You must be a US citizen or national, a US permanent resident, or eligible non-citizen.
You are not completing research work in the United States (master's and PhD students).
Type of loans
Subsidised Direct loan
Only offered to dependant undergraduate students, subsidised Direct loans are need-based, and interest does not accrue on these loans while you are studying, during the 6-month grace period and during a deferment period.
Unsubsidised Direct loan
Unsubsidised Direct loans are not need-based. You are responsible for all the interest that accrues on the loan, including while you are studying.
Graduate and Parent PLUS loan
The federally sponsored Parent PLUS loan is a low-interest student loan for parents of undergraduate, dependant students.
Independent students doing a postgraduate degree can apply for the Graduate Plus loan:
With a PLUS loan, you may borrow up to the full cost of attendance, less other financial aid received including Federal Direct loans.
A credit check is required.
You are responsible for all interest that accrues on the PLUS loan.
Repayment on PLUS loans begins once the loan is fully disbursed. However, the loan can be deferred while you are studying.
Students can use private education loans to borrow the difference between their Federal Loans and their calculated cost of attendance.
The decision on which private loan provider to use is entirely your choice, so it is important that you research carefully to find the best conditions that suit you.
Note: For student visa application purposes, you may be required to provide evidence that you have applied and have been approved for a private loan. The university only has the authority to approve your Direct loans. Please contact your private loan provider to supply you with the loan confirmation.