Federal Direct Stafford Loans

Stafford loans are offered through the Direct Loan Program and are administered by the Department of Education. There are two types of Stafford Loans: subsidized and unsubsidized. Both have a fixed interest rate and an origination fee. However, subsidized loans don't build interest while you're attending school at least half time, while unsubsidized loans do.

Want to apply? You’ll need to submit a Free Application for Federal Student Aid (FAFSA) and meet the general eligibility and Satisfactory Academic Progress requirements.

Subsidized and unsubsidized loans

Find all the details about how your federal aid works, whether you receive an interest-deferred loan or one that accrues interest from day one.

Learn More

Stafford Loan Repayments

Wondering what your repayment options are? Find a repayment plan that fits your specific situation and income.

Learn More

Loan Counseling and MPN

Find out how to fulfill your Stafford Loan Counseling requirement here.

Learn More

Direct Loan Limits & Interest Rates

Learn what your annual loan limit and interest rate for Stafford loans is based on.

Learn More