this post was submitted on 19 Sep 2024
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Work Reform

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[–] dohpaz42@lemmy.world 4 points 2 months ago (2 children)

There are two types of loans: subsidized and subsidized. The subsidized loans do not accrue any interest, as the fed pays that for you. Unsubsidized loans do accrue interest; typically a lower rate than regular loans (mine were 6%). Student loans cannot be discharged through bankruptcy.

[–] catloaf@lemm.ee 3 points 2 months ago* (last edited 2 months ago) (1 children)

That is not correct. Subsidized loans accrue interest, but only starting six months after graduation or when you drop below half-time enrollment.

And the rate is the same for subsidized and unsubsidized, currently 6.53%. https://studentaid.gov/understand-aid/types/loans/interest-rates

[–] dohpaz42@lemmy.world 1 points 2 months ago

My loans were over 20 years old. Things have changed since then.

[–] damnedfurry@lemmy.world 2 points 2 months ago

There are two types of loans: subsidized and subsidized.

🤔 (lol)