School starts next week for a lot of Arizona college students.
Many have already taken out loans to pay.
If you're looking for a student loan, should you go government or private?
Alegra Howard is a student loan expert with Consumer-Action.org.
She says the choice is simple.
Howard says government-backed student loans have lower interest rates, they don't require credit checks or co-signers and there are other protections.
Those include multiple repayment options and loan forgiveness possibilities if you work as a teacher, firefighter, police officer or other service positions.
But Howard says another set of protections may go away.
Right now, some students of for-profit colleges can have their government student loans wiped away if the school goes out of business or has defrauded students.
The Department of Education is considering removing some of those protections.
You can still weigh in on their decision.
Click here to do that, and to learn of other college and loan options.
It's Consumer-Action.org 's complete student loan help page!