Federal vs. Private: Key DifferencesFederal loans (Direct Subsidized/Unsubsidized, PLUS) offer income-driven repayment (IDR), deferment/forbearance options, and potential forgiveness programs. Private loans may provide competitive rates for strong credit but lack federal protections and flexible repayment. Choosing the Right MixMax out federal options first. Compare private loans only if you need to close a funding gap […]