― At least 20% of university students need some kind of loan to assist obtain their university education. Such a statistic will cause students graduating with an unmanageable debt load. An alternate is for parents to assist out by doing away with loans themselves. But which is the higher choice, student loans or parent loans? Each loan has distinct benefits and uses. ∙ Federal Student Loans... ∙ Federal student loans have very low interest rates and best repayment choices. If you [...].