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Federal Subsidized Loans

Federal subsidized loans are need-based. Subsidized means interest does not accrue while you are in school.

For subsidized loans disbursed between July 1, 2021 and June 30, 2022, the interest rate is 3.73%. Interest does not accrue while you are in school at least half-time and for six months after graduation/dropping below half-time.


  • Available to undergraduate students only
  • Must be enrolled at least half-time (6 credits)
  • Apply through the FAFSA and qualify for financial need

Subsidized Loan Amounts

View Maximum Loan Amounts

Amounts are based on your year in school, dependency status (determined by the FAFSA), and financial need. Amounts listed are annual maximum amounts-you may be awarded less. When the loan is posted to your account, the government keeps a small portion (about 1%) for loan processing. 

View MyAid Dashboard for your specific loan eligibility.

Helpful Links

Loan Repayment