Direct Unsubsidized Loans are federal student loans available to undergraduate and graduate students to help cover educational expenses. Unlike subsidized loans, interest begins to accrue immediately upon disbursement, meaning borrowers are responsible for paying the interest throughout the life of the loan. These loans do not require a demonstration of financial need, making them accessible to a wider range of students. Borrowers can take out up to a certain limit each academic year, and repayment typically begins six months after graduation or when the student drops below half-time enrollment.