{"id":15673,"date":"2019-09-25T22:43:21","date_gmt":"2019-09-26T02:43:21","guid":{"rendered":"https:\/\/questromworld.bu.edu\/grad\/?page_id=15673"},"modified":"2026-05-19T18:21:28","modified_gmt":"2026-05-19T18:21:28","slug":"federal-direct-loans","status":"publish","type":"page","link":"https:\/\/questromworld.bu.edu\/grad\/essentials\/financial-aid\/federal-direct-loans\/","title":{"rendered":"Federal Direct Loans"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-z691h5-765ffa894fd90e958af0ce3a489adebd\">\n.avia-section.av-z691h5-765ffa894fd90e958af0ce3a489adebd{\nbackground-repeat:no-repeat;\nbackground-image:url(https:\/\/questromworld.bu.edu\/grad\/wp-content\/uploads\/sites\/14\/2018\/11\/BostonQuestrom-2-1-1500x430.jpg);\nbackground-position:50% 50%;\nbackground-attachment:scroll;\n}\n.avia-section.av-z691h5-765ffa894fd90e958af0ce3a489adebd .av-section-color-overlay{\nopacity:0.3;\nbackground-color:#000000;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-z691h5-765ffa894fd90e958af0ce3a489adebd main_color avia-section-default avia-no-shadow  avia-builder-el-0  el_before_av_heading  avia-builder-el-first  avia-full-stretch avia-bg-style-scroll av-section-color-overlay-active av-minimum-height av-minimum-height-25 av-height-25  container_wrap fullsize'  data-section-bg-repeat='stretch' data-av_minimum_height_pc='25' data-av_min_height_opt='25'><div class=\"av-section-color-overlay-wrap\"><div class=\"av-section-color-overlay\"><\/div><div class='container av-section-cont-open' ><main  role=\"main\" itemprop=\"mainContentOfPage\"  class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-15673'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-igdy1l-6f0c7c02edea3e5a0866e84aacd76870\">\n#top .av-special-heading.av-igdy1l-6f0c7c02edea3e5a0866e84aacd76870{\npadding-bottom:10px;\ncolor:#ffffff;\n}\nbody .av-special-heading.av-igdy1l-6f0c7c02edea3e5a0866e84aacd76870 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-igdy1l-6f0c7c02edea3e5a0866e84aacd76870 .special-heading-inner-border{\nborder-color:#ffffff;\n}\n.av-special-heading.av-igdy1l-6f0c7c02edea3e5a0866e84aacd76870 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-igdy1l-6f0c7c02edea3e5a0866e84aacd76870 av-special-heading-h1 custom-color-heading blockquote modern-quote  avia-builder-el-1  avia-builder-el-no-sibling '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Financial Aid<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<\/div><\/div><\/main><!-- close content main element --><\/div><\/div><\/div><div id='after_section_1'  class='main_color av_default_container_wrap container_wrap fullsize'  ><div class='container av-section-cont-open' ><div class='template-page content  av-content-full alpha units'><div class='post-entry post-entry-type-page post-entry-15673'><div class='entry-content-wrapper clearfix'>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m70obfus-c1124c05f0931749ce6ecaee35c9fffb\">\n#top .av-special-heading.av-m70obfus-c1124c05f0931749ce6ecaee35c9fffb{\npadding-bottom:10px;\ncolor:#b02b2c;\n}\nbody .av-special-heading.av-m70obfus-c1124c05f0931749ce6ecaee35c9fffb .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-m70obfus-c1124c05f0931749ce6ecaee35c9fffb .special-heading-inner-border{\nborder-color:#b02b2c;\n}\n.av-special-heading.av-m70obfus-c1124c05f0931749ce6ecaee35c9fffb .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-m70obfus-c1124c05f0931749ce6ecaee35c9fffb av-special-heading-h1 custom-color-heading  avia-builder-el-2  el_after_av_section  el_before_av_hr  avia-builder-el-first '><h1 class='av-special-heading-tag '  itemprop=\"headline\"  >Federal Direct Loans<\/h1><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div>\n<div  class='hr av-i94ggp-9cb14c0dca3a120dc2d3cf0fc5c6cf26 hr-default  avia-builder-el-3  el_after_av_heading  el_before_av_one_full '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div  class='flex_column av-naldnd-aa60a322662aed68a781db9550d9a7dc av_one_full  avia-builder-el-4  el_after_av_hr  el_before_av_hr  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mmmbhmfz-a8620d213a03c07dffbac8a7c381512c\">\n#top .av-special-heading.av-mmmbhmfz-a8620d213a03c07dffbac8a7c381512c{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-mmmbhmfz-a8620d213a03c07dffbac8a7c381512c .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-mmmbhmfz-a8620d213a03c07dffbac8a7c381512c .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-mmmbhmfz-a8620d213a03c07dffbac8a7c381512c av-special-heading-h2  avia-builder-el-5  el_before_av_textblock  avia-builder-el-first '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Eligibility Requirements<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-mmm6kiq2-8e749c1961b9f6fa1ef8ff2829cec579 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class='avia_textblock'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Federal student loans are available through the Federal Direct Loan Program. These loans are available to qualified students who are U.S. Citizens or U.S. Permanent Residents. R<span style=\"font-weight: 400\">eview of federal eligibility is required prior to awarding.<\/span><\/p>\n<\/div><\/section><br \/>\n<div  class='tabcontainer av-mmmdn1kn-edd3784e65d443a5ada86f63d9b7894d top_tab  avia-builder-el-7  el_after_av_textblock  avia-builder-el-last '>\n<section class='av_tab_section av_tab_section av-mmmdgwi5-0158e2f0bedfcdd93706b11789d92565'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-1-tab' class='tab active_tab' role='tab' aria-selected=\"true\" tabindex=\"0\" data-fake-id='#tab-id-1' aria-controls='tab-id-1-content'  itemprop=\"headline\" >Citizenship<\/div><div id='tab-id-1-content' class='tab_content active_tab_content' role='tabpanel' aria-labelledby='tab-id-1-tab' aria-hidden=\"false\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Be a US citizen or eligible non-citizen.<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-mmmdhe2d-5a8631e524695e1f171612829963ba23'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-2-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-2' aria-controls='tab-id-2-content'  itemprop=\"headline\" >Degree Program<\/div><div id='tab-id-2-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-2-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Be enrolled in a graduate degree program.<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-mmmdj6k5-4613414dd5735e9b103a8dc53ed0eae6'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-3-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-3' aria-controls='tab-id-3-content'  itemprop=\"headline\" >Enrollment Status<\/div><div id='tab-id-3-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-3-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Be enrolled at least half-time (6 credits per semester that are accepted towards the degree program).<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-mmmdjt8t-ba162896d30c7ea7178a665064c39d1f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-4-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-4' aria-controls='tab-id-4-content'  itemprop=\"headline\" >Satisfactory Academic Progress<\/div><div id='tab-id-4-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-4-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Maintain <a href=\"https:\/\/questromworld.bu.edu\/grad\/essentials\/financial-aid\/federal-direct-loans\/sap-document-submission\/\">Satisfactory Academic Progress<\/a> (according to their programs student handbook) at the end of each semester.<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-mmmdkdyf-840fb67a89a0cbbf145b4e93be44a5ca'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-5-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-5' aria-controls='tab-id-5-content'  itemprop=\"headline\" >No Default<\/div><div id='tab-id-5-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-5-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Not be in default on a previous student\/educational loan.<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-mmmdlhn4-811807e6d66bdc82df0fb771739eac77'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-6-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-6' aria-controls='tab-id-6-content'  itemprop=\"headline\" >Aggregate\/Lifetime Limits<\/div><div id='tab-id-6-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-6-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Be within the $100,000 graduate student Unsubsidized aggregate limit and $257,500 lifetime borrowing limit. The lifetime limit excludes Graduate and Parent PLUS loans, but includes all other Federal Direct loans, including amounts canceled, repaid, forgiven, or discharged. If you qualify for Legacy Provisions, you must be within the subsidized\/unsubsidized aggregate borrowing limit of $138,500.<\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-mmmdlvtw-0bee8859fb07f2281143e63d9b3fbe56'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-7-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-7' aria-controls='tab-id-7-content'  itemprop=\"headline\" >Glossary<\/div><div id='tab-id-7-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-7-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><a href=\"https:\/\/studentaid.gov\/help-center\/answers\/topic\/glossary\/articles\">Glossary of Loan Terms<\/a><\/p>\n<\/div><\/div><\/section>\n<\/div><\/p><\/div>\n<div  class='hr av-19twrp5-feba74af19db0eb07e8f810dd8addf1a hr-default  avia-builder-el-8  el_after_av_one_full  el_before_av_one_half '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div  class='flex_column av-2ujszzt-2ae2fb7486fd7cfa4ed2f07a8493d671 av_one_half  avia-builder-el-9  el_after_av_hr  el_before_av_one_half  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m6u6jddp-c1714c9dd70317f389cf0cc32951b2ce\">\n#top .av-special-heading.av-m6u6jddp-c1714c9dd70317f389cf0cc32951b2ce{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-m6u6jddp-c1714c9dd70317f389cf0cc32951b2ce .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-m6u6jddp-c1714c9dd70317f389cf0cc32951b2ce .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-m6u6jddp-c1714c9dd70317f389cf0cc32951b2ce av-special-heading-h2  avia-builder-el-10  el_before_av_iconlist  avia-builder-el-first '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Federal Unsubsidized Loan<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mmm87kif-f44db8cd065a22c63a03279da7e4a423\">\n#top .avia-icon-list-container.av-mmm87kif-f44db8cd065a22c63a03279da7e4a423 .iconlist_icon{\ncolor:#b02b2c;\n}\n#top .avia-icon-list-container.av-mmm87kif-f44db8cd065a22c63a03279da7e4a423 .iconlist_icon svg:first-child{\nstroke:#b02b2c;\nfill:#b02b2c;\n}\n#top #wrap_all .avia-icon-list-container.av-mmm87kif-f44db8cd065a22c63a03279da7e4a423 .av_iconlist_title{\ncolor:#b02b2c;\n}\n<\/style>\n<div  class='avia-icon-list-container av-mmm87kif-f44db8cd065a22c63a03279da7e4a423  avia-builder-el-11  el_after_av_heading  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-mmm87kif-f44db8cd065a22c63a03279da7e4a423 avia-iconlist-animate'>\n<li><div class='iconlist_icon av-ojubmh-32c53ebbd7550c5ded3acdee88e7ec20 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue81b' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Unsubsidized Loan Information\"><h4 class='av_iconlist_title iconlist_title  av_inherit_color'  itemprop=\"headline\" >Unsubsidized Loan Information<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"margin: 0in;line-height: 16pt;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\">The maximum annual borrowing limit is $20,500 for full-time enrollment<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">Unsubsidized loans begin accruing interest at the time of the loan disbursement<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">The interest rate for all Direct Unsubsidized Loans disbursed on or after July 1, 2025 and prior to July 1, 2026 is a fixed rate of 8.07%<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">The origination fee is 1.057% for loans disbursed after October 1, 2020 and prior to October 1, 2025<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">Visit the Federal Student Aid website for additional information about <a href=\"https:\/\/studentaid.gov\/understand-aid\/types\/loans\/subsidized-unsubsidized\">Federal Unsubsidized Loans<\/a><\/li>\n<\/ul>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-mmm87jq1-d874d704465f892740491a2e093217bd avia-font-svg_entypo-fontello avia-svg-icon avia-font-svg_entypo-fontello'><span class='av-icon-char' data-av_svg_icon='clipboard' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"32\" viewBox=\"0 0 22 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-1' aria-describedby='av-svg-desc-1' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-1'>Clipboard<\/title>\n<desc id='av-svg-desc-1'>Clipboard<\/desc>\n<path d=\"M20.16 3.2q0.896 0 1.568 0.672t0.672 1.568v24.32q0 0.96-0.672 1.6t-1.568 0.64h-17.92q-0.896 0-1.568-0.64t-0.672-1.6v-24.32q0-0.896 0.672-1.568t1.568-0.672l1.92 4.8h14.080zM16.96 6.4h-11.52l-1.408-3.2h3.456l1.152-3.2h5.12l1.152 3.2h3.52z\"><\/path>\n<\/svg><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: How to Apply (26-27 FAFSA)\"><h4 class='av_iconlist_title iconlist_title  av_inherit_color'  itemprop=\"headline\" >How to Apply (26-27 FAFSA)<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\">Create your <a href=\"https:\/\/studentaid.gov\/fsa-id\/create-account\/launch\">Federal Student Aid ID<\/a> via StudentAid.gov<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">Complete the <a href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\">Free Application for Federal Student Aid (FAFSA)<\/a> each academic year\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\">Boston University\u2019s FAFSA school code is 002130<\/li>\n<\/ul>\n<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">First-time BU borrowers must complete <a href=\"https:\/\/studentaid.gov\/entrance-counseling\/\">Entrance Loan Counseling (ELC)<\/a>\u00a0by selecting the option &#8220;I am a Graduate or Professional Student&#8221;<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">First-time BU borrowers must complete a\u00a0 <a href=\"https:\/\/studentaid.gov\/mpn\/grad\/landing\">Subsidized\/Unsubsidized Master Promissory Note (MPN)<\/a><\/li>\n<\/ul>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div><div  class='flex_column av-yzgp6h-dd56988d41ba22c56def6913ea92689c av_one_half  avia-builder-el-12  el_after_av_one_half  el_before_av_hr  flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mmm827qh-f4baa50d3a5c62ff32a77fcdd8720806\">\n#top .av-special-heading.av-mmm827qh-f4baa50d3a5c62ff32a77fcdd8720806{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-mmm827qh-f4baa50d3a5c62ff32a77fcdd8720806 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-mmm827qh-f4baa50d3a5c62ff32a77fcdd8720806 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-mmm827qh-f4baa50d3a5c62ff32a77fcdd8720806 av-special-heading-h2  avia-builder-el-13  el_before_av_iconlist  avia-builder-el-first '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Federal Graduate PLUS Loan<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m6u6mr4a-8864c13c578867c0f963b94fa935bebf\">\n#top .avia-icon-list-container.av-m6u6mr4a-8864c13c578867c0f963b94fa935bebf .iconlist_icon{\ncolor:#b02b2c;\n}\n#top .avia-icon-list-container.av-m6u6mr4a-8864c13c578867c0f963b94fa935bebf .iconlist_icon svg:first-child{\nstroke:#b02b2c;\nfill:#b02b2c;\n}\n#top #wrap_all .avia-icon-list-container.av-m6u6mr4a-8864c13c578867c0f963b94fa935bebf .av_iconlist_title{\ncolor:#b02b2c;\n}\n<\/style>\n<div  class='avia-icon-list-container av-m6u6mr4a-8864c13c578867c0f963b94fa935bebf  avia-builder-el-14  el_after_av_heading  avia-builder-el-last '><ul class='avia-icon-list avia_animate_when_almost_visible avia-icon-list-left av-iconlist-big av-m6u6mr4a-8864c13c578867c0f963b94fa935bebf avia-iconlist-animate'>\n<li><div class='iconlist_icon av-mmm8t04m-2a1ddc60e880018ce8f38253cae0a829 avia-font-entypo-fontello avia-iconfont avia-font-entypo-fontello'><span class='av-icon-char' data-av_icon='\ue818' data-av_iconfont='entypo-fontello' aria-hidden=\"true\"><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: Graduate PLUS Loan Information\"><h4 class='av_iconlist_title iconlist_title  av_inherit_color'  itemprop=\"headline\" >Graduate PLUS Loan Information<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">The One Big Beautiful Bill Act (OBBBA) has eliminated the Graduate PLUS Loan as of July 1, 2026. If you qualify for Legacy Provisions and would like to borrow a PLUS Loan, follow the steps below. Otherwise, you may want to consider a <a href=\"https:\/\/questromworld.bu.edu\/grad\/essentials\/financial-aid\/private-educational-loans\/\">Private Credit Based Loan<\/a>.<\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\">The Graduate PLUS Loan is credit-based &#8211; to be approved, one cannot have an adverse credit history<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">The PLUS Loan is reserved for graduate students who have already borrowed the maximum amount of the Unsubsidized Loan<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">Students may annually borrow a PLUS Loan up to the <a href=\"https:\/\/questromworld.bu.edu\/grad\/essentials\/financial-aid\/cost-of-attendance\/\">Cost of Attendance<\/a>, minus any other aid<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">The current interest rate for PLUS loans disbursed on or after July 1, 2025 and before July 1, 2026 is 9.07% fixed<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">The origination fee is 4.228% for loans disbursed after October 1, 2020 and prior to October 1, 2026<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">Visit the Federal Student Aid website for additional information about <a href=\"https:\/\/studentaid.gov\/understand-aid\/types\/loans\/plus\/grad\">Federal Graduate PLUS Loans<\/a><\/li>\n<\/ul>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<li><div class='iconlist_icon av-mgfhvk75-7fcd1d6c7ef9e8b7ed6f3118c7525007 avia-font-svg_entypo-fontello avia-svg-icon avia-font-svg_entypo-fontello'><span class='av-icon-char' data-av_svg_icon='clipboard' data-av_iconset='svg_entypo-fontello'><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"32\" viewBox=\"0 0 22 32\" preserveAspectRatio=\"xMidYMid meet\" aria-labelledby='av-svg-title-2' aria-describedby='av-svg-desc-2' role=\"graphics-symbol\" aria-hidden=\"true\">\n<title id='av-svg-title-2'>Clipboard<\/title>\n<desc id='av-svg-desc-2'>Clipboard<\/desc>\n<path d=\"M20.16 3.2q0.896 0 1.568 0.672t0.672 1.568v24.32q0 0.96-0.672 1.6t-1.568 0.64h-17.92q-0.896 0-1.568-0.64t-0.672-1.6v-24.32q0-0.896 0.672-1.568t1.568-0.672l1.92 4.8h14.080zM16.96 6.4h-11.52l-1.408-3.2h3.456l1.152-3.2h5.12l1.152 3.2h3.52z\"><\/path>\n<\/svg><\/span><\/div><article class=\"article-icon-entry \"  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div class=\"iconlist_content_wrap\"><header class=\"entry-content-header\" aria-label=\"Icon: How to Apply (26-27 FAFSA)\"><h4 class='av_iconlist_title iconlist_title  av_inherit_color'  itemprop=\"headline\" >How to Apply (26-27 FAFSA)<\/h4><\/header><div class='iconlist_content '  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\">Complete the <a href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\">Free Application for Federal Student Aid (FAFSA)<\/a> each academic year\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\">Boston University\u2019s FAFSA school code is 002130<\/li>\n<\/ul>\n<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">Complete the <a href=\"https:\/\/studentaid.gov\/plus-app\/grad\/landing\">Graduate PLUS Loan Application<\/a> on the Federal Student Aid website\n<ul>\n<li>Fall\/Spring requested Loan Period Start\/End Dates: August &#8211; May<\/li>\n<li>Fall requested Loan Period Start\/End Dates: August &#8211; December<\/li>\n<li>Spring requested Loan Period Start\/End Dates: January &#8211; May<\/li>\n<li>Summer requested Loan Period Start\/End Dates: May &#8211; August<\/li>\n<\/ul>\n<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">First-time BU borrowers must complete <a href=\"https:\/\/studentaid.gov\/entrance-counseling\/\">Entrance Loan Counseling (ELC)<\/a>\u00a0by selecting the option &#8220;I am a Graduate or Professional Student&#8221;<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">First-time BU borrowers must complete a\u00a0 <a href=\"https:\/\/studentaid.gov\/mpn\/grad\/landing\">Direct PLUS Loans Master Promissory Note (MPN)<\/a><\/li>\n<\/ul>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt;color: black\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<\/div><\/div><footer class=\"entry-footer\"><\/footer><\/article><div class=\"iconlist-timeline\"><\/div><\/li>\n<\/ul><\/div><\/p><\/div>\n<div  class='hr av-tqfkm1-0d75a63b86eca9fae643784fa100ffba hr-default  avia-builder-el-15  el_after_av_one_half  el_before_av_one_half '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div>\n<div  class='flex_column av-184xzcp-4a1e9ec85f8f25ebc6356d95521979ce av_one_half  avia-builder-el-16  el_after_av_hr  el_before_av_one_half  first flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m6u6v9s5-4e4e0e5d236e07901ff7be303646b607\">\n#top .av-special-heading.av-m6u6v9s5-4e4e0e5d236e07901ff7be303646b607{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-m6u6v9s5-4e4e0e5d236e07901ff7be303646b607 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-m6u6v9s5-4e4e0e5d236e07901ff7be303646b607 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-m6u6v9s5-4e4e0e5d236e07901ff7be303646b607 av-special-heading-h2  avia-builder-el-17  el_before_av_toggle_container  avia-builder-el-first '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >Federal Loan Requirements<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m70ltg6m-fb58281e748a0ccf636d0236556f76ae\">\n#top .togglecontainer.av-m70ltg6m-fb58281e748a0ccf636d0236556f76ae p.toggler .toggle_icon{\ncolor:#b02b2c;\nborder-color:#b02b2c;\n}\n#top .togglecontainer.av-m70ltg6m-fb58281e748a0ccf636d0236556f76ae p.toggler .toggle_icon > span{\ncolor:#b02b2c;\nborder-color:#b02b2c;\n}\n<\/style>\n<div  class='togglecontainer av-m70ltg6m-fb58281e748a0ccf636d0236556f76ae  avia-builder-el-18  el_after_av_heading  avia-builder-el-last  toggle_close_all' >\n<section class='av_toggle_section av-m70ltsyh-6f153149084687d8192303957f80fc44'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-1' data-fake-id='#toggle-id-1' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-1' data-slide-speed=\"200\" data-title=\"Entrance Loan Counseling (ELC)\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Entrance Loan Counseling (ELC)\" data-aria_expanded=\"Click to collapse: Entrance Loan Counseling (ELC)\">Entrance Loan Counseling (ELC)<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-1' aria-labelledby='toggle-toggle-id-1' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p style=\"margin: 0in;line-height: 16pt;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><a href=\"https:\/\/studentaid.gov\/entrance-counseling\/\">Entrance Loan Counseling<\/a> (ELC): ensures student borrowers understand the terms and conditions of their loan and their rights and responsibilities. Borrowers will learn what a loan is, how interest works, options for repayment, and how to avoid delinquency and default.<\/p>\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\">Boston University requires all first-time BU borrowers to complete Entrance Loan Counseling<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">Entrance Counseling takes about 30 minutes to complete and must be completed in a single session<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">Select <strong>&#8220;I am a Graduate or Professional Student&#8221;<\/strong><\/li>\n<\/ul>\n<div class=\"su-spacer\" style=\"height:20px\"><\/div>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-m70luhq6-d4b96001c7a683bcbed4697f4fd83222'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-2' data-fake-id='#toggle-id-2' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-2' data-slide-speed=\"200\" data-title=\"Master Promissory Note (MPN)\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Master Promissory Note (MPN)\" data-aria_expanded=\"Click to collapse: Master Promissory Note (MPN)\">Master Promissory Note (MPN)<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-2' aria-labelledby='toggle-toggle-id-2' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p style=\"margin: 0in;line-height: 16pt;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><a href=\"https:\/\/studentaid.gov\/mpn\/\">Master Promissory Note<\/a> (MPN): is a legal document in which student borrower&#8217;s&#8217; promise to repay their loan(s) and any accrued interest and fees to the U.S. Department of Education. It also explains the terms and conditions of the loan(s).<\/p>\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\">Boston University requires all first-time BU borrowers to complete a new Master Promissory Note<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">A MPN expires every 10 years &#8211; If a loan does not disburse within the first 12 months of the MPN being completed, the MPN expires<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><span style=\"font-weight: 400\">Graduate\/Professional students can be eligible for Direct Unsubsidized Loans, Direct PLUS Loans, or both \u2013 students must complete an MPN for each loan type they intend to receive<\/span><\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">Select <strong>&#8220;I am a Graduate or Professional Student&#8221;<\/strong><\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\">Students should complete the <strong>MPN for Subsidized &amp; Unsubsidized Loans<\/strong> and\/or the <strong>MPN for Direct PLUS Loans<\/strong>, depending on the loan they are applying for<\/li>\n<\/ul>\n<div class=\"su-spacer\" style=\"height:20px\"><\/div>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-m8fy0ls7-2c08afdd7b4321fca1f44834da11fa8f'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-3' data-fake-id='#toggle-id-3' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-3' data-slide-speed=\"200\" data-title=\"Exit Loan Counseling\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Exit Loan Counseling\" data-aria_expanded=\"Click to collapse: Exit Loan Counseling\">Exit Loan Counseling<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-3' aria-labelledby='toggle-toggle-id-3' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><a href=\"https:\/\/studentaid.gov\/exit-counseling\/\"><span style=\"font-weight: 400\">Exit Loan Counseling<\/span><\/a><span style=\"font-weight: 400\">: is a process that ensures students understand their loan obligations and are prepared for loan repayment.<\/span><\/p>\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\"><span style=\"font-weight: 400\">Exit Counseling must be completed when a student graduates, takes a leave of absence\/withdraws\/transfers, or drops below half-time enrollment.<\/span><\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><span style=\"font-weight: 400\">Reviews federal student loan payments plans and how to contact one\u2019s federal loan servicer<\/span><\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><span style=\"font-weight: 400\">Select \u201cI am a Graduate or Professional Student\u201d<\/span><\/li>\n<\/ul>\n<div class=\"su-spacer\" style=\"height:20px\"><\/div>\n<\/div><\/div><\/div><\/section>\n<\/div><\/p><\/div>\n<div  class='flex_column av-vjqto9-575b3252d01b0ff2cdae0c2393b51d51 av_one_half  avia-builder-el-19  el_after_av_one_half  avia-builder-el-last  flex_column_div  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-mngo5rpt-43b4ec5eccff0c45607fe7589b3fcb19\">\n#top .av-special-heading.av-mngo5rpt-43b4ec5eccff0c45607fe7589b3fcb19{\npadding-bottom:10px;\n}\nbody .av-special-heading.av-mngo5rpt-43b4ec5eccff0c45607fe7589b3fcb19 .av-special-heading-tag .heading-char{\nfont-size:25px;\n}\n.av-special-heading.av-mngo5rpt-43b4ec5eccff0c45607fe7589b3fcb19 .av-subheading{\nfont-size:15px;\n}\n<\/style>\n<div  class='av-special-heading av-mngo5rpt-43b4ec5eccff0c45607fe7589b3fcb19 av-special-heading-h2  avia-builder-el-20  el_before_av_toggle_container  avia-builder-el-first '><h2 class='av-special-heading-tag '  itemprop=\"headline\"  >One Big Beautiful Bill<\/h2><div class=\"special-heading-border\"><div class=\"special-heading-inner-border\"><\/div><\/div><\/div><br \/>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-29zkrkp-a066a390ce5a9c84677cab27614e7681\">\n#top .togglecontainer.av-29zkrkp-a066a390ce5a9c84677cab27614e7681 p.toggler .toggle_icon{\ncolor:#b02b2c;\nborder-color:#b02b2c;\n}\n#top .togglecontainer.av-29zkrkp-a066a390ce5a9c84677cab27614e7681 p.toggler .toggle_icon > span{\ncolor:#b02b2c;\nborder-color:#b02b2c;\n}\n<\/style>\n<div  class='togglecontainer av-29zkrkp-a066a390ce5a9c84677cab27614e7681  avia-builder-el-21  el_after_av_heading  avia-builder-el-last  toggle_close_all' >\n<section class='av_toggle_section av-1ppj1ll-c8b750d835665b1f8be1e8608990676e'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-4' data-fake-id='#toggle-id-4' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-4' data-slide-speed=\"200\" data-title=\"One Big Beautiful Bill Act (OBBBA)\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: One Big Beautiful Bill Act (OBBBA)\" data-aria_expanded=\"Click to collapse: One Big Beautiful Bill Act (OBBBA)\">One Big Beautiful Bill Act (OBBBA)<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-4' aria-labelledby='toggle-toggle-id-4' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><span style=\"font-weight: bold\"><span class=\"TextRun SCXW240823434 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW240823434 BCX0\">Congress has enacted significant updates to federal student aid programs that will take effect for the 2026\u201327 academic year. Key changes include new borrowing limits for graduate and professional students, caps on Parent PLUS loans, and a new lifetime loan limit across all Direct Loans. The Department of Education is still\u00a0<\/span><span class=\"NormalTextRun SCXW240823434 BCX0\">finalizing<\/span><span class=\"NormalTextRun SCXW240823434 BCX0\">\u00a0details, and we will continue to share\u00a0<\/span><\/span><a class=\"Hyperlink SCXW240823434 BCX0\" href=\"https:\/\/www.bu.edu\/finaid\/how-aid-works\/federal-financial-aid-updates\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW240823434 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW240823434 BCX0\" data-ccp-charstyle=\"Hyperlink\">updates<\/span><\/span><\/a><span class=\"TextRun SCXW240823434 BCX0\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW240823434 BCX0\">\u00a0as they become available.<\/span><\/span><\/span><\/p>\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\"><span style=\"font-family: Calibri;font-size: 12.0pt\">New annual loan borrowing limit is $20,500 for graduate students &amp; $50,000 for professional students.<\/span><\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><span style=\"font-family: Calibri;font-size: 12.0pt\">New aggregate loan borrowing limit is capped at $100,000 for graduate students &amp; $200,000 for professional students, and does not include amounts borrowed as an undergraduate.<\/span><\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><span style=\"font-family: Calibri;font-size: 12.0pt\">Borrowers who are both graduate and professional students at some point in their educational careers may only borrow up to $200,000 in total for graduate &amp; professional school.<\/span><\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><span style=\"font-family: Calibri;font-size: 12.0pt\">$257,500 lifetime borrowing limit on all federal student loans (excluding Parent PLUS Loan amounts borrowed on behalf of the student).<\/span><\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><span style=\"font-family: Calibri;font-size: 12.0pt\">The Graduate PLUS Loan Program has been eliminated.<\/span><\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><span style=\"font-family: Calibri;font-size: 12.0pt\">Federal student loan limits for part-time students will be prorated, meaning that students can only borrow an amount directly proportional to their enrollment status.<\/span><\/li>\n<\/ul>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt;color: black\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-10abihl-3fdb83f0719c378bd12ef234e9350a23'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-5' data-fake-id='#toggle-id-5' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-5' data-slide-speed=\"200\" data-title=\"Legacy Provisions\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Legacy Provisions\" data-aria_expanded=\"Click to collapse: Legacy Provisions\">Legacy Provisions<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-5' aria-labelledby='toggle-toggle-id-5' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\"><span style=\"font-family: Calibri;font-size: 12.0pt\">If a borrower has a Federal Direct Loan (Subsidized, Unsubsidized, PLUS) made before July 1, 2026, while enrolled in a credentialed program, the borrower can <\/span><span style=\"text-decoration: underline;font-family: Calibri;font-size: 12.0pt\">continue to borrow under current loan terms &amp; limits for 3 academic years<\/span><span style=\"font-family: Calibri;font-size: 12.0pt\">\u00a0OR <\/span><span style=\"text-decoration: underline;font-family: Calibri;font-size: 12.0pt\">the remainder of one\u2019s program<\/span><span style=\"font-family: Calibri;font-size: 12.0pt\">, whichever is less.<\/span><\/li>\n<li>\n<p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\">Students who take a leave of absence (LOA) or withdraw from their program on or after July 1, 2026, will lose access to the legacy provisions, even if the student returns to the same program.<\/p>\n<\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><span style=\"font-family: Calibri;font-size: 12.0pt\">Old aggregate loan borrowing limit is 20,500 for graduate students.<\/span><\/li>\n<li style=\"font-family: Calibri;font-size: 12pt\"><span style=\"font-family: Calibri;font-size: 12.0pt\">Old aggregate loan borrowing limit is capped at $138,500 for graduate and professional students, and does include amounts borrowed as an undergraduate<\/span><\/li>\n<\/ul>\n<div class=\"su-spacer\" style=\"height:20px\"><\/div>\n<\/div><\/div><\/div><\/section>\n<section class='av_toggle_section av-kri23d-4512b14a7ba299f7d261aa504d98fb7b'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div role=\"tablist\" class=\"single_toggle\" data-tags=\"{All} \"  ><p id='toggle-toggle-id-6' data-fake-id='#toggle-id-6' class='toggler  av-title-above '  itemprop=\"headline\"  role='tab' tabindex='0' aria-controls='toggle-id-6' data-slide-speed=\"200\" data-title=\"Disclaimer\" data-title-open=\"\" data-aria_collapsed=\"Click to expand: Disclaimer\" data-aria_expanded=\"Click to collapse: Disclaimer\">Disclaimer<span class=\"toggle_icon\"><span class=\"vert_icon\"><\/span><span class=\"hor_icon\"><\/span><\/span><\/p><div id='toggle-id-6' aria-labelledby='toggle-toggle-id-6' role='region' class='toggle_wrap  av-title-above'  ><div class='toggle_content invers-color '  itemprop=\"text\" ><p style=\"margin: 0in;font-family: Calibri;font-size: 12.0pt\"><div class=\"su-spacer\" style=\"height:20px\"><\/div><\/p>\n<ul>\n<li style=\"font-family: Calibri;font-size: 12pt\">This is not a definitive guide to all federal student loan updates \u2013 for more information, please refer to the federal government\u2019s source for official guidance:\u00a0<a href=\"https:\/\/studentaid.gov\/\">studentaid.gov<\/a><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/section>\n<\/div><\/p><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":278,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-15673","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Federal Direct Loans - Questrom 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