The best replacement for subsidized loans is unsubsidized.

Лучшие альтернативы к subsidized loans можно упорядочить следующим образом:
★★★★★  unsubsidized
★★★★  unsubsidized loans
★★  unsubsidized loan
★★  unsub
★  subsidized loans
★  non subsidized loans
  federal direct unsubsidized loans
  loans

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Google Trends

Scale is based on the average worldwide traffic of subsidized loans in all years. Click on graph for more.
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unsubsidized
unsubsidized loans