Choice Disclosures<\/a> | <sup>7<\/sup><a href=\"https:\/\/www.credible.com\/a\/edvestinu-apr-details-inschool\" target=\"_blank\" rel=\"noopener noreferrer\">EDvestinU Disclosures<\/a> | <sup>8<\/sup><a href=\"https:\/\/www.credible.com\/a\/invested-disclosures\" target=\"_blank\" rel=\"noopener noreferrer\">INvestEd Disclosures<\/a> | <sup>9<\/sup><a href=\"https:\/\/www.credible.com\/a\/sallie-mae-homepage-disclosures\/\" target=\"_blank\" rel=\"noopener noreferrer\">Sallie Mae Disclosures<\/a><\/small><\/p><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n","protected":false},"excerpt":{"rendered":"<p>When you apply for federal financial aid to pay for college, you might be offered Direct Subsidized or Direct Unsubsidized Loans in your financial aid award letter. With Direct Subsidized Loans, the U.S. Department of&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/refinance-student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/\">Continue reading<\/a><\/p>\n","protected":false},"author":28,"featured_media":39428,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[2],"tags":[1464],"class_list":["post-1475","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-refinance-student-loans","tag-no-sidebar","subsidized-vs-unsubsidized-student-loans-which-is-for-you","post_tag-no-sidebar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Subsidized vs. Unsubsidized Student Loans: Know the Difference<\/title>\n<meta name=\"description\" content=\"Direct Subsidized Loans and Direct Unsubsidized Loans can both help you pay for college. Here\u2019s how to choose between subsidized vs. unsubsidized loans.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Subsidized vs. Unsubsidized Student Loans: Know the Difference\" \/>\n<meta property=\"og:description\" content=\"Direct Subsidized Loans and Direct Unsubsidized Loans can both help you pay for college. Here\u2019s how to choose between subsidized vs. unsubsidized loans.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/\" \/>\n<meta property=\"og:site_name\" content=\"Credible\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/crediblelabs\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-05-07T01:06:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-03-01T21:02:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/05\/subsidized-loans-vs-unsubsidized-loans.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1476\" \/>\n\t<meta property=\"og:image:height\" content=\"590\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Kat Tretina\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@KatTretina\" \/>\n<meta name=\"twitter:site\" content=\"@credible\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Kat Tretina\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\\\/\"},\"author\":{\"name\":\"Kat Tretina\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/person\\\/50561ca60c7eac39b1660450e763dbb6\"},\"headline\":\"Subsidized vs. Unsubsidized Student Loans: Know the Difference\",\"datePublished\":\"2017-05-07T01:06:07+00:00\",\"dateModified\":\"2022-03-01T21:02:20+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\\\/\"},\"wordCount\":725,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/subsidized-loans-vs-unsubsidized-loans.png\",\"keywords\":[\"no-sidebar\"],\"articleSection\":[\"Student Loan Refinancing\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\\\/\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\\\/\",\"name\":\"Subsidized vs. Unsubsidized Student Loans: Know the Difference\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/subsidized-loans-vs-unsubsidized-loans.png\",\"datePublished\":\"2017-05-07T01:06:07+00:00\",\"dateModified\":\"2022-03-01T21:02:20+00:00\",\"description\":\"Direct Subsidized Loans and Direct Unsubsidized Loans can both help you pay for college. Here\u2019s how to choose between subsidized vs. unsubsidized loans.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/subsidized-loans-vs-unsubsidized-loans.png\",\"contentUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/subsidized-loans-vs-unsubsidized-loans.png\",\"width\":1476,\"height\":590,\"caption\":\"subsidized loans vs unsubsidized loans\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/student-loans\\\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Subsidized vs. Unsubsidized Student Loans: Know the Difference\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/\",\"name\":\"Credible\",\"description\":\"Getting borrowers connected to the right information for student loan refinancing, student loans, and personal loans.\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#organization\",\"name\":\"Credible\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/01\\\/Picture1.png\",\"contentUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2017\\\/01\\\/Picture1.png\",\"width\":901,\"height\":196,\"caption\":\"Credible\"},\"image\":{\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/crediblelabs\\\/\",\"https:\\\/\\\/x.com\\\/credible\",\"https:\\\/\\\/www.instagram.com\\\/credible\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/crediblelabs\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/#\\\/schema\\\/person\\\/50561ca60c7eac39b1660450e763dbb6\",\"name\":\"Kat Tretina\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/02\\\/c2e3dbd7207faf78a8670d8cab746862-150x150.png\",\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/02\\\/c2e3dbd7207faf78a8670d8cab746862-150x150.png\",\"contentUrl\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/wp-content\\\/uploads\\\/2019\\\/02\\\/c2e3dbd7207faf78a8670d8cab746862-150x150.png\",\"caption\":\"Kat Tretina\"},\"description\":\"Kat Tretina is an authority on personal finance.\",\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/in\\\/kathryntretina\\\/\",\"https:\\\/\\\/x.com\\\/KatTretina\"],\"url\":\"https:\\\/\\\/www.credible.com\\\/blog\\\/author\\\/kat-tretina\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Subsidized vs. Unsubsidized Student Loans: Know the Difference","description":"Direct Subsidized Loans and Direct Unsubsidized Loans can both help you pay for college. Here\u2019s how to choose between subsidized vs. unsubsidized loans.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/","og_locale":"en_US","og_type":"article","og_title":"Subsidized vs. Unsubsidized Student Loans: Know the Difference","og_description":"Direct Subsidized Loans and Direct Unsubsidized Loans can both help you pay for college. Here\u2019s how to choose between subsidized vs. unsubsidized loans.","og_url":"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/","og_site_name":"Credible","article_publisher":"https:\/\/www.facebook.com\/crediblelabs\/","article_published_time":"2017-05-07T01:06:07+00:00","article_modified_time":"2022-03-01T21:02:20+00:00","og_image":[{"width":1476,"height":590,"url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/05\/subsidized-loans-vs-unsubsidized-loans.png","type":"image\/png"}],"author":"Kat Tretina","twitter_card":"summary_large_image","twitter_creator":"@KatTretina","twitter_site":"@credible","twitter_misc":{"Written by":"Kat Tretina","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/#article","isPartOf":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/"},"author":{"name":"Kat Tretina","@id":"https:\/\/www.credible.com\/blog\/#\/schema\/person\/50561ca60c7eac39b1660450e763dbb6"},"headline":"Subsidized vs. Unsubsidized Student Loans: Know the Difference","datePublished":"2017-05-07T01:06:07+00:00","dateModified":"2022-03-01T21:02:20+00:00","mainEntityOfPage":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/"},"wordCount":725,"commentCount":0,"publisher":{"@id":"https:\/\/www.credible.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/#primaryimage"},"thumbnailUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/05\/subsidized-loans-vs-unsubsidized-loans.png","keywords":["no-sidebar"],"articleSection":["Student Loan Refinancing"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/","url":"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/","name":"Subsidized vs. Unsubsidized Student Loans: Know the Difference","isPartOf":{"@id":"https:\/\/www.credible.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/#primaryimage"},"image":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/#primaryimage"},"thumbnailUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/05\/subsidized-loans-vs-unsubsidized-loans.png","datePublished":"2017-05-07T01:06:07+00:00","dateModified":"2022-03-01T21:02:20+00:00","description":"Direct Subsidized Loans and Direct Unsubsidized Loans can both help you pay for college. Here\u2019s how to choose between subsidized vs. unsubsidized loans.","breadcrumb":{"@id":"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/#primaryimage","url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/05\/subsidized-loans-vs-unsubsidized-loans.png","contentUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/05\/subsidized-loans-vs-unsubsidized-loans.png","width":1476,"height":590,"caption":"subsidized loans vs unsubsidized loans"},{"@type":"BreadcrumbList","@id":"https:\/\/www.credible.com\/blog\/student-loans\/subsidized-vs-unsubsidized-student-loans-which-is-for-you\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.credible.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Subsidized vs. Unsubsidized Student Loans: Know the Difference"}]},{"@type":"WebSite","@id":"https:\/\/www.credible.com\/blog\/#website","url":"https:\/\/www.credible.com\/blog\/","name":"Credible","description":"Getting borrowers connected to the right information for student loan refinancing, student loans, and personal loans.","publisher":{"@id":"https:\/\/www.credible.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.credible.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.credible.com\/blog\/#organization","name":"Credible","url":"https:\/\/www.credible.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.credible.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/01\/Picture1.png","contentUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2017\/01\/Picture1.png","width":901,"height":196,"caption":"Credible"},"image":{"@id":"https:\/\/www.credible.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/crediblelabs\/","https:\/\/x.com\/credible","https:\/\/www.instagram.com\/credible\/","https:\/\/www.linkedin.com\/company\/crediblelabs"]},{"@type":"Person","@id":"https:\/\/www.credible.com\/blog\/#\/schema\/person\/50561ca60c7eac39b1660450e763dbb6","name":"Kat Tretina","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/c2e3dbd7207faf78a8670d8cab746862-150x150.png","url":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/c2e3dbd7207faf78a8670d8cab746862-150x150.png","contentUrl":"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2019\/02\/c2e3dbd7207faf78a8670d8cab746862-150x150.png","caption":"Kat Tretina"},"description":"Kat Tretina is an authority on personal finance.","sameAs":["https:\/\/www.linkedin.com\/in\/kathryntretina\/","https:\/\/x.com\/KatTretina"],"url":"https:\/\/www.credible.com\/blog\/author\/kat-tretina\/"}]}},"_links":{"self":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts\/1475","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/users\/28"}],"replies":[{"embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/comments?post=1475"}],"version-history":[{"count":9,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts\/1475\/revisions"}],"predecessor-version":[{"id":59449,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/posts\/1475\/revisions\/59449"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/media\/39428"}],"wp:attachment":[{"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/media?parent=1475"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/categories?post=1475"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.credible.com\/blog\/wp-json\/wp\/v2\/tags?post=1475"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}