Federal Direct & Private Loans


Federal Direct Loans

Complete a Free Application For Federal Student Aid (FAFSA) to borrow with the William D. Ford Federal Direct Loan Program. Learn more about what to expect when applying for Federal Direct Loans. Learn who is eligible to borrower Federal Direct Loans and how to manage repayment.

Federal Direct Subsidized and Unsubsidized Loans

Federal Direct Subsidized loans are only offered to undergraduate students. Federal Direct Unsubsidized loans are fixed interest rate loans offered to undergraduate, graduate, and professional students enrolled half-time or higher.

How To Apply | More Information | FAQ | Repayment

Federal Direct Graduate PLUS Loan

This fixed interest rate, credit-based loan can be applied for by graduate and professional students enrolled half-time or more. A separate promissory note and entrance counseling are required for the GradPLUS.

How To Apply | More Information | FAQ | Repayment 

Federal Direct Parent PLUS Loan       

This fixed interest rate, credit-based loan can be applied for by parents of dependent undergraduate students enrolled half-time or more.

How To ApplyMore Information | FAQ | Repayment 

Private Loans

Private student loans are meant to provide additional funds only after you have applied for federal financial aid. These loans are offered through commercial banks and most offer fixed or variable interest rates. All private loans require credit checks and most loans will require a cosigner if the borrower has little or no credit history. Be aware that most of these loans may not offer flexible repayment plans or consolidation options.

How To Apply | More Information | Private Loans for Studying Abroad

Student Loan Repayment

Student Loan Repayment webpage | Federal Repayment Plans

Repayment Presentations | Federal Loan Servicers | Income-Based Repayment Plan

Repayment Estimator

Find out your what your  repayment options are based on your loan debt.

1. Sign into www.studentloans.gov

2. Click on "Repayment Estimator" under "Tools and Calculators"


Repayment Estimator