After graduation, most high school seniors will not be able to pay for college outright. A lot of college newcomers look to student loans to pay for their education.

Today, federal student loans are the most widely used student loans. There are different types of federal loans that exist for students. The two most common categories are subsidized and unsubsidized loans.

Subsidized loans are for students that have a legitimate financial need per regulations

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Finding yourself in debt is not a fun experience for anyone, but finding that you owe the government money and are behind in the payments can be devastating. For those facing bad federal debt, relief may be available in many forms, but caution must be exercised when deciding which road to travel. Some of the avenues with signs pointing to bad federal debt relief may simply be a detour to additional financial anxiety.

There are two major areas that can produce federal debt for individuals,

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