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the subsidize loan is need-based...meaning, the interest will be paid by the US government; as long as you don't maintain half time status and after 6 months when you graduate.

The parent plus loan...the interest will accure after the last disbursement date and your parents will need to begin repayment. Of course, they can contact the lender for other payment options.

what exactly do you mean. you apply for the loans and then you pay them back. if you want to know the terms and interest rates, check with the lender