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Federal Direct Loans

Subsidized Federal Direct Loan/Unsubsidized Federal Direct Loan

Federal Direct Loans are low-interest loans for eligible students to help cover the cost of higher education.

  • Subsidized Federal Direct LoansSubsidized Federal Direct Loans are for students with financial need. You are not charged interest while you’re in school at least half-time and during grace periods and deferment periods.

  • Unsubsidized Federal Direct LoansYou are not required to demonstrate financial need to receive a Direct Unsubsidized Loan. Interest accrues (accumulates) on an unsubsidized loan from the time it’s first paid out. You can pay the interest while you are in school and during grace periods and deferment or forbearance periods, or you can allow it to accrue and be capitalized (that is, added to the principal amount of your loan). If you choose not to pay the interest as it accrues, this will increase the total amount you have to repay because you will be charged interest on a higher principal amount.

PLUS Federal Direct Loans

  • Graduate PLUS Federal Direct Loan are for graduate and professional degree students to help cover education expenses beyond the Unsubsidized Direct Loan award.

  • Parent PLUS Federal Direct Loan are for parents of dependent students to help pay their child's education expenses. The loan is in the parent(s) name, but disbursed to the student.

Additional Federal Loan Information


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