UofL participates in the William D. Ford Direct Loan Program. In the Direct Loan Program, eligible students and parents borrow directly from the U.S. Department of Education.  Direct Loans include Direct Subsidized Loans, Direct Unsubsidized Loans, Direct PLUS Loans, and Direct Consolidation Loans. You repay these loans directly to the U.S. Department of Education. For more information about the Federal Direct Loan Program, please visit the federal student aid website at

Students may also apply for a non-federal private/alternative student loan offered from a bank or lending institution.

Step By Step Instructions

Time Limitation on Direct Subsidized Loan Eligibility for First-Time Borrowers on or after July 1, 2013

If you are a first-time borrower on or after July 1, 2013, please familiarize yourself with the federal regulations regarding a limit on the maximum period of time (measured in academic years) you can receive Direct Subsidized Loans.  In general, you may not receive Direct Subsidized Loans for more than 150% of the published length of your program of study.  For more information, please review the U.S. Department of Education’s Federal Student Aid announcement concerning this time limitation.


Exit Interviews

Loan Repayment