It's not unusual for people who are thinking of going to college to be afraid they can't afford it
. There are plenty of student loans around, though, to keep you from worrying. The help is there so that you can get the degree that you want.
Education loans are usually given at a lower interest rate than other kinds of loans. They are available not just for tuition but also for living expenses. This allows you to work less or possibly not to work at all while you are trying to study.
You won't have to start making repayment on your loans until you're no longer in school. This also means that if you go on for another degree at any point after the first, your repayment can be put on hold for the entire time you're in school.
There is also a grace period immediately after graduating in which you will not have to start repayment. This gives you time to get a job before having to make payments. You will usually have a variety of repayment plans to choose from also. For example, you can choose to pay the same amount each month until it's repaid or you can start out with a lower payment while you are just getting started in your career.
If you should fall into a time when you cannot make payments because you have lost your job or your income level has otherwise fallen, it is also often possible to put repayment on hold. This is called an economic forbearance and you will simply need to show proof of your low income.
Loans of this type are given so you can get the education you need to make your circumstances better. You normally need some kind of college degree to get a better job. With these kinds of loans, everyone can get an education. While grants are often dependent on academic skill, loans are available to all.
Of course, you are going to have to repay them. They're not gifts. But you will be able to get extra time if you end up with too low an income. Multiple loans can also be consolidated so that you can save on the total amount to be repaid.
Student loans exist to assist you in getting an education to both learn more and to get a job that's better. They are set up such that there's no need to fear using them. They are around to help you improve your own future.