Direct Subsidized Loans are available to undergraduate students with demonstrated financial need. The U.S. Department of Education pays the interest on a Direct Subsidized Loan while the student is in school at least half-time, for the first six months after leaving school (the grace period), and during a period of deferment (a postponement of loan payments).

Direct Unsubsidized Loans are available to undergraduate, graduate, and professional students. Financial need is not a requirement. Interest accrues on these loans from the time they are first disbursed, even while the student is in school.

Direct PLUS Loans are available to graduate or professional students (Grad PLUS loans) and to parents of dependent undergraduate students (Parent PLUS loans) to help pay for education expenses not covered by other financial aid. A credit check is required for PLUS loans, and interest accrues from the time of disbursement.

Sallie Mae is one of the largest private student loan providers and offers a range of loan options for undergraduate, graduate, and professional students, as well as career training loans. They are known for offering various repayment options and the ability for students to apply with a cosigner.

While Navient is primarily known as a student loan servicer, they also offer private student loans through Earnest, a subsidiary. Earnest focuses on refinancing and private student loans with a strong emphasis on borrowers' financial profiles and offers flexible repayment terms.

Discover offers private student loans for undergraduate and graduate students with no application fees, origination fees, or late fees. They also provide cash rewards for good grades.

College Ave Student Loans offers a variety of private loan products for undergraduates, graduates, and parents. They are known for their flexible repayment options and the ability for borrowers to customize their loan terms.

SoFi (Social Finance, Inc.) provides private student loans and student loan refinancing. They often offer competitive interest rates, particularly to borrowers with strong credit profiles. They also provide member benefits, such as career coaching.

Citizens Bank offers private student loans for undergraduates and graduates with options for fixed or variable interest rates. They may also offer rate discounts for existing customers or those with multiple loan accounts.

It is often worthwhile for students to explore student loan options offered by local credit unions. Credit unions may offer more competitive interest rates and fees compared to larger national banks and often have a focus on member service. Eligibility for credit union membership may vary.