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What are the eligibility requirements for Direct Subsidized and Unsubsidized Loans?

Direct Subsidized Loans

  • Undergraduate students only.
  • Must demonstrate financial need.
  • Must be enrolled at least half-time.
  • Interest is paid by the government while enrolled at least half-time.

Direct Unsubsidized Loans

  • Available to undergraduates and graduates.
  • No financial need required.
  • Must be enrolled at least half-time.
  • Student is responsible for the interest.

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