Many people can't afford to pay for college outright. That's why an estimated 43.5 million borrowers currently owe money on student loans.

If you're gearing up to start college, you may be in the process of exploring your student loan options. And you may be wondering whether it makes sense to stick to federal student loans or borrow privately. Here are a few key things to know as you try to make your choice.

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Source Fool.com