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Within seconds of clicking submit, personal loan source(s) matching your requirements will display on-screen. By clicking the "Submit" button, you are not submitting an application. You are requesting that we compare more than 100 personal loan source(s) with your needs, and display the matching results on-screen for you to compare. Then you simply choose which personal loan source(s) to submit your application to. Direct Unsubsidized Loans are available to undergraduate and graduate students, and there is no requirement for demonstrating financial hardship. Interest is the responsibility of the borrower at all times; any unpaid interest will be capitalized. To stay safe, you have to pay the loan on time. This way, you do not fall into the pit of penalties, higher interests and many other rules underlain by the borrowing policies. If you find yourself in such a situation, not all is lost, you can opt for loan restructuring which saves your credit reputation, and even though it raises the interest, you do get out of debt easily.