Student Financial Services
Student Financial Services

Financial Aid: Managing Your Financial Aid

Federal Direct Loans
Federal Direct Loans- PLUS
Federal Direct Loans- GRAD PLUS
Federal Perkins
Federal Nursing
Institutional Loans
Alternative Loans
Student Employment / Work Study

Employment & Loan Programs (PDF)


Unlike other forms of aid, education loans require full repayment. Borrowing is advised only after personal resources and other forms of aid have been exhausted. However, loans are an invaluable resource to many students and their families in financing a college education.

Loans allow you to postpone paying a portion of your education costs until you complete your education or have a change in circumstances. Loan repayments are based on a five- to ten-year plan, usually beginning six to nine months after you graduate, drop to less than half-time enrollment, or leave school. Some loans offer multiple repayment plans.

Students and parents of students are advised that if they enter into a Title IV, HEA loan, the loan data will be submitted to the National Student Loan Data System (NSLDS), and will be accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system.

Loan obligations are described in the promissory notes you will be required to sign if you should choose to borrow. Please read these obligations carefully. Be sure you understand all rights and responsibilities before accepting a loan. Also if you wish to cancel, reduce, or modify your loan award, you must contact SFS. (See Revisions to Your Offer of Financial Assistance.)

*Did you know that you can view your federal loans online? Visit the National Student Loan Data System, and log in with your federal PIN. (Note: Federal Nursing loans are not included.)

Last Updated: 2/5/2015