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Student Loans

Federal Direct Loans

Federal Direct Loans are available to students who filed a FAFSA and are enrolled at least half-time. Borrowing amounts are as follows:

All Students
All Students
Independent Students
Freshman $3,500 $2,000 $4,000
Sophomore $4,500 $2,000 $4,000
Juniors and Seniors $5,500 $2,000 $5,000


Direct Subsidized Federal Loans are based on financial need.  The federal government pays the interest on subsidized loans for students that are enrolled at least half-time.

Direct Unsubsidized Federal Loans are not based on financial need.  Interest on unsubsidized loans will accrue while you are in school.  Students may pay the interest on these loans quarterly while in school or choose to defer interest payments as long as they are enrolled at least half-time.

Complete Federal Direct Loan entrance counseling and electronically sign your Loan Master Promissory Note (MPN) at

Direct Loan Interest Rates

Federal Direct loans disbursed on or after July 1, 2017 and before July 1, 2018:
Direct Subsidized Loans – 4.45%
Direct Unsubsidized Loans: Undergraduate– 4.45% / Graduate– 6%
Direct Parent/Graduate PLUS Loans – 7%

Direct Loan Origination Fees

Federal Direct Subsidized and Unsubsidized loans disbursed:
On or after October 1, 2016 and before October 1, 2017- 1.069%
On or after October 1, 2017 and before October 1, 2018 - 1.066%
Federal Direct Parent/Graduate PLUS loans disbursed:
Prior to October 1, 2017- 4.276%
On or after October 1, 2017- 4.264%

To view the most current information visit

Federal Direct Loan Borrower Rights & Responsibilities

Below is a summary of your rights and responsibilities as a borrower of a Direct Loan. More specific rights and responsibilities for your loan was provided to you with a copy of your promissory note and can be requested by sending us an email or calling us. 

I understand that I have a right to the following: 

  • written information on my loan obligations and information on my rights and responsibilities as a borrower 
  • a grace period and an explanation of what this means 
  • a disclosure statement, received before I begin to repay my loan, that includes information about interest rates, fees, the balance I owe, and the number of payments 
  • deferment of repayment for certain defined periods, if I qualify and if I request it 
  • forbearance, if I qualify and if I request it 
  • prepayment of my loan in whole or in part any time without an early-repayment penalty 
  • a copy of my promissory note either before or at the time my loan is disbursed 
  • documentation that my loan(s) are paid in full 

 I understand I am responsible for: 

  • attending Exit Counseling before I leave school or drop below half-time enrollment 
  • repaying my loan even if I do not complete my academic program (under certain circumstances), I am dissatisfied with the education I received, or I am unable to find employment after I graduate 
  • notifying my school and the Direct Loan Servicing Center if I:
    • move/change my address
    • change my name
    • withdraw from school or drop below half-time enrollment
    • transfer to another school
    • fail to enroll or re-enroll in school for the period for which the loan was intended
    • change my expected date of graduation
  • making monthly payments on my loan(s) after I leave school, unless I have a deferment or a forbearance 
  • notifying the U.S. Department of Education's Direct Loan Servicing Center of anything that might alter my eligibility for an existing deferment 
  • attending classes and making satisfactory academic progress as defined by my school. 

I understand that I am receiving a loan from the federal government that must be repaid.

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