Introduction to Federal Student Loans
Several low-cost, fixed-rate loans are available to undergraduate students, graduate students, and parents of dependent undergraduate students from the U.S. Department of Education’s Direct Loans and Perkins Loans programs. Find out more about federal student loans.
Comparing Subsidized, Unsubsidized, and PLUS Loans
The federal student loan program offers a variety of options. It can seem overwhelming, and tricky to navigate, but it doesn't have to be. Learn more about your options and compare the loans to find out which one is right for you.
Sometimes called Stafford Loans, Direct Loans are federal student loans available to undergraduate and graduate students. Direct Loans offer low, fixed interest rates and subsidized interest to eligible undergraduates.
Parent PLUS Loans
Parents of dependent undergraduate students may be eligible for the Parent PLUS loan, a low, fixed interest rate loan with flexible loan limits. A simple credit check is required to qualify.
Grad PLUS Loans for Graduate Students
Learn more about the Grad PLUS Loan, a fixed-rate federal student loan that lets graduate students to borrow up to the cost of attendance, minus other aid.
Perkins Loans for Undergraduate and Graduate Students
Awarded to undergraduate and graduate students with exceptional financial need, the Perkins Loan is a low-interest, fixed-rate loan that does not accrue interest while you are in school or during the grace period. Learn about interest rates, eligibility, loan limits, and more.