Undergraduate Student Loans
Federal Direct Loans
Federal Direct Subsidized Student Loans and Federal Direct Unsubsidized Student Loans are federal student loans offered by the U.S. Department of Education (ED) to help eligible students cover the cost of higher education at a four-year college or university, community college, or trade, career, or technical school. (You might see Direct Subsidized Loans and Direct Unsubsidized Loans referred to as Stafford Loans or Direct Stafford Loans, but these are not the official loan names.)
After completing the Free Application for Federal Student Aid (FAFSA) and receiving your direct loan eligibility you may find that you still need some additional assistance. There are a number of private loan options you may pursue. We recommend that you review the preferred lender list on our website, as well as information you gather from other lenders to determine the best choice for your needs. These loans are based on credit worthiness and offer the option for a co-signer. The maximum amount you may borrow in a private loan is the cost of attendance less any other aid offered to you. While you may apply for private loans each term, we recommend that you determine the amount needed for the entire academic year and apply for the total amount. Funds will be disbursed equally at the start of each term.
College Access Loan Update
The Texas Higher Education Coordinating Board has adopted new loan limits for College Access Loans, effective Sept. 1, 2023. If you plan to apply for a CAL, we encourage you to apply as soon as possible and cover the total amount needed for the 2023-2024 year.
Please note: Parent loans are available for parents of undergraduate students.