University of Florida: What is the difference between Direct Subsidized and Direct Unsubsidized Loans?

DIRECT ANSWER

UF says Direct Subsidized Loans are for undergraduate students with financial need and do not accrue interest while the borrower is enrolled at least half-time or during deferment. Direct Unsubsidized Loans are for undergraduate and graduate students, are not based on financial need, and charge interest during in-school, deferment, and grace periods.