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Use your new bad credit loan responsibly and your bad credit will be transformed into good credit. To learn more about a USDA home loan program, click on the Loan Program Basics link on the left side of this screen and select one of USDA's home loan programs. The Unsubsidized Stafford – You are responsible for paying all the interest that accrues, although you will not have to begin payments until after you graduate or enroll in school less than half-time. You are eligible for this type of loan regardless of financial need.