Stafford Loan FAQs. What’s the distinction between subsidized and unsubsidized Stafford loans? Federal Subsidized Stafford Loans: Need-based loans open to undergraduate and graduate pupils enrolled at least half-time. Interest will not accrue regarding the loan whilst the pupil is enrolled at half-time that is least in a degree-seeking system and for half a year thereafter, of which time payment of this principal and interest must start. Re re Payment is delayed if the student comes back to college. Federal Unsubsidized Stafford Loans: Non-need-based loans open to undergraduate and graduate students enrolled at half-time that is least. Interest does accrue from the loan. Payment for theRead More →