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Student Loans

Student Loans are available to both undergraduate and graduate students. A student must complete a Master Promissory Note (MPN) and entrance counseling before receiving a Federal Direct Loan. Information about interest rates and fees can by found by clicking here.

Federal Direct Subsidized Stafford Loan If you are eligible for a Federal Direct Subsidized Stafford Loan, the federal government pays your interest while you’re in school at least half-time and for some loans, during grace periods and periods of deferment. You must have “need” to qualify for the subsidized loan.

Federal Direct Unsubsidized Stafford Loan These loans are available to students who do not qualify for “need” based Federal Direct Subsidized Loans or who are not eligible for the full Federal Direct Subsidized Loan amount. The amount of the loan cannot be more than the difference between the cost of attendance and any financial assistance you will receive from the school and any outside source (including the subsidized Federal Direct Stafford Loan). Interest accrues on the Federal Direct Unsubsidized Loan while you are in school and during the six-month grace period before repayment begins.

Additional Federal Direct Unsubsidized Stafford Loan Additional Direct Unsubsidized Loans may be available for independent students, and for dependent students whose parents do not pass a credit check and therefore are unable to borrow under the Federal Direct Parent Loan for Undergraduate Students (PLUS) Program.

Entrance & Exit Loan Counseling

If you decide to accept a loan, you are making a commitment to repay it. Loan counseling is required by UOG's Financial Aid Office to help you understand your loan obligations. Students receiving the Federal Direct Loan at UOG must complete an online entrance loan counseling session at www.studentloans.gov. When a student departs UOG, they must complete exit counseling at www.studentloans.gov (this data system only reflects federal loans, not private loans).