Origination fee is 1.051% of the principal loan amount.
Fixed-variable interest rate is 3.86% for all student loans.
No interest is charged on Subsidized loans while you're in school at least half-time and during deferment periods.
Direct Unsubsidized Loans - not based on need but on enrollment and the budget set for classes. Interest accrues (accumulates) on an unsubsidized loan from the time it's first paid out. You can pay the interest while you are in school and during grace periods and deferment or forbearance periods, or you can allow it to accrue and be capitalized (that is, added to the principal amount of your loan). If you choose not to pay the interest as it accrues, this will increase the total amount you have to repay because you will be charged interest on a higher principal amount.