<p>After completing the debt management exam, I still have no idea which loan is more preferred or has the greater advantage for undergraduates like me, any sugguestions?</p>
<p>They're both more or the less the same -- subsidized. It's not like you have a choice either way unless you can afford to not take out both loans.</p>
<p>I was thinking of just taking out one loan, is that possible?</p>
<p>Yes it is possible if you can afford to do so. You can loan any amount (minimum is $100 I think) you want up to the amount they offer.</p>