Federal Direct Loan Program

The Department of Education has two Federal Direct Loan Programs: the need-based Subsidized and the non-need-based Unsubsidized Federal Direct Loan Programs. It is possible for a student to qualify for both programs. However, you may never borrow more than the loan limit or the difference between the cost of attendance and your other financial aid —whichever is less.

More information regarding applying for federal loans is available at, and video tutorials may be found at

New York State students may qualify for loan forgiveness through the NYS Get on Your Feet Loan Forgiveness Program.