Confused about where to start

I’m an out of state college student and I will be an international student in my senior year. So 2 years under a visa and then 1 year as an F1 student.

I calculated the credits and made a plan and it looks like I would have to pay 86k in tuition and around 20k in rent. For the next 2.5 years.

I have a few questions:

– Where are the best places to take loans

– How do they work

– what are good interest rates

– Are there any recent news to consider

– When do people usually pay them back and how? Is it per month after schooling or per year

Sorry, I’m just a bit confused! Im a sophomore in college and moneys a little tight