Federal Student Loans

Federal Student loans allow students and their parents to borrow money to help pay for college through programs supported by the federal government.  Federal Loans offer lower interest rates and better repayment benefits and options than private student loans and are available to students and parents that need help paying for college. File your FAFSA, beginning January 1 to apply for a student loan.  The priority filing period is January 1 - March 2.

Federal Perkins Loan
- provides low-interest loans for eligible undergraduate and graduate students with preference to students with exceptional financial need. Payment on these loans begin 9 months after graduation or 9 months after the student is no longer enrolled in at least half-time.  

Federal Direct Subsidized Loan - provides low interest rates and are available to students who demonstrate financial need based on income and other information provided on the FAFSA. A credit check is not required to receive these loans. The federal government pays the interest on these loans until six months after the student is no longer enrolled in school at least half time.  All Direct Loans are subject to the Direct Loan Annual Limits.
*View Details Direct Loan Limits Chart

Federal Direct Unsubsidized Loan - provides low interest rates and are available to all students regardless of financial need.  A credit check is not required to receive these loans. The student is responsible for the interest, which may be paid while the student is in school or accrued and then added to the principal balance when the student enters repayment, which occurs six months after the student is no longer enrolled in school at least half time.  All Direct Loans are subject to the Direct Loan Annual Limits.
*View Details Direct Loan Limits Chart

Federal Parent PLUS Loan - provides government-insured, long-term, low-interest loans for eligible parents of dependent, undergraduate students. Parents may borrow up to the total cost of attendance minus any other aid for which the students are eligible.

Federal Graduate PLUS Loan - provides government-insured, long-term, low-interest loans for eligible graduate students.  Students may borrow up to the total cost of attendance minus any other aid, including Subsidized and Unsubsidized Direct Loans for which the students are eligible.

How To Apply

Beginning January 1, complete your FAFSA

Priority Filing Period January 1 - March 2

FAFSA Application

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