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Federal student loans offer borrower protections that private loans may not, such as income-based repayment plans and forgiveness programs.

And federal student loans have flat interest rates set by Congress, while private student loan interest rates depend on your credit.

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Federal student loan limits vary based on whether you’re an independent or dependent student; the type of degree you’re pursuing (undergraduate or graduate); and, for undergraduates, your year in school.

Before choosing one, compare your options to find the lowest interest rate.

With private loans, you can choose a fixed interest rate, which will stay the same throughout the life of the loan, or a variable interest rate, which may start out lower than a fixed rate, but could increase or decrease as economic conditions change.

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