What’s the distinction between subsidized and unsubsidized Stafford loans? Federal Subsidized Stafford Loans: Need-based loans open to undergraduate and graduate pupils enrolled at half-time that is least. Interest will not accrue in the loan as the pupil is enrolled at half-time that is least in a degree-seeking system as well as half a year thereafter, of which time payment of this principal and interest must start. Re re Payment is...