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uLow-interest federal loan the student takes out on his or her own behalf
uThe FAFSA must be completed
uFixed interest rate of 4.5% through 06/30/11 on subsidized loans
uFixed interest rate of 6.8% through 06/30/11 on unsubsidized loans
uRepayment begins 6 months after the student graduates or falls below half-time enrollment
Federal Direct Stafford Loan
Students should indicate whether they are interested in student loans like the Federal Stafford Loan in Step One of the FAFSA. 
Additional Stafford Loan information, including the application process, is available on the SFS website.