Find affordable student loans in San Jose to fund your education. Loanz offers customized options with flexible repayment plans.Borrowers can have several different types of federal loans, including Direct Loans, Federal Family Education Loans (FFELs), and Perkins Loans. A Federal Perkins Student Loan (formerly called NDSL) is for both undergraduate and credential students with exceptional financial need. How do I request a Direct Loan? Carrington College offers federal student loans to those who qualify. A coapplicant is important for education loan applications because it provides an additional layer of financial security for the lender.