<prompt> Human: I am entering college in the fall with no money at the moment to pay for college. According to the UGA financial aid website, Ive been awarded the Federal Direct Loan unsubsidised and the Parent Plus Loan. I assume Im obligated to accept these. What are precautions I need to know about these loans and how should I approach accepting them. Please explain in a way where I can relay the information to my parents. Thanks in advance!  <response>: I assume Im obligated to accept these. No, youre not obligated to accept anything, but if you dont have any money you cant pay your tuition otherwise. The Parent Plus loan is the responsibility of your parents and they will have to accept that one themselves.Theres a wealth of information on student loans available from the government: 