Educational Loan Information

Loans are a type of financial aid that must be repaid. Loan funds are intended to assist a student in educational expenses only. A student should consider their future loan debt and ability to repay before committing to borrow. Please read the information on loan repayment and calculations and on debt management to learn more.

Traditional Undergraduate Students

Direct Loans
Direct Unsubsidized loans are available to students to assist with educational costs. They feature lower interest rates than other types of loans and are issued by the government. Accrued interest is paid by the borrower, not the government.

Parent PLUS Loans
PLUS loans are available to parents of dependent students. Parents may borrow up to the cost of education minus financial aid per academic year. This program is not based on financial need; however, all borrowers must meet credit analysis standards.

Private Educational Loans
We encourage students to pursue federal student loans and grants prior to applying for private educational loans.

Degree Completion Students

Direct Loans
Direct Loans are available to students to assist with educational costs. The feature lower interest rates than other types of loans and are issued by the government. Direct Loans can be need-based (subsidized) or non-need based (unsubsidized).

Parent PLUS Loans
PLUS loans are available to parents of dependent students. Parents may borrow up to the cost of education minus financial aid per academic year. This program is not based on financial need; however, all borrowers must meet credit analysis standards.

Private Educational Loans
We encourage students to pursue federal student loans and grants prior to applying for private educational loans.

Graduate Students

Direct Loans
Direct Loans are available to graduate students to assist with educational costs. The feature lower interest rates than other types of loans and are issued by the government. Direct Loans can be need-based (subsidized) or non-need based (unsubsidized).

PLUS Loans
PLUS loans are available to graduate students. They may borrow up to the cost of education minus financial aid per academic year. This program is not based on financial need; however, all borrowers must meet credit analysis standards.

Private Educational Loans
We encourage students to pursue federal student loans and grants prior to applying for private educational loans.

Loan Counseling

The federal government requires you to complete loan counseling to ensure that you understand the responsibilities and obligations you are assuming. Entrance counseling will walk you through the Direct Loan process and explain your rights and responsibilities as a borrower.

Students graduating, withdrawing from school or falling below part time must go through loan exit counseling. Use the links below to start the loan exit counseling process.

Loan exit counseling for undergraduate or graduate students.

The U.S. Department of Education has authorized Fresno Pacific University to administer federal loan programs under Title IV funding.