There are two types of loans: subsidized and subsidized. The subsidized loans do not accrue any interest, as the fed pays that for you. Unsubsidized loans do accrue interest; typically a lower rate than regular loans (mine were 6%). Student loans cannot be discharged through bankruptcy.
That is not correct. Subsidized loans accrue interest, but only starting six months after graduation or when you drop below half-time enrollment.
And the rate is the same for subsidized and unsubsidized, currently 6.53%. https://studentaid.gov/understand-aid/types/loans/interest-rates