Federal student loans generally have more repayment and postponement options than private loans. Is this statement true or false?

Federal student loans offer a variety of repayment and postponement options that are generally not available with private loans. This statement is true because federal student loans come with flexible repayment plans, such as income-driven repayment options that adjust monthly payments based on the borrower's income and family size. Additionally, federal loans provide options for deferment and forbearance, allowing borrowers to temporarily postpone payments under certain conditions without negative consequences on their credit or loan status.

In contrast, private loans typically have more rigid repayment structures and fewer options for postponement, which can make managing repayment more difficult for borrowers facing financial challenges. The extensive repayment and postponement options provided by federal loans are designed to help borrowers manage their debt more effectively and provide protections that are less commonly found in private lending.