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Graduate Student Loans

Unsubsidized Loans

Unsubsidized loans are offered to eligible undergraduate, graduate, and professional students, but in this case, the student does not have to demonstrate financial need to be eligible for the loan. You are responsible for paying all interest on the loan.

Interest is charged beginning the day the loan is paid to you until the day the loan is repaid in full. You either may choose to pay the accumulated interest while you are in school, or to have the unpaid interest capitalized; i.e., added to the principal balance of the loan. NOTE: If your loan interest is capitalized, it will increase the amount you have to repay.

Students can make adjustments to their accepted Unsubsidized Loan by completing the Graduate Loan Change Form and submitting to SFS. Students can also make changes to a single semester's loans via the Single-Semester Loan Change Form. 

There are limits to when and how we can adjust loans. We cannot increase, reinstate, or create federal loan records for the Fall semester if the student is not registered for Spring and the Fall semester is over. Please review the academic calendar for the end-of-semester dates. We also cannot adjust loans in this manner after the end of Spring.

Graduate Loan Information

Graduate or Professional Students (MA, MS, MBA, JD, PhD, etc.)

Allopathic medicine and other graduate students in certain health professions (MD, DN, etc.)

Maximum total debt from Subsidized and Unsubsidized Loans

Graduate or Professional Students: $138,500 - No more than $65,500 of this amount may be in subsidized loans. The graduate debt limit includes all federal loans received for undergraduate study.

Allopathic medicine and other graduate students in certain health professions: $224,000 - No more than $65,500 of this amount may be in subsidized loans. The graduate debt limit includes all federal loans received for undergraduate study.

Graduate Fixed Interest Rate

7.05% (for loans first disbursed on or after 7/1/23 and before 7/1/24) - 8.08% (for loans first disbursed on or after 7/1/24 and before 7/1/25)

7.05% (for loans first disbursed on or after 7/1/23 and before 7/1/24) - 8.08% (for loans first disbursed on or after 7/1/24 and before 7/1/25)

Origination FeesFor example, the fee on a $20,500 unsubsidized loan will be $216.

1.057% for loans originated after October 1, 2024 and before October 1, 2025.

1.057% for loans originated after October 1, 2024 and before October 1, 2025.