Student Loan Applications

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Direct Subsidized/Unsubsidized Loans

Requirements for requesting loans:

  • Must be enrolled in a minimum of six (6) credits for the term(s) requesting a loan.
  • Must have an award letter
  • Must be requested at least three (3) days before the end of the term for which the loan is being requested. period
  1. Go to
  2. Select “eServices” at the top of the page.
  3. Log in to your eServices account using your StarID.
  4. On the left side of the screen, click on “Financial Aid”, then click on “Loans”.
  5. Enter all necessary information on the following screens and then click "Next" to move to the next section.
    1. "Loan Period"
      1. Verify Award Year and Award Year Term
    2. "Pre-Requirements"
      1. Review the requirements. If there is a checkmark in the box, it has been completed. If the box is not checkmarked, then go to and complete:
        • Entrance Loan Counseling and/or
        • Master Promissory Note (MPN)
  6. Entrance Loan Counseling and Master Promissory Note (MPN) must be completed before loan funds are disbursed.

    c. "Loan Application"

      1. Review your loan eligibility.
      2. Select the amount of Federal Direct Loan assistance you would like to receive. Choose either:
        • Total loan amount for the loan period OR
        • Reduced loan amount for the loan period and enter the amount you are requesting

      iii. Note - All loans will have two disbursements. For example: if you have a Fall/Spring loan, you will receive half in Fall and half in Spring. If you have a one term loan, you will receive half at the beginning of the term and half at the mid-point of the term.

    d. "Application Summary"

      1. Review the Application Summary bullet points.
      2. Check the box to indicate that you understand the conditions.
      3. Click "Submit Loan Application" button to submit your loan request.

Once your loan request has been submitted, you can check the status of your request at anytime by following steps 1, 2 and 3 above. Processing is complete once the loan status says “Certified.”

If you’ve done your loan request correctly, the funds will be disbursed and credited to your student account. If there are overage funds, the Business Office will release funds to Higher One and you will receive your money based on your refund preference. If you still owe a balance after the loan proceeds have been credited, check your Student Account online and pay the amount due.

You are responsible for the payment of tuition and/or fees for any amount not covered by financial aid.

Disbursement Rules
Loan proceeds are released in two disbursements. If you have a Fall/Spring loan, you will receive half in Fall and half in Spring. If you have a one term loan, you will receive half at the beginning of the term and half at the mid-point of the term.

First year, first time borrowers will experience a 30 day delay in when they can receive their first loan disbursement. Loan disbursements for students who are not a first year or first time borrower are disbursed beginning the 11th day of the term.

Loan Proration
An undergraduate Direct Loan borrower is subject to certain proration loan limits if s/he is enrolled in a program of study that is less than 24 credits. Loan limits must also be prorated if the program's duration is equal to or longer than 24 credits but the borrower is completing the remainder of the program in a period of enrollment that is shorter than an academic year, such as with a fall term graduation.

Maximum Eligibility Period
Beginning July 1, 2013, there will be a limit on the maximum period of time that a student can receive Direct Subsidized Loans. Essentially, the student will not be eligible to receive the Direct Subsidized Loan for more than 150% of the published length of program the student is enrolled in. Example: If a student is enrolled in a 2-year associate degree program, the maximum period for which the student is eligible to receive Direct Subsidized Loans is 3 years (150% of the equivalency of 2 years = 3 years).

If the student stays enrolled in the current program after the maximum eligibility period, the student will only be eligible to receive Direct Unsubsidized Loans. The student will also become responsible for paying the interest that accrues on his or her Direct Subsidized Loans.

If the student changes programs to a different 2-year associate degree program, the maximum eligibility rule still applies. Additionally, the Direct Subsidized Loans that were borrowed in the previous program will still generally count against the new maximum eligibility period.

For more information:

Direct Subsidized/Unsubsidized Loan Information

PLUS Loans

The Federal Parent Loan for Undergraduate Students (PLUS) program provides loans to parents of dependent students. See Types of Financial Aid for eligibility requirements.