Loans

To avoid some common borrower mistakes, which could delay the financial aid loan process, please read over the Borrower Mistakes document.

Types of Loans

Federal Direct Student Loans
Private Loans
 

What's NEW for 2017-2018?

Direct Loan Interest Rates for 2017-2018

The interest rates for Direct Subsidized Loans and Direct Unsubsidized Loans are shown in the chart below.

Loan Type Borrower Type Loans first disbursed on or after 7/1/16 and before 7/1/17 Loans first disbursed on or after 7/1/17and before 7/1/18
Direct Subsidized Loans Undergraduate 3.76% 4.45%
Direct Unsubsidized Loans Undergraduate 3.76% 4.45%
Direct Plus Loans Parents and Graduate or Professional Students 6.31% 7%

The interest rates shown above are fixed rates for the life of the loan.

Direct Loan Fees

The loan fee is a percentage of the loan amount and is proportionately deducted from each loan disbursement. The percentage varies depending on when the loan is first disbursed, as shown in the chart below.

Loan Fees for Direct Subsidized Loans and Direct Unsubsidized Loans
First Disbursement Date Loan Fee Loan Fee
On or after Oct. 1, 2016, and before Oct. 1, 2017 1.069%
On or after Oct. 1, 2017, and before Oct. 1, 2018 1.066%
Loan Fees for Direct PLUS Loans
On or after Oct. 1, 2016, and before Oct. 1, 2017 4.276%
On or after Oct. 1, 2017, and before Oct. 1, 2018 4.264%

Subsidized Loan Limitation 

A maximum of three years of subsidized loan eligibility has been implemented for two-year associate degrees and for one and a half years for students in one-year certificate programs for "new borrowers" on or after July 1, 2013.
 

Repayment

Federal Student Aid Understanding Repayment 

Federal Student Aid Repayment Estimator

Questions? Contact the Financial Aid staff at 501.882.8845 or email finaid@asub.edu.

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