What's the distinction between a Direct Subsidized and a primary Unsubsidized Loan? The government will pay the attention for Direct Subsidized Loans while the pupil is in university or although the loan is in deferment. Interest starts accruing for Direct Unsubsidized Loans just due to the fact loan is applied for. Just how much may I borrow? For subsidized loans, the most is $3,500 for fres...