Applying for student loans?

I'm in the process of going to college hopefully in the nursing field, however i have been to my local community college, they just aren't very helpful with telling me the necessary steps to apply for student loans, apparently i cannot get the federal pell grant or money from the school, i guess i have to apply for a stafford loan, what is this and what is the difference between subsidized and unsubsidized?? are there any other options for me? i am married and my hubby makes decent money so that's why i can't get the pell grant. any info would be appreciated, thnx!!