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  There are many different types of student loans to choose from but the secret is to make sure that you pick the best loan that is a 'perfect fit' for your situation and circumstances. You also have to consider the future implications that may affect you well after you have completed your studies. This is because when you borrow money you have to start thinking 'long term', it is and investment in your future that will pay big dividends. You must choose your loan wisely so that you can minimize your exposure to long term debt. Largest The most popular loans are of course Federal ones and although they certainly have borrowing limits the term of these loans is usually a lot longer and another good point is that they have the lowest interest rates compared to all others. They also offer the ability to defer your payment and have much more relaxed borrowing criteria. Incentives There are many other loan organizations that offer all sorts of incentives. Normally these are