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Prospective Students
Faculty & Staff


All NEW students must complete Direct Loan Entrance Counseling located at  

Federal Direct Loan

Federal Direct Subsidized Loan

  • The interest on subsidized loans is covered by the federal government during half-time enrollment and during the 6-month grace period before repayment begins.
  • Interest starts when repayment begins.
  • Repayment is not required while half-time enrollment is maintained.
  • Interest rate- 4.29%

Federal Direct Unsubsidized Loan

  • All interest that is added to the loan while the student is in school is the student’s responsibility.
  • Payment of principal and interest are not required while the student is enrolled at least half-time.
  • Repayment begins 6 months after half-time enrollment ends.
  • Interest rate- 4.29% - undergraduate, 5.84% - graduate

Federal Direct Annual Loan Limits by Grade Level


Grade Level


Subsidized Amount

Unsubsidized Amount for Dependent Students

Unsubsidized Amount

for Independent Students

Freshmen(0-30 hours)




Sophomore(31-60 hours)




Junior(61-90 hours)




Senior(91 hours& up)




Graduate Students can borrow up $20,500 in Unsubsidized Loans for the one academic year.


  • You MUST be enrolled at least half time (6 Hours) to be eligible for a Federal Direct Loan.  
  • The FAFSA is your application for Federal Direct Loans.
  • All students who plan to use a Federal Direct Loan must complete a Master Promissory Note for Direct Loans. To complete this MPN, go to You will need a Federal Student Aid ID (FSAID) in order to sign into the site. If you do not have an FSAID or do not remember your FSAID, please go to
  •  All NEW Students must complete Direct Loan Entrance Counseling. This can also be completed at


Please Borrow Responsibly:


  • Debt/Salary Wizard - Use this tool to help you determine how much you should borrow based on your expected salary in the future. You can also determine what salary is needed based on your current student loan debt.Remember to be conservative and borrow only what you need. Also, be sure to keep track of how much you borrow each year. You can find your loan history online via the National Student Loan Data System.

  • Federal regulations require students to complete Direct Loan Exit Counseling upon leaving school. You can find the Exit Counseling link at You will need a Federal Student Aid ID for the log-in process. If you need to retrieve your FSAID or apply for one, go to If you have any questions or problems with completing exit counseling, you may contact:

Office of Financial Aid
Office: 229-584-2460
Fax: 229-584-2400


Parent Direct PLUS Loan

Parent Direct PLUS loans provide additional funds for educational expenses for parents of dependent undergraduate students.  Maximum loan eligibility is based on the student’s cost of attendance minus any other aid the student may receive.

Unlike Federal Direct Subsidized and Unsubsidized loans, a PLUS loan is based on credit. If a parent is denied a PLUS loan, the student is eligible for an additional unsubsidized loan.

Direct PLUS Loan repayment begins 60 days after the funds are fully disbursed. Parent borrowers may request a deferment of repayment while the student is enrolled at least half-time.

To apply for a Parent PLUS Loan, login with the PARENT’S information at

If the loan is approved, the parent must complete the Master Promissory Note (MPN) for a Parent PLUS Loan online at

Alternative Education Loan

Alternative education loans are private loans that are not associated with the Federal Government. Please check out the Alternative Education Loan Guide for more information and tool to help you research lenders.

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