Student Loans

Do you have loans? If you do, you'll need to take care of a couple things, like signing your Electronic Master Promissory Note or going through online Loan Entrance Counseling. Since these are required, it's best to take care of them as soon as possible.  You can do both by clicking on the link below.

        StudentLoans.gov

Direct Lending

Northern Kentucky University has been a direct lending institution since 2010 and participates in the William D. Ford Direct Loan Program. Direct lending is when eligible students and parents borrow directly from the federal government. Direct Loans include subsidized and unsubsidized Direct Subsidized and Unsubsidized Loans, Direct PLUS Loans and Direct Consolidation Loans. You repay these loans directly to the U.S. Department of Education.

Yearly Aggregate Loan Limits

 

Dependent Student* Subsidized** Unsubsidized Total
  Freshman (1-29 hours) $3,500 $2,000 $5,500
  Sophomore (30-59 hours) $4,500 $2,000 $6,500
  Junior (60-89 hours) $5,500 $2,000 $7,500
  Senior (90+ hours) $5,500 $2,000 $7,500

 

Independent Student* Subsidized** Unsubsidized Total
  Freshman (1-29 hours) $3,500 $6,000 $9,500
  Sophomore (30-59 hours) $4,500 $6,000 $10,500
  Junior (60-89 hours) $5,500 $7,000 $12,500
  Senior (90+ hours) $5,500 $7,000 $12,500

 

Lifetime Aggregate Limit Subsidized** Total
  Dependent* $23,000 $31,000
  Independent* $23,000 $57,500
  Graduate $65,500 $138,500

*Undergraduate students

**Subsidized loans are based on need and may vary from student to student.