The best replacement for subsidized student loans is unsubsidized.

Лучшие альтернативы к subsidized student loans можно упорядочить следующим образом:
★★★★★  unsubsidized
★★★★  unsubsidized student loans

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Google Trends

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