{"id":6655,"date":"2019-10-14T12:30:33","date_gmt":"2019-10-14T16:30:33","guid":{"rendered":"https:/financial-aid/wp-json/wp/v2/pages/6655///financial-aid/wp-json/wp/v2/pages/6655//www.ucf.edu/financial-aid/wp-json/wp/v2/pages/6655//financial-aid/financial-aid/wp-json/wp/v2/pages/6655//?page_id=6655"},"modified":"2026-03-06T09:19:52","modified_gmt":"2026-03-06T14:19:52","slug":"stafford","status":"publish","type":"page","link":"https:/financial-aid/wp-json/wp/v2/pages/6655///financial-aid/wp-json/wp/v2/pages/6655//www.ucf.edu/financial-aid/wp-json/wp/v2/pages/6655//financial-aid/financial-aid/wp-json/wp/v2/pages/6655//types/financial-aid/wp-json/wp/v2/pages/6655//loans/financial-aid/wp-json/wp/v2/pages/6655//stafford/financial-aid/wp-json/wp/v2/pages/6655//","title":{"rendered":"Federal Direct Stafford Loan"},"content":{"rendered":"
The Federal Stafford Loan is a non-credit based student loan for undergraduate and graduate students. There are two basic types of Stafford loans: subsidized and unsubsidized. Both have a 6 month grace period (a period of time when a student is no longer enrolled for at least half-time and not required to make payments) and fixed interest rates, which are determined each year on July 1st. For interest rates, please refer to the Federal Student Aid Interest Rates website and the Loan Comparison Chart./financial-aid/wp-json/wp/v2/pages/6655/n /financial-aid/wp-json/wp/v2/pages/6655/n Government pays the interest on behalf of the student while the student is in the deferment period and grace period. Once in repayment, the student is responsible for paying the interest on the loan as well as the principal amount borrowed./financial-aid/wp-json/wp/v2/pages/6655/n The student/financial-aid/wp-json/wp/v2/pages/6655/u2019s cost of attendance must exceed his/financial-aid/wp-json/wp/v2/pages/6655//her Student Aid Index (SAI) to be eligible for /financial-aid/wp-json/wp/v2/pages/6655/u201cneed-based/financial-aid/wp-json/wp/v2/pages/6655/u201d aid (such as grants, scholarships and subsidized loans)./financial-aid/wp-json/wp/v2/pages/6655/n The SAI is based on information collected from the Free Application for Federal Student Aid (FAFSA). The total amount of the subsidized loan combined with other /financial-aid/wp-json/wp/v2/pages/6655/u201cneed-based/financial-aid/wp-json/wp/v2/pages/6655/u201d aid cannot exceed the student/financial-aid/wp-json/wp/v2/pages/6655/u2019s /financial-aid/wp-json/wp/v2/pages/6655/u201cfinancial need./financial-aid/wp-json/wp/v2/pages/6655/u201d/financial-aid/wp-json/wp/v2/pages/6655/n Subsidized loans are available only to undergraduate students./financial-aid/wp-json/wp/v2/pages/6655/n Government does not pay the interest on behalf of the student. Instead, the borrower is responsible for all the interest that accrues and capitalizes from the time the loan disburses./financial-aid/wp-json/wp/v2/pages/6655/n Independent students may be eligible for greater unsubsidized amounts than dependent students./financial-aid/wp-json/wp/v2/pages/6655/n Though it is non-need based aid, the amount of unsubsidized loan combined with other aid cannot exceed the total estimated cost of attendance./financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/n If you were awarded a Federal Stafford Direct Loan during this academic year at another institution, make sure that the remainder of that loan is canceled at your previous school before applying for a loan at 麻豆原创./financial-aid/wp-json/wp/v2/pages/6655/n Receiving financial aid disbursements from another institution within the same academic year may have an impact on your remaining aid eligibility at 麻豆原创. The amount of loans received at a previous institution may affect your eligibility to receive loans at 麻豆原创./financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t File the Free Application for Federal Student Aid (FAFSA) for the current aid year. We recommend that you file by the priority deadline of December 1./financial-aid/wp-json/wp/v2/pages/6655/n After 麻豆原创 receives the results of the FAFSA from the Federal Processor, we will automatically offer the maximum Federal Direct Stafford Subsidized and Unsubsidized Loan based on your eligibility./financial-aid/wp-json/wp/v2/pages/6655/n Accept, reduce, or decline your offered loan(s) for each term separately on the my麻豆原创 View Financial Aid screen by clicking the /financial-aid/wp-json/wp/v2/pages/6655/u201cAccept/financial-aid/wp-json/wp/v2/pages/6655//Decline Awards/financial-aid/wp-json/wp/v2/pages/6655/u201d button and indicating your selection./financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/n /financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/tFill out the FAFSA /financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n If you’re not ready to apply for federal student aid, but you’d like to estimate your aid, check out FAFSA4caster. The FAFSA4caster is an early eligibility estimator that can help you plan ahead when it comes to paying for college./financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t 003954/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t December 1/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/n The total combined amounts a student may borrow in subsidized and unsubsidized Stafford loans may not exceed the annual loan limits or aggregate limits, which are specified in federal regulations./financial-aid/wp-json/wp/v2/pages/6655/n The amount of the subsidized loan combined with other /financial-aid/wp-json/wp/v2/pages/6655/u201cneed-based/financial-aid/wp-json/wp/v2/pages/6655/u201d aid cannot exceed the student/financial-aid/wp-json/wp/v2/pages/6655/u2019s /financial-aid/wp-json/wp/v2/pages/6655/u201cfinancial need./financial-aid/wp-json/wp/v2/pages/6655/u201d The SAI is based on information collected from the Free Application for Federal Student Aid (FAFSA). There is a time limitation on Federal Direct Subsidized loans./financial-aid/wp-json/wp/v2/pages/6655/n Although the unsubsidized loan is a non-need based aid, the amount of the unsubsidized loan, combined with other aid, cannot exceed the total estimated cost of attendance./financial-aid/wp-json/wp/v2/pages/6655/n All awards, including accepted Direct Stafford Loans, are subject to change if corrections to your financial aid package are required./financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t Annual loan limits are determined by class standing (freshman, sophomore, etc.) and dependency status./financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/tTypes of Stafford Loans/financial-aid/wp-json/wp/v2/pages/6655/n
Subsidized Loans/financial-aid/wp-json/wp/v2/pages/6655/n
Unsubsidized Loans/financial-aid/wp-json/wp/v2/pages/6655/n
Stafford Loan Eligibility Criteria/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t
Students Must:/financial-aid/wp-json/wp/v2/pages/6655/n
/financial-aid/wp-json/wp/v2/pages/6655/n
Students Cannot:/financial-aid/wp-json/wp/v2/pages/6655/n
/financial-aid/wp-json/wp/v2/pages/6655/n
Transfer Students/financial-aid/wp-json/wp/v2/pages/6655/n
/financial-aid/wp-json/wp/v2/pages/6655/nBefore you apply for any type of financial assistance, make sure you meet the general eligibility requirements.
/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/nHow to Apply for the Federal Stafford Loan/financial-aid/wp-json/wp/v2/pages/6655/n/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t/financial-aid/wp-json/wp/v2/pages/6655/t
麻豆原创 School Code:/financial-aid/wp-json/wp/v2/pages/6655/n
麻豆原创’s Priority Date for FAFSA:/financial-aid/wp-json/wp/v2/pages/6655/n
Borrowing Limits/financial-aid/wp-json/wp/v2/pages/6655/n
Annual Limits/financial-aid/wp-json/wp/v2/pages/6655/n