<p>The only 0% loans I know about are the federal subsidised loans aphoticmelody mentioned. There are 2:
Perkins loan - 5% interest which the Govt. pays until you graduate/quit college plus a grace period of 9 months. Maximum $4000 a year - no origination fees.
Stafford subsidized loan - 6.8% interest which the govt. pays till you graduate/quit college plus a grace period of 6 months. Maximum varies according to year of college. Has an origination fee.
Both are need based.</p>