Armstrong State University is now Georgia Southern University. For information about Fall 2018 and beyond, visit Current Armstrong students (spring and summer 2018) can continue to access information through For details about the consolidation, visit
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?


Read More $5.2 Million Federal Grant to Provide Scholarships to Underserved Students in Waters College of Health Professions

(October 6, 2017) – Armstrong State University Associate Provost for Academic Affairs and Graduate Studies Donna Brooks, Ph.D., is the recipient of a four-year U.S. Health Resources and Services Administration’s Scholarships for Disadvantaged Students Program Grant valued at $5.2 million.

Read More Armstrong Launches Childcare Tuition Assistance Program

(February 9, 2017) – In partnership with Atlanta-based nonprofit Quality Care for Children, Armstrong State University recently launched a program, which provides financial assistance for quality child care to parents who are pursuing a four-year college degree.

Read More Armstrong Signs Memorandum of Understanding with Consul General of Mexico to Provide Scholarships

(December 13, 2016) – On Friday, Dec. 9, Consul General of Mexico Javier Díaz de Leó visited Armstrong State University to sign a memorandum of understanding with Armstrong President Linda M. Bleicken. The Hispanic Outreach and Leadership at Armstrong program is a recipient of the Mexican Consulate’s 2016-2017 IME-Becas Scholarship Program, which benefits Mexican and Mexican-American students.

Read More Great Dane’s Hammond for Hope Foundation Awards Two Scholarships to Armstrong

(December 9, 2016) – Armstrong State University has received a three-year commitment from the Hammond for Hope Foundation -- founded by Great Dane -- to fund two scholarships, beginning in fall 2017. One $10,000 scholarship and one $5,000 scholarship will be awarded annually to students working toward graduate degrees in Armstrong’s Communication Sciences and Disorders program. 

View More Department News >