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h > Financial Aid > Explore Opportunities > Loans > Federal Direct Loans

Financial Aid: Federal Direct Loans

Please note:  The William D. Ford Federal Direct Loan (Direct Loan) Program is the largest federal student loan program.The Direct Loan program is regulated by federal law and is subject to change. For information you may visit Federal Student Aid.

Direct Loans are available to students at Armstrong who are enrolled and verified in at least half-time attendance. For all undergraduate, post-baccalaureate, limited, and provisionally-admitted students, half-time is at least six credit hours. For all regularly-admitted graduate students, half-time is at least three credit hours.  Direct Loans may be either subsidized or unsubsidized.

A Direct Subsidized Loan is awarded to undergraduate students on the basis of financial need. A student is not charged interest on this loan while he or she is enrolled in school at least half time or during authorized periods of deferment. The federal government "subsidizes" the interest during these periods.  Only undergraduate students are eligible for subsidized loans.

An Direct Unsubsidized Loan is not awarded on the basis of financial need; therefore, the student will be charged interest on the loan from the time it is disbursed until the time it is paid in full. If you allow the interest to accumulate, it will be capitalized -- that is, the interest will be added to the principal amount of your loan and additional interest will be based upon the higher amount. Capitalization will increase the amount you have to repay. Armstrong suggests that you pay the interest prior to capitalization.

How much am I eligible for?