<p>What are the pros and cons of the Direct Subsidized Stafford Loan repayment plans? I am only going to get one if my Pell Grant money isn’t enough to get by on. I go to community college so I would only need a small loan. I plan on transferring to a CSU so I will be needing some large ones in the next few years. I am single with no kids so paying it off faster would be good I think. I am probably going to have to borrow between $45-60k. Any thoughts, advice, and tips are appreciated thank you in advance.</p>