Skip to content

To apply for Direct Subsidized/Unsubsidized loans you must first complete the FAFSA. Once you successfully file the FAFSA you will need to complete the Loan Entrance Counseling session and Master Promissory Note (MPN) to accept the loans in your financial aid offer. Instructions are located on the right-hand side!

To view your cumulative student loan history to date, including lender name(s) and contact information, login to using your FSA ID and password.


Yearly Loan Limits


Credit Hours

Dependent Student

Independent Student


0 to 29

Up to $5,500

Up to $9,500


30 to 59

Up to $6,500

Up to $10,500


60 to 89

Up to $7,500

Up to $12,500



Up to $7,500

Up to $12,500


The current interest rate for 2021-2022 is 3.73%. Please note that Direct Subsidized loans do not start to accrue interest until after a student’s six month grace period has expired.

The current origination fee for 2021-2022 is 1.057%. The origination fee is a percentage of your loan amount charged by the lender for the processing of your loan. The amount disbursed will be slightly lower than the amount you accept.


Lifetime Loan Limits

Dependency Status

Subsidized Loans

Unsubsidized Loans











Please note that these lifetime totals do not take into consideration any Parent PLUS loans or private loans taken out by a student or parent.


  • All loan documents must be submitted prior to semester bill deadlines.
  • If all loan documents are not received prior to this deadline, the Financial Aid Office will remove the loans from the student’s account.
  • The student will need to contact the Financial Aid Office to have the loans added back to the account after completing all loan documents.


2021-2022 Interest Rates

Great news! The interest rates for 2021-2022 have been released!

Subsidized/Unsubsidized loans | 3.73%


Read more 2021-2022 Interest Rates Read more

Direct Loan Entrance Counseling
The Federal Government requires you to complete entrance counseling to ensure that you understand the responsibilities and obligations you are assuming.

Direct Loan Master Promissory Note (MPN)
The Master Promissory Note (MPN) is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the U.S. Department of Education. It also explains the terms and conditions of your loan(s).

Review Federal Student Aid
Make sure you have your FSA ID and password ready!