Subsidized Stafford Loan
This is a need-based loan.
Interest on the loan is paid by the federal government while you are in school, during your grace period, and during authorized periods of deferment.
During periods of forbearance, you will be responsible for interest that accrues on your subsidized loans.
The interest rate will be fixed at 6.8 percent.
You must be enrolled at least half-time to qualify.
Repayment of principal balance begins six months after you are no longer enrolled on at least a half-time basis.
Unsubsidized Stafford Loan
This is not a need-based loan.
You are responsible for paying the interest on your loan from the date of disbursement.
The interest rate will be fixed at 6.8 percent.
You must be enrolled at least half-time to qualify.
Repayment of principal balance begins six months after you are no longer enrolled on at least a half-time basis.
From my loan entrance counseling.
So technically the unsubsidized are NOT need based. Thus clarifying both the original article and others
Hybrid Mode
