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It all depends on what type(s) of loan(s) you take out. The most common is the Stafford Loan which has subsidized loans and unsubsidized loans. Subsidized loans are based on financial need. The government pays the interest that the loan my accumulate while you are in school, and you have to...

Maybe your steering wheel is locking up. My '96 Ford Explorer does it all the time. Just jiggle the wheel as your turning the key.