Financing college in 2025 is easier with the right student loan. This guide compares the best federal and private loans for students.
Federal vs. Private Loans
Federal loans offer fixed rates and flexible repayment, while private loans may have lower rates for high credit scores.
Top Student Loans for 2025
| Lender | Loan Type | Interest Rate | Repayment Term |
|---|---|---|---|
| Federal Direct Subsidized | Federal | 5.5% | 10-30 years |
| Sallie Mae | Private | 4.5%-15% | 5-15 years |
| College Ave | Private | 4.3%-14.5% | 5-20 years |
How to Choose a Student Loan
Prioritize federal loans for benefits like income-driven repayment. Improve your credit score for better private loan rates.
Frequently Asked Questions
Do I need a cosigner for student loans?
Private loans often require a cosigner for low credit scores.
Are federal loans better than private?
Federal loans offer more flexible repayment options.
Explore more at Finance Grow Easy.
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