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Federal Direct Loans

The U.S. Department of Education’s William D. Ford Federal Direct Loan Program offers both subsidized and unsubsidized loan options based on your documented financial need.

Under this program, the U.S. Department of Education is your lender.

Direct Loans will be included as part of your financial aid package. Students enrolling in any undergraduate second-degree program should be certain to review the aggregate limits for undergraduate study.

Subsidized Loans

Subsidized loans are awarded on the basis of financial need, as determined by the Department of Education from data provided on your FAFSA and are available to undergraduate students only. Interest on this loan is not charged while you are in school enrolled for six or more credits and during your six month grace period. The federal government pays the interest for you during these periods.

Unsubsidized Loans

Unsubsidized loans are not based on financial need. You are charged interest from the time the loan is disbursed until repayment is complete. Interest can be deferred while you are enrolled at least half-time or during other non-payment periods, however, it will always accrue.

More on Direct Loans


How to Apply

Contact Us

Student Financial Services

McSpedon Hall, Second Floor

Monday-Friday, 9 a.m.-5 p.m.

Book an Appointment

In-person and phone appointments can be made via DaySmart Appointments.