Loans

Components to loan process:

  • First-time borrower must complete: 

Federal Direct Loans

Private Loans

The Financial Aid Office encourages borrowers to compare lenders. For the best results, use our Student Loan Center, powered by SimpleTuition, to select the borrower benefit options of your choice (under "Borrower Rewards"). You may also use side by side comparisons by checking the boxes of the lenders you would like to compare and clicking the "Compare" button. 

Direct Federal Loans

Federal William D. Ford Direct Loan Program

Loans made through this program are referred to as Direct Loans.  Eligible students and parents borrow directly fro the U.S. Department of Education at participating schools.  Direct Loans include subsidized and unsubsidized Direct Loans (also known as Direct Subsidized Loans and Direct Unsubsidized Loans), Direct PLUS Loans, and Direct Consolidation Loans (You pay these loans to the bank or private lender that made you the loan).

If you have questions, please call the Financial Office at 727-376-6911 x311.

Direct Stafford Loans (Subsidized & Unsubsidized) (SIGN IN)

Direct PLUS Loans (SIGN IN)

Federal Stafford Subsidized & Unsubsidized Loans:

The maximum Annual Loan Limits Chart – Subsidized and Unsubsidized Direct and FFEL Stafford loans shows that your loan limits depend on:

  • What year you are in school
  • Whether you are a dependent or independent student

Year

Dependent Undergraduate Student(except students whose parents are unable to obtain PLUS Loans

Independent Undergraduate Student (and dependent students whose parents are unable to obtain PLUS Loans)

Graduate & Professional Degree Students

First Year

$3,500 plus $2,000 in unsubsidized

$9,500 – No more than $3,500 of this amount may be in subsidized loans.

$20,500– No more than $8,500 of this amount may be in subsidized loans.

Second Year

$4,500 plus $2,000 in unsubsidized

$10,500– No more than $4,500 of this amount may be in subsidized loans.

$20,500– No more than $8,500 of this amount may be in subsidized loans.

Third and beyond (each year)

$5,500 plus $2,000 in unsubsidized

$12,500– No more than $5,500 of this amount may be in subsidized loans.

$20,500– No more than $8,500 of this amount may be in subsidized loans.

Maximum Total Debt from Stafford Loans.  When you graduate (aggregate loan limits)

$31,000

Maximum $23,000 subsidized.

$57,500– No more than $23,000 of this amount may be in subsidized loans.

$138,500– No more than $65,500 of this amount may be in subsidized loans. The graduate debt limit includes Stafford Loans received for undergraduate study.

NOTE: The amounts shown in the chart above are the maximum amounts that you may borrow for an academic calendar year.  You might receive less than the maximum if you receive other financial aid that’s used to cover a portion of your cost of attendance.  The maximum amount you may borrow will also be less in certain situations, such as if you are an undergraduate student enrolled in a program of study that is shorter than an academic year.  Your school can refuse to certify your loan or can certify a loan for an amount less than you would otherwise be eligible for if the school documents the reason for its action and explains the reason to you in writing.  The school’s decision is final and cannot be appealed to the U.S. Department of Education.  For additional information please refer to www.FederalStudentAid.ed.gov and click on “Students, Parents, and Counselors”.

Contact Information for the FSA Student Loan Ombudsman's Office:

U.S. Department of Education FSA Ombudsman

830 First Street, N.E.

Washington, D.C. 20202-5144

fsaombudsmanoffice@ed.gov 

202-377-3800

877-557-2575 (toll free)

202-275-0549 FAX



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