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    Loans

    Financial Assistance Office

    Loans to help pay for college expenses are available for both students and parents. Loan funds must be repaid. Applying for most loans requires completion of the FAFSA.



    On this page 

     Federal Direct Loans

     

    Federal Direct Loans are the most commonly awarded low-interest student loans from the U.S. Department of Education.  Federal Direct Loans can be subsidized or unsubsidized and require students to be enrolled at least half-time.
         General Information     Instructions     MPN & Entrance Counseling     Graduating & Repaying 
         Rights/Responsibilities

     Perkins Loans

     

    Perkins Loans are loans in which FHSU serves as the lender. No interest accrues on the Perkins loan while the student is enrolled at least half-time.
         General Information     Applying/Accepting     Deferments, Cancellations & Consolidation 

     Federal PLUS Loans

     

    Federal PLUS Loans are available for parents of dependent students and for graduate students. Students must be enrolled at least half-time.
         Parent PLUS Loans    Graduate PLUS Loans 

     Alternative Loans

     

    Federal loans typically offer a better long-term borrowing option; however, alternative loans offer a quick yet competitive lending alternative for those who have exhausted federal loan eligibility. Interest rates and terms vary among lenders.
         General Information     Finding a Lender     Applying for an Alternative Loan 

     Other Loans

     

    FHSU offers University Foundation loans and Short-Term loans.Student Fiscal Services manages these loans.
         General Information     University Foundation Loans     Short-Term Loans   

     Repaying your Loans

     

    The U. S. Department of Education provides repayment information for federal loans, including types of repayment plans, interest rates, calculating your monthly payments, postponing repayment, and consolidating your loans. 
         General Information     Deferment    Loan Consolidation     Repayment Video