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A variety of government and private loan options are available to pay for tuition and other expenses not covered by grants or scholarships.
Loans need to be repaid, plus interest, so it's important to consider your options and select your lender carefully. Students are strongly encouraged to use federal student loan program funds before seeking alternative/private sources because federal loans are typically less expensive. Learn more about the difference between federal and private loans.
Undergraduate students must be enrolled in a minimum of 6 credits in order to receive
federal student aid. Graduate students must be enrolled in a minimum of 6 credits
in order to qualify for federal student aid.
These low-interest loans, funded by the federal government, are either subsidized
or unsubsidized. Subsidized loans are awarded based on financial need, and the government
pays the interest while a student is enrolled in college. Unsubsidized loans are awarded
regardless of need but interest, which isn't covered by the government, accrues from
the time of loan disbursement. Neither loan requires repayment during the time a student
is enrolled in college.
PLUS loans are federal loans that parents of dependent undergraduates, as well as
graduate students, can use to help pay education expenses.
Alternative loans are student and parent loans borrowed through a bank or credit union.
Under federal law, the authority for schools to make new Perkins Loans ended Sept.
30, 2017. The final disbursements occurred in spring 2018.
A comprehensive list available to students who borrow Title IV funds, which lists
the funds and how much the student borrowed. Please note, this does not include private
Some students in the teaching profession may qualify for a portion or all of their
student loan debt to be canceled based on certain conditions.
Financial Aid Office
210 Glasgow Road
Edinboro, PA 16444
Hours of Operation:
Monday – Friday, 9 a.m. to 4 p.m.