Which of the following is a reason to search for scholarships before taking out a student loan?
- Scholarships need to be repaid but at a lower interest rate than student loans.
- Scholarships are awarded on a needs-based basis, while students loans require you to show a good credit history.
- Scholarships do not need to be repaid, while student loans do along with their interest.
- Scholarships allow you to work on campus and earn money toward your college bills, while students loans do not.