Skip to main content

Federal Unsubsidized Loans

Federal unsubsidized loans are available to anyone. Unsubsidized means interest accrues while you are in school.

For unsubsidized loans disbursed between July 1, 2021 and June 30, 2022, interest rates are as follows:

  • 3.73% for undergraduate students
  • 5.28% for graduate and professional students

Interest begins accruing after the first disbursement.


  • Available to undergraduate and graduate students
  • Must be enrolled at least half-time
    • 6 credits for undergraduates
    • 4.5 credits for graduates
  • Financial need is not required
  • Must apply through the FAFSA

Unsubsidized Loan Amounts

View Maximum Loan Amounts

Amounts are based on your year in school and dependency status (determined by the FAFSA). 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