Answer:
Federal student loans are made by the government, with terms and conditions that are set by law, and include many benefits (such as fixed interest rates and income-driven repayment plans) not typically offered with private loans.
In contrast, private loans are made by private organizations such banks, credit unions, and state-based or state-affiliated organizations, and have terms and conditions that are set by the lender. Private student loans are generally more expensive than federal student loans.
Tianna accept the Federal loan because federal loans provide additional flexibility in several areas than private loans:
In federal loan especially student loan, the borrowers need not a credit check to be taken into consideration except in few cases.
Most federal student loans gives income-driven repayment plans, that is the rate of repayment is sentence on the borrower’s salary after college.
It also allow the borrower to change their repayment plan anytime.
Most private student loan have high interest rates, repayment options, and other features when compared to federal loans.
Conclusively, due to the flexibility of federal loan, it is advisable that Tiana considers taking federal loan.
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