Who Can Apply

Some federal loans are based upon financial need as determined by the Free Application for Federal Student Aid (FAFSA) (Subsidized & Perkins loans). Others do not require that you demonstrate financial need (PLUS & Unsubsidized loans).

To be considered for a federal student loan, applicants must meet the following criteria:

  • They must be enrolled in a degree-seeking or approved certificate program.
  • Undergraduate students must be enrolled six or more credit hours per term.
  • Graduate students must be enrolled in five or more credit hours per term.
  • They must be a U.S. citizen, U.S. national, U.S. permanent resident, citizen of the Freely Associated States: the Federated State of Micronesia and the Republics of Palau and the Marshall Islands.
  • They must be making the Financial Aid & Scholarships Office satisfactory academic progress for maintaining financial aid.
  • They must not be in default on a prior federal student loan or exceed lifetime borrowing limits.
  • They must be an eligible noncitizen.