What is the main difference between a direct subsidized loan and a direct unsubsidized loan? What ...

Direct Subsidized LoansDirect Subsidized Loans are for students with financial need. Your school will review the results of your Free Application for Federal Student Aid (FAFSA) and determine the amount you can borrow. You are not charged interest while youre in school at least half-time and during grace periods and deferment periods.
Direct Unsubsidized LoansYou are not required to demonstrate financial need to receive a Direct Unsubsidized Loan. Like subsidized loans, your school will determine the amount you can borrow. Interest accrues (accumulates) on an unsubsidized loan from the time its first paid out. You can pay the interest while you are in school and during grace periods and defermentor forbearance periods or you can allow it to accrue and be capitalized (that is, added to the principal amount of your loan). If you choose not to pay the interest as it accrues, this will increase the total amount you have to repay because you will be charged interest on a higher principal amount.