I don't know if I would be able to go to school without these loans. I'm not a fan of our current government, but thank goodness for government loans! It is very difficult to get a loan when you are young and have no credit, or money. As long you qualify for financial aid, you can get these loans. I think the best part of it, is not having to pay them off until after you graduate. If your loan is unsubsidized, you have to pay interest while you are in school, but it's not a lot and is very affordable to a majority of college students. If you qualify for it, take adavantage of it!