Offices & Directories

Federal Direct Loan

Federal Direct Loans are either subsidized or unsubsidized. A subsidized loan is awarded on the basis of financial need. If the student is eligible for a subsidized loan, the government will pay (subsidize) the interest on the loan while the student is enrolled at least half-time during school and during the grace period (six months after the student graduates or falls below half-time attendance). Unsubsidized loans accrue interest during school. The student is not required but may make payments on the interest portion of the unsubsidized loan. Depending on financial need and class level students may receive a subsidized or unsubsidized loan, or a combination of both.

For more information please see our publication, A Step-by-Step Guide to Borrowing Through the Federal Direct Loan Program.

Federal Direct Master Promissory Note (MPN)

If you choose to accept the Federal Direct Loan in your financial aid award, you must complete both steps indicated below. All Undergraduate and Graduate students MUST complete the MPN in order to receive Federal Direct Subsidized and Unsubsidized loans. 

Step 1: Login to the student portal of student portal of and complete your Federally Required Entrance Counseling.

Step 2: After completion of your entrance counseling complete the Federal Direct Loan master promissory Note (MPN) available on the same Web Site. Please Note: When prompted to select the loan you would like to receive, select "Subsidized/Unsubsidized."

You will be required to use your U.S. Department of Education issued PIN to complete an electronic MPN. This is the same PIN that was used to complete the signature on the FAFSA. For additional information or to ask general PIN questions, you can visit the official PIN site.

For more information on the Federal Direct Loan Program, please visit their website.

Entrance/Exit Counseling

Entrance counseling is designed to help you better understand the terms and conditions of the Federal Direct loan you are borrowing, as well as your rights and responsibilities before you borrow money from the Federal government. You will be required to complete Loan Entrance Counseling as required by federal regulation before loan funds can be disbursed to your account. This requirement can be completed online or in person during freshman orientation week. Entrance counseling and the MPN are good for up to 10 years.

You will also be required to complete Loan Exit Counseling before graduation or upon leaving the University of Redlands.

Please note that entrance counseling needs to be completed by new borrowers only. Returning students who have previous loans through the Federal Stafford Loan program do not need to complete a new entrance interview for the Federal Direct Loan program.

Yearly Federal Direct Loan Limits

Year of Study Annual Loan Limits* Total annual limits for Independent students and/or those eligible for additional unsubsidized loans**
First $5500 (maximum $3500 subsidized) $5500 + $4000 additional unsubsidized funding
Second $6500 (maximum $4500 subsidized) $6500 + $4000 additional unsubsidized funding
Third, Fourth, Fifth $7500 (maximum $5500 subsidized) $7500 + $5000 additional unsubsidized funding
Teaching Credential $7500 (maximum $5500 subsidized) $7500 + $5000 additional unsubsidized funding
Graduate Professional (all years) $20500 $20500 unsubsidized funding***
*Annual loan limits include $2000 Unsubsidized Direct Loan available to all loan recipients.
** Additional Unsubsidized loans are available to independent students as well as dependent students whose parent is unable to borrow through the Federal Direct Parent PLUS Loan program due to adverse credit history.
*** Effective 07/01/2012, Graduate students will be eligible for unsubsidized direct loans only

Repayment & Servicing Information

You will begin repayment on your Direct Loans six months after you graduate, leave the University of Redlands, or drop below half-time. The Federal Direct Loan program offers options to students who need help with repayment of Federal Direct Loans including consolidation, deferment, forbearance, and income-sensitive repayment.

To view information regarding your Federal loan debt, please access the National Student Loan Data System (NSLDS).


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