A clear, up-to-date guide to education loans. Learn how federal vs. private student loans work, the latest interest rates, how to use FAFSA, repayment and forgiveness basics, refinancing, and tips for bad credit and co-signers.
U.S. federal student loans generally require citizenship/eligible noncitizen status. International students typically rely on private loans—often with a U.S.-based co-signer—or school-based aid. Always confirm visa, enrollment, and work eligibility rules before borrowing.