<human>: Can you summarize the given text in a few sentences?

I am trying to go to trade school.  The trade school I would like to attend is in fact accredited and I have recieved my award letter for Government Stafford loans, but honestly this stuff is really confusing.  So here are my basic questions:

-What is an origination fee?  My loan, my unsubsidized loan's origination fee is 1.072%

-What is subsidized vs. unsubsidized?

-Parent PLUS loan, what the hell? 7% interest rate? 4.6% origination fee?

-Lastly, if my parents don't qualify, I am eligible for another unsubsidized stafford loan, which will basically totally cover my school expenses.

The trade school in total is only 6 months long, and costs a total of $12,250.  My parents who make I believe somewhere together around maybe $150k (saw this in FASFA so reliable) have money, but they were also denied to be cosigners with my brother when he bought his car because there debt load is too high, so would they qualify or pass the credit check or is this unrelated?  I would prefer if I could just get the loans in my name, I don't want them to deal with it.
<bot>: I am a child with well off parents and I am trying to go to trade school, the fuck is origination about