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Direct Subsidized Loans and Direct Unsubsidized Loans

Benefit overview

Direct Subsidized Loans and Direct Unsubsidized Loans are federal student loans offered by the Department of Education. They help eligible students cover the cost of higher education. This can be at a four-year college or university, community college, trade, career or technical school. Direct Subsidized Loans and Direct Unsubsidized Loans are sometimes called “Stafford Loans” or “Direct Stafford Loans.” These are not the official loan names.

Direct Subsidized Loans are available to undergrad students with financial need. Direct Unsubsidized Loans are available to undergrad and graduate students. There is no requirement to demonstrate financial need for the unsubsidized loan.

How this benefit helps

This benefit helps eligible students by allowing them to begin or continue their education. With subsidized direct loans, students also save money as the DOE pays the interest on the loan for a period of time.

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Use Direct Subsidized and Direct Unsubsidized Loans to meet your educational and career goals

Continuing your education can help you achieve your career goals.

How to access this benefit

To apply for a Direct Loan, you must first complete and submit the Free Application for Federal Student Aid form. Your school will use the information from your FAFSA to determine the aid you are eligible to receive. Direct Loans are generally included as part of your financial aid package.

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