Direct Loans are federal student loans provided by the U.S. Department of Education. They are designed to help students pay for their education, covering tuition, fees, and other related expenses. Borrowers can receive different types of Direct Loans, including Direct Subsidized Loans for undergraduate students with financial need and Direct Unsubsidized Loans for students regardless of financial status. Repayment of Direct Loans typically begins six months after a student graduates, leaves school, or drops below half-time enrollment. Borrowers can choose from various repayment plans, including income-driven options that adjust monthly payments based on income. Additionally, loan forgiveness programs may be available for eligible borrowers.