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1000 dollar payday loan Federal Direct loans come in two types; subsidized and unsubsidized. PayDayLoans-FYI.com is part of a lending network We are neither a direct lender nor a financial institution. All repayment terms and associated dealings are between you and the actual lender that will service your loan. The lenders in our network have different loan terms, such as the loan amounts, the APR of the loan, repayment schedules and practices pertaining to the non-payment of loans. Click on Rates and Fees to see representative examples of annual percentage rates (APR).