trying to decide what type of loan to do and afford (private/federal) are all loans deferred?
As long as you are at least a half time student you do not have to repay student loans. Federal subsidized loans the feds will pay interest while you are in school. Federal unsubsidized loans and all private loans will accrue interest from the day you take out the loan and will be capitalized when you begin repayment. For an undergrad private loans ae a trap you will likely come to regret. Same with federal Parent plus loans.