An Advantage That Direct or Subsidized Student Loans Have Over

An advantage that direct or subsidized student loans have over other types of loans is

A) the after-tax interest rates are very attractive compared with other loans.
B) you can borrow at a below-market rate,regardless of your credit situation.
C) in an emergency,you can declare bankruptcy and avoid repayment.
D) you have the rest of your life to pay it back.
E) both A and B are correct.

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