Direct Loans

The Direct Loan Program makes long-term loans available to students at all levels of study, and to parents on behalf of dependent students. The federal government subsidizes interest during defined periods for undergraduate students who show need under the federal need analysis methodology, but only for a limited amount of time based on the length of the student’s program. Various repayment plans are available, as well as deferments, cancellations, and discharges.

Related topics in this Index: Loan CounselingCohort default rate 


A Case Study of Undergraduate Debt, Repayment Plans, and Postbaccalaureate Decision-Making Among Black Students at HBCUs Web URL

A Primer on Higher Education, Student Aid, and the Federal Budget Process Web URL

Borrowers Discuss the Challenges of Student Loan Repayment Web URL

Changes in HBCU Financial Aid and Student Enrollment After the Tightening of PLUS Credit Standards Web URL

College Student Debt and Anticipated Repayment Difficulty Web URL

Comparison of Sub and Unsub for Undergrads, 2020-21 PDF

Debt Profiles of Model Students: The Projected Debt of Highly Productive Students and Its Economic Impact Web URL

Direct Loans AskRegs Knowledgebase Q&As Web URL

Direct Loans Self-Study Guide Web URL

Education Tax Credits: A Different Trajectory for Federal Funding of Higher Education and Remediation for Effectual Policymaking Web URL

Exploring IDR: A Comparison of Financial Situations and Behaviors Between Those in Traditional Student Loan Repayment and Those in Income-Driven Repayment Web URL

Graduate and Professional Reference Sheet, 2020-21 PDF

Parent Borrowing and College Completion Web URL

PLUS Borrowing in Texas: Repayment Expectations, Experience, and Hindsight by Minority-Serving Institution Status PDF

Policymakers Should Consider Impact of Growing Student Loan Balances on Borrowers and Taxpayers Web URL

Social Dimensions of Student Debt: A Data Mining Analysis Web URL

Student Aid Reference Sheet, 2020-21 PDF

Student Loans, Financial Stress, and College Student Retention Web URL

Student Loan System Presents Repayment Challenges Web URL

The Influence of Stafford Load Debtload on Persistence Among Historically Underserved Populations at a Hispanic Serving Institution Web URL

Understanding Loan Use and Debt Burden Among Low-income and Minority Students at a Large Urban Community College Web URL

See top list entries for Cash Management and Disbursement

See top list entry for Loan Counseling

See top list entry for Loan Counseling

Electronic Announcement, 5/15/20 Web URL

Interest Rates for Direct Loans First Disbursed Between July 1, 2020 and June 30, 2021