It may depend on their credit rating. When I got a federally insured student loan, it was for schooling only and the school received it all. After I had been out of school for six months I had to start paying it back. There was another grant I got after applying and qualifying that paid me directly, but only to supplement my income. The first year I got about $60 a month, the last six months about $110 a month. (Didn’t have to pay that back.)