Direct unsubsidized loan is one type of student loans that’s available for both undergraduate and graduated students.

Interest rate for undergraduate: 4.99%
Interest rate for graduated: 6.54%

Requirement:
1. apply through federal aid website or school financial website
2. have to pay with interest when start to pay the payment
3. enroll at school at least half time

Pros:
1. no need to check your credits
2. graduate students can borrow up to $ 20500 per year

Cons:
1. have to pay with interest when start to pay the payment
2. dependent undergraduate students who need to borrow $ 5500-7500
3. independent undergraduate students who need to borrow $ 9500-12500

Reference: https://www.forbes.com/advisor/student-loans/federal-student-loan/#:~:text=Federal%20student%20loans%20are%20intended%20to%20help%20you,you%20leave%20school%20or%20drop%20below%20half-time%20enrollment.