This is a loan and must be repaid.  Available for graduate or for
    professional students enrolled at least half-time, or for the parent
    (biological, adoptive, or in some cases, stepparent) of a dependent
    undergraduate student enrolled at least half-time at an eligible
    school.  Financial need is NOT required.  Must not have adverse credit
    history and must meet the general eligibility requirements for federal
    student aid.  If a parent borrows on behalf of a child, the child must
    also meet these requirements.  The borrower is responsible for paying
    ALL interest on this Unsubsidized loan, starting on the date the loan
    is first disbursed.

  Direct Consolidation Loan
    This is a loan and must be repaid.  Allows student or parent borrower
    to combine all eligible federal student education loans into a single
    loan with a single monthly payment.