Oliver is looking to go to college. His family does not have very much money, so he qualifies for need-based financial aid. Oliver needs to spend most of his time working at his full-time job, so he will only be able to take a few classes per semester. Oliver’s parents have poor credit scores and cannot afford to take on any more debt. Based on Oliver’s situation, recommend a federal loan which would be appropriate for him.

a.subsidized Stafford loan
b.unsubsidized Stafford loan
c.private student loan
d.PLUS loan