One reason a student may seek a federal student loan instead of a private student loan is that O private loans carry a higher interest rate than federal loans.
O federal loans are obtained by banks, while private loans are backed by the government.
O federal loans must be paid back more quickly than private loans.
O private loans are only available to parents, while federal loans may be issued to the student.

They are available to any student who meets lending standards, regardless of financial need

Explanation:

Federal student loan is funded by tax payer's money. it's usually available to all students who were born in United States as long as they can provide proof for their citizenships.

Compared to private student loan, Federal student loan does not impose a strict deadline for the students who want to take it. This means that they can pay it back when they obtain job and salary after they graduate.

answer; 20% is your answer;

the answer is true.  i do believe this is the answer because of the amount of wrecks people get into each year.  if you double this with avoiding those so said wrecks, that would make you a "skilled" driver.