Federal Student Loans

Student Financial Services offers and certifies loans for students, as well as federal Direct PLUS loans for parents of undergraduate students. All of these loan programs offer low-interest rates, deferment and forbearance options, and a maximum repayment period that is generally between 10 and 25 years.

  • Direct subsidized loans are interest-free while you are enrolled in college at least half-time.
  • Direct unsubsidized loans accrue interest while you are enrolled. You may choose to pay the interest each month while you are in school or allow the interest to accumulate.
  • PLUS loans are federal loans that parents of dependent undergraduate students can use to help pay educational expenses.


  1. You must have a completed, error-free FAFSA, with no verification pending.
  2. To apply for a Direct Loan, you must be enrolled in at least six credit hours.
  3. You must meet Satisfactory Academic Progress.
  4. You must correctly complete and submit your request.
  5. You must have a current loan entrance counseling and master promissory note on file through studentloans.gov.

Documents Needed

The Loan Process

  • The loan process could take some time; therefore, we strongly suggest you apply early. When your file is complete, it is reviewed by a loan counselor to determine your eligibility and calculate your award. Your file is processed in the order it was received.
  • First-time borrowers will not receive a disbursement until after the 30th day after the beginning of the payment period or the first day of class.