Which answer best describes an unsubsidized federal loan

They are loans that accrue interest over time and the person who has taken out the unsubsidized loan (generally students) are in charge of the interest that has been accrued over the years.

When I was a student, my mom always told me to only use the subsidized loans if possible, because interest doesn't accrue on those loans while you are in school, and depending on the loan itself, you don't have to pay them back.