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        <description>Calculate the school-year gap before borrowing.
Start with the aid offer, not a loan advertisement
Compare each school&amp;#x27;s cost of attendance with grants, scholarships and other support you can actually use. Distinguish money that does not need repayment from loans. Work-study is earned through work rather than automatically available as a tuition deposit.</description>
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        <description>Student borrowing in the United States includes federal loans and private loans. The source of the loan affects eligibility, pricing and repayment provisions. Begin with the school&#039;s financial-aid information and the aid available before deciding what remains to finance.
How the borrowing arrangement works
Compare the full cost of attendance with grants, scholarships, savings and other resources. Borrowing for one year also affects the amount you may owe when studying is complete. Keep federal a…</description>
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