Some students will be risk-averse regarding loans. It is important to display the pros and cons before dismissing the topic altogether. metaphorically, student loans provide an opportunity to invest in our education the way we invest in car and home loans. Remember that direct subsidized loans are the best option because the U.S. Department of Education will pay the interest for subsidized loans while the students is in school. Additional information and other loan options can be summarized here: https://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized