Should I Pay My Subsidized Or Unsubsidized Loans First?
If your unsubsidized loans are accruing interest while your subsidized loans are not, paying unsubsidized loans first usually lowers total cost. However, if both loan types are in repayment with similar interest rates, the better target is typically the highest-rate loan, regardless of subsidy status. Consider your eligibility for forgiveness, income-driven repayment, and your broader financial safety net before deciding.