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Subsidized vs. Unsubsidized. A subsidized loan is awarded based on financial need. The borrower will not be charged interest before repayment begins or during deferment periods. The federal government "subsidizes" (pays) the interest during these 

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Description. The Federal student loan repayment program permits agencies to repay Federally insured student loans as a recruitment or retention incentive for candidates or current employees of the agency. The program implements 5 U.S.C. 5379, which authorizes agencies to set up their own student loan repayment