* $31,000 as a dependent undergraduate student (only $23,000 of this can be subsidized)
* $57,500 as an independent undergraduate student (only $23,000 of this amount can be subsidized)
The origination fee for Federal Direct Subsidized and Unsubsidized Loans is 0.50 percent. The origination fee is retained by the federal government to reduce the cost of supporting these low interest loans.
Interest Rates for Direct Loans First Disbursed Between July 1, 2025, and June 30, 2026.
Subsidized Loans: fixed at 6.395% for loans first disbursed on or after July 1, 2025.
Unsubsidized Loans: fixed at 6.39% for loans first disbursed on or after July 1, 2025.
Parent PLUS Loan: fixed at 8.94% for loans disbursed on or after July 1, 2025.
In order to provide the best customer service to students, we offer our services in a variety of virtual, online formats. Email is the best way to connect with our staff. Utilizing emails helps us better serve you, giving our staff an opportunity to research your question before responding. Contact your financial aid advisor.