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To receive either type of loan, you must be enrolled at least half-time at a school that participates in the Direct Loan Program. Generally, you must also be enrolled in a program that leads to a degree or certificate awarded by the school.
Subsidized loans are available only to undergraduate students who have financial need. Unsubsidized loans are available to both undergraduates and graduate or professional degree students. You are not required to show financial need to receive an unsubsidized loan.
For more information, visit Federal Student Aid: Subsidized and Unsubsidized Loans.
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