A school usually has either a Direct Loan program or a FFEL (Federal Family Education Loan) program. The Direct Loan program has the federal government lending money while the FFEL program has a "preferred lender" (such as Sallie Mae) to manage their student loans. Here is link that gives a little more info about this:http://www.studentaid.ed.gov/PORTALSWebApp/students/english/studentloans.jspMz
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