The cost of college continues to rise. Fortunately, financial aid is available to both persons and their parents or guardians to pay for persons higher educations. Loans are offered by government, private, and collegesponsored programs. Different types of loans come with different terms in the interest of helping as many persons as possible who need the assistance. Following is an excerpt from a hypothetical conversation between Ana Tokarev, a college person, her financial aid counselor, and Anas