One reason a student may seek a federal student loan instead of a private student loan is that:

One reason a student may seek a federal student loan instead of a private student loan is that federal loans typically offer more favorable terms and protections. Federal student loans come with fixed interest rates that are often lower than those of private loans and they do not require a credit check, making them more accessible to students who may not have an established credit history. Additionally, federal loans provide benefits such as income-driven repayment plans, loan forgiveness options for certain careers, and deferment or forbearance options in times of financial hardship. In contrast, private loans may have variable interest rates, rely on the borrower's creditworthiness, and generally offer fewer protections and benefits. Thus, federal student loans are often a safer and more reliable option for students seeking financial assistance for their education.