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What is a federal Direct Loan?

A federal Direct Loan is a federal student loan made directly by the U.S. Department of Education.

Generally, if you took out a federal student loan or consolidated your loans on or after July 1, 2010, you have a federal Direct Loan. There are four types of Direct Loans:

  • Direct Subsidized Loans
  • Direct Unsubsidized Loans
  • Direct PLUS Loans
  • Direct Consolidation Loans

A significant number of Direct Loans, however, were issued prior to July 1, 2010. If you’re uncertain, you can easily check to see what type of loan you have through the U.S. Department of Education .

Here are tips and strategies for repaying your federal student loans, tailored to your situation.