Be aware that the longer the term of your unsecured loan, the more money you will end up paying over the entire course of the loan. (starloanservices.com)
The unsubsidized option accrues interest fees over the entire course of the loan. (veteransunited.com)
This is different from an adjustable rate mortgage (ARM), that has interest rate changes over the course of a loan. (smartasset.com)