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Direct Loans OverviewGet an introduction to Direct Loans, low, fixed-rate federal student loans available to undergraduate and graduate students to help pay for college.
Direct Subsidized Loans
The federal government pays the interest on Direct Subsidized Loans while you are enrolled in school on at least a half-time basis, during the 6-month grace period, and during other periods of authorized deferment. Learn more about eligibility, loan limits, and how to apply.
Direct Unsubsidized Loans: How to Apply
Direct Unsubsidized Loans are federal student loans available to undergraduate and graduate students. Learn more about eligibility, interest rates, and how to apply.
Eligibility for Direct Loans
Learn about the eligibility requirements for Direct Loans, fixed-rate federal student loans taken out by both undergraduate and graduate students.
Interest Rates and Fees on Direct Loans
Interest rates on Direct Loans are fixed. Undergraduates receive lower interest rates than graduate students. Find current interest rates and fees for Direct Loans.
Direct Loan Limits: How Much You Can Borrow
Find out how much you can borrow each year, as well as how much you can borrow during your entire college education in the Direct Loans program.