Which sources of federal student aid do you have to repay?

Federal student aid that must be repaid includes federal student loans, such as Direct Subsidized Loans, Direct Unsubsidized Loans, and PLUS Loans. Unlike grants, which do not need to be repaid, these loans require borrowers to pay back the principal amount along with interest. Repayment typically begins after the borrower graduates, leaves school, or drops below half-time enrollment. It's essential to understand the terms and conditions associated with each loan to manage repayment effectively.