When does interest on a direct unsubsidized loan begin to accrue?

Interest on a direct unsubsidized loan begins to accrue as soon as the loan is disbursed. Unlike subsidized loans, where the government covers the interest while the borrower is in school, borrowers of unsubsidized loans are responsible for all interest that accumulates during their time in school and throughout the repayment period. It is advisable for borrowers to pay the interest while in school to minimize the overall cost of the loan.