Chuck Knepfle. When students take out federal loans, they can easily be overwhelmed by the different interest rates, disbursement dates, and deferment periods. However, the complexity is only beginning, as things get even more confusing for the student borrower after graduation, as the decision about which repayment program to enroll in surfaces. As I researched this topic I found seven different loan-repayment options for just Federal Stafford Loans. Read more..