The Direct Loan Program makes long-term loans available to students at all levels of study, and to parents on behalf of dependent students. The fe...

The Direct Loan Program makes long-term loans available to students at all levels of study, and to parents on behalf of dependent students. The federal government subsidizes interest during defined periods for undergraduate students who show need under the federal need analysis methodology, but only for a limited amount of time based on the length of the student’s program. Various repayment plans are available, as well as deferments, cancellations, and discharges.

Related terms: Loan Counseling; Cohort Default Rate (CDR)

 

The Direct Loan Program makes long-term loans available to students at all levels of study, and to parents on behalf of dependent students. The federal government subsidizes interest during defined periods for undergraduate students who show need under the federal need analysis methodology, but only for a limited amount of time based on the length of the student’s program. Various repayment plans are available, as well as deferments, cancellations, and discharges.

Related terms: Loan Counseling; Cohort Default Rate (CDR)

 

Web URL 34 CFR Part 685
Web URL A Case Study of Undergraduate Debt, Repayment Plans, and Postbaccalaureate Decision-Making Among Black Students at HBCUs

(Journal of Student Financial Aid)

Web URL A Primer on Higher Education, Student Aid, and the Federal Budget Process

(Journal of Student Financial Aid)

Web URL Borrowers Discuss the Challenges of Student Loan Repayment

(The Pew Charitable Trusts)

Web URL Another Lesson on Caution in IDR Analysis: Using the 2019 Survey of Consumer Finances to Examine Income-Driven Repayment and Financial Outcomes

(Journal of Student Financial Aid)

Web URL Changes in HBCU Financial Aid and Student Enrollment After the Tightening of PLUS Credit Standards

(Journal of Student Financial Aid)

Web URL College Student Debt and Anticipated Repayment Difficulty

(Journal of Student Financial Aid)

PDF Comparison of Sub and Unsub for Undergrads

(National Association of Student Financial Aid Administrators)

Web URL Debt Profiles of Model Students: The Projected Debt of Highly Productive Students and Its Economic Impact

(Journal of Student Financial Aid)

Web URL Direct Loans AskRegs Knowledgebase Q&As

(National Association of Student Financial Aid Administrators)

PDF Direct Loans Reference Sheet

(National Association of Student Financial Aid Administrators)

Web URL Direct Loans Self-Study Guide

(National Association of Student Financial Aid Administrators)

Web URL Do Promise Programs Reduce Student Loans? Evidence from Tennessee Promise

(The Journal of Higher Education)

Web URL Does the House Always Win? An Analysis of Barriers to Wealth Building and College Borrowing

(Journal of Student Financial Aid)

Web URL Education Tax Credits: A Different Trajectory for Federal Funding of Higher Education and Remediation for Effectual Policymaking

(Journal of Student Financial Aid)

Web URL Exploring IDR: A Comparison of Financial Situations and Behaviors Between Those in Traditional Student Loan Repayment and Those in Income-Driven Repayment

(Journal of Student Financial Aid)

Web URL Getting it Right: Design Principles for Student Loan Servicing Reform

(Third Way)

PDF Graduate and Professional Reference Sheet

(National Association of Student Financial Aid Administrators)

Web URL Higher Education: Can Debt Beat Savings?

(Journal of Student Financial Aid)

Web URL National Student Aid Profile: Overview of 2021 Federal Programs

(National Association of Student Financial Aid Administrators)

Web URL Parent Borrowing and College Completion

(Journal of Student Financial Aid)

PDF PLUS Borrowing in Texas: Repayment Expectations, Experience, and Hindsight by Minority-Serving Institution Status

(Trellis Company)

Web URL Policymakers Should Consider Impact of Growing Student Loan Balances on Borrowers and Taxpayers

(The Pew Charitable Trusts)

PDF Protecting Borrowers & Advancing Equity: Systemic Solutions to Improve Federal Student Loan Servicing & Repayment

(National Association of Student Financial Aid Administrators)

Web URL Social Dimensions of Student Debt: A Data Mining Analysis

(Journal of Student Financial Aid)

PDF Student Aid Reference Sheet

(National Association of Student Financial Aid Administrators)

Web URL Student Loan System Presents Repayment Challenges

(The Pew Charitable Trusts)

Web URL Student Loans, Financial Stress, and College Student Retention

(Journal of Student Financial Aid)

PDF Student Loans and Health-related Financial Hardship

(Journal of Student Financial Aid)

Web URL The Influence of Stafford Loan Debt Load on Persistence Among Historically Underserved Populations at a Hispanic Serving Institution

(Journal of Student Financial Aid)

Web URL The North Carolina Teaching Fellows Program: A Case Study of the Use of Forgivable Loans in Recruiting Future STEM Teachers

(Journal of Student Financial Aid)

Web URL Understanding Loan Use and Debt Burden Among Low-income and Minority Students at a Large Urban Community College

(Journal of Student Financial Aid)

Web URL Unforced Errors: How One Simple Fix Could Improve Student Loan Repayment

(Third Way)

Web URL Who do College Students Turn to for Financial Aid and Student Loan Advice, and is it Advice Worth Following?

(Journal of Student Financial Aid)

Web URL 685.203(k)

See top list entry for Cash Management, Returning funds.

Web URL 685.306

See top list entry for Student Eligibility

Web URL 685.202(e)
Web URL 685.211(d)(2)

See top list entry for Professional Judgment

Web URL 685.301(a)(3)

See top list entries for Cash Management and Disbursement

See top list entry for Loan Counseling

See top list entry for Loan Counseling

Web URL 685.202(b)
Web URL 685.202(d)
Web URL 685.301(a)(7)
Web URL GEN-11-07

See also Cash Management

Web URL 685.211(f)
Web URL 685.211(b)
Web URL 685.208(l)
Web URL 685.208(a)(4)
Web URL 685.210(b)
Web URL 685.210
Web URL 685.208(d)-(e)
Web URL 685.208(i)
Web URL 685.208(f)-(j)
Web URL GEN-14-14
Web URL 685.208(b), (c)
Web URL 685.208(j)
Web URL 685.200(e)
Web URL 685.308
Web URL 685.305
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