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Elena Botella

Elena Botella

Special Assignment Writer

Elena Botella is a financial journalist and consumer advocate who lives in Washington, D.C. Her writing has appeared in American Banker, Slate and

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Articles written by Elena Botella

How Student Loans Work: Your Complete Guide

Written by Elena Botella
Updated August 24, 2023

There are two major categories of student loans: federal and private. Most students opt for federal student loans because they usually have lower interest rates and more generous repayment options. There are other differences between private and federal student loans as well, including payment terms, interest rates, and eligibility requirements. Student loans can be used to finance tuition, room and board, and living expenses.

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