The Office of Student Financial Aid (OSFA) will offer you the maximum Federal Direct Loan(s) allowed by federal law. Before borrowing, you should consider all other sources of income including state grants by contacting your home state grant agency. You should create and evaluate a personal budget and, if the full amount of loan offered is not needed, you should reduce or cancel the loan.

Closely review the Master Promissory Note (MPN) before you sign it, as borrowing is a binding legal obligation. All amounts borrowed must be repaid regardless of whether you complete college, are satisfied with your education, or find employment within your chosen field.

Prior to receiving Federal Direct Loan funds, you are required to complete Entrance Counseling.

As a borrower, you are entitled to certain tax benefits.  Information is available from the Internal Revenue Service, Publication 970, Tax Benefits for Education.

Federal Direct Loan information will be submitted to the National Student Loan Data System (NSLDS). Information in NSLDS is accessible to schools, lenders, and guarantors for specific purposes as authorized by the U.S. Department of Education.

When you leave school, you will be required to complete Exit Counseling which will give you detailed loan repayment information. If you have a dispute or problem with your student loan and you have made a reasonable effort to resolve your problem through normal processes and it is not resolved, contact the Ombudsman's Office at