Student loans are a "state or federal government or any subdivision thereof?
The Student Loan People also known as the Higher Education Student Loan Corporation of Kentucky is an "independent municipal corporation" created by the legislature in Kentucky. I have money I want to use to pay my student loans, but on condition that the money is "In no way be used to pay or repay any amount to the state or federal governments or any subdivision thereof." Help!
FFEL loans are at a bank or other private lender in the program under government patronage. Loans from the William D. Ford "Direct loan" program directly from the government.