Student loans is a convenient options for those who opt for higher studies but often fail to arrange the required capital to fund their anticipated study programs. Often the period of study might stretch to several years which is another major constraint to meet the expenses. However, there are many financial institutions that are ready to help students for their education programs. Taking student loans is easy, but it’s tough to meet the payoff deadlines. Hence, it’s very much essential to get a clear idea about various student loans and their down payment structures.