Direct, Indirect, and FFEL Student Education Loans: Exactly Just What’s the Difference? When you yourself have a student that is federal, determine if it is a direct loan or Federal Family Education Loan (FFEL). When you have an educatonal loan which was given by or fully guaranteed because of the government that is federal your loan most likely falls into 1 of 2 groups: direct loans or indirect loans. Indirect loans will also be called...