Student Loan Applications

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Direct Loans

Requirements to requesting loans:

  • Must have an award letter
  • Must be requested at least 3 days before the end of the loan period
  1. Go to
  2. Select “eServices” at the top of the page.
  3. Log in to your eServices account using your StarID.
  4. Under the “Financial Aid” tab on the left side of the screen, select “Loans.”
  5. Follow the status bar tabs on the screen. Enter all necessary information, and then click the right arrow at the bottom of the page to move to the next tab.
    1. Loan Period Tab
      1. Select the loan period you want the funds for by choosing a year. For 2013-14, choose 2014 and for 2014-15, choose 2015, etc.
    2. Pre-Requirements Tab
      1. Read the Pre-Requirements and be sure these steps have been completed. If you see green checkmarks, then they have been completed. If you see red X’s, you need to go to and complete:
        1. Entrance Counseling
        2. Master Promissory Note
    3. Loan Application Tab
      1. Review your eligibility under the Loan Application tab.
      2. Select the amount of Federal Direct Loan assistance you would like to receive.
      3. Note - All loans will have two disbursements. For example:
        • Fall start = 50% of loan funds beginning of fall and 50% of loan funds beginning of spring.
        • Spring start = 50% of loan funds beginning of spring and 50% of loan funds half way into spring term.
        • Summer start = 50% of loan funds beginning of summer and 50% of loan funds half way into summer term.
          1. Total loan amount for the award period – all of your eligible loan funds are split equally between Fall and Spring semesters.
          2. Reduced loan amount for the award period – the amount requested will be split equally between Fall and Spring semesters.
    4. Submission Tab
      1. Review the Submission Summary and Conditions.
      2. Check the box to indicate that you understand the conditions.
      3. Submit your loan request.

Once your loan request has been submitted, you can check the status of your request at anytime by clicking on the Loan Status Tab. 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.

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.

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.