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Students would generally not have a choice between direct or guaranteed loans.

Direct loans offer a more efficient way of doing business than the old loan program.

The discount rate is what the central bank charges for direct loans to banks.

There are two types of programs involved, direct loans and loan guarantees.

Despite a great deal of confusion and misunderstanding, the federal government generally does not make direct loans under the act.

With direct loans, the government can ensure the lowest costs for taxpayers and students.

Direct loans now total about 30 percent of all student loans.

Direct loans to students provide more opportunities to future generations than do subsidies to banks.

Community Programs can also make direct loans to applicants who are unable to obtain commercial credit.

As a result, they said, Congress may be more willing to replace loan guarantees with direct loans to students.