Direct Loan Program

The Direct Loan Program is a federal initiative that provides students and their families with federal loans to help pay for college or career school. Students apply through the FAFSA, and funds are directly provided by the U.S. Department of Education. These loans typically have fixed interest rates and repayment options that start after graduation or enrollment drops below half-time. The program aims to make higher education more accessible by offering affordable borrowing terms, flexible repayment plans, and borrower protections, helping students finance their education without incurring overwhelming debt upfront.