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Student loans can be a valuable resource in financing your education. However, borrow conservatively -- accept only what you really need. Explore all options such as grants, scholarships, and employment before borrowing.

Select a loan category for detailed information about that loan type:

For more information about the different types of Direct Loans (subsidized, unsubsidized, Parent PLUS and Graduate PLUS), please visit

Borrowing Tips

  • Borrow wisely. Explore alternative funding first and borrow only what you need.
  • Keep all loan records.
  • Track your total amount borrowed. Be sure to evaluate your anticipated post-graduation income and monthly loan payment.
  • Pay as you go. Loan payments may be made at any time without penalty and will result in reduced interest accrual over time.
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