Student Loans for Students Commonly student loans are offered to students who are intelligent in academics. When government offers the promise for student loans, then it might be 2 types, subsidized or unsubsidized student loans. Subsidized student loans have a lesser yearly maximum. The government disburses the student loans interest when the student is in school. Commonly unsubsidized student loans have an elevated yearly limit. The student disburses the student loans interest. The student loans interest rate counts on the interest index of market. Small student loans have more short repayment period and a large student loans would have more long repayment time. The student loans repayment begins way after the period of obtaining the loan.