{"id":6655,"date":"2019-10-14T12:30:33","date_gmt":"2019-10-14T16:30:33","guid":{"rendered":"https:\/\/www.ucf.edu\/financial-aid\/?page_id=6655"},"modified":"2026-03-06T09:19:52","modified_gmt":"2026-03-06T14:19:52","slug":"stafford","status":"publish","type":"page","link":"https:\/\/www.ucf.edu\/financial-aid\/types\/loans\/stafford\/","title":{"rendered":"Federal Direct Stafford Loan"},"content":{"rendered":"<div class=\"container my-4 my-sm-5\">\n\t\t\t\t\n<p class=\"lead\">The Federal Stafford Loan is a non-credit based student loan for undergraduate and graduate students. There are two basic types of Stafford loans: <a class=\"js-smoothscroll\" href=\"#subsidized\">subsidized<\/a> and <a class=\"js-smoothscroll\" href=\"#unsubsidized\">unsubsidized<\/a>. Both have a 6 month grace period (a period of time when a student is no longer enrolled for at least half-time and not required to make payments) and fixed interest rates, which are determined each year on July 1st. For interest rates, please refer to the&nbsp;<a href=\"https:\/\/studentaid.gov\/understand-aid\/types\/loans\/interest-rates\" target=\"_blank\" rel=\"noopener\">Federal Student Aid Interest Rates<\/a> website and the <a href=\"https:\/\/www.ucf.edu\/financial-aid\/document\/loan-comparison-chart\/\" target=\"_blank\" rel=\"noopener\">Loan Comparison Chart<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<section data-section-link-title=\"Types of Stafford Loans\"><\/section>\n<section id=\"types-of-stafford-loans\" class=\"auto-section\" data-section-link-title=\"Types of Stafford Loans\">\n<h2>Types of Stafford Loans<\/h2>\n<h3 id=\"subsidized\" class=\"h4 mt-4 mt-sm-5 mb-3\">Subsidized Loans<\/h3>\n<p>Government pays the interest on behalf of the student while the student is in the deferment period and grace period. Once in repayment, the student is responsible for paying the interest on the loan as well as the principal amount borrowed.<\/p>\n<p>The student\u2019s cost of attendance must exceed his\/her Student Aid Index (SAI) to be eligible for \u201cneed-based\u201d aid (such as grants, scholarships and subsidized loans).<\/p>\n<p>The SAI is based on information collected from the Free Application for Federal Student Aid (FAFSA). The total amount of the subsidized loan combined with other \u201cneed-based\u201d aid cannot exceed the student\u2019s \u201cfinancial need.\u201d<\/p>\n<p>Subsidized loans are available only to undergraduate students.<\/p>\n<h3 id=\"unsubsidized\" class=\"h4 mt-4 mt-sm-5 mb-3\">Unsubsidized Loans<\/h3>\n<p>Government does not pay the interest on behalf of the student. Instead, the borrower is responsible for all the interest that accrues and capitalizes from the time the loan disburses.<\/p>\n<p>Independent students may be eligible for greater unsubsidized amounts than dependent students.<\/p>\n<p>Though it is non-need based aid, the amount of unsubsidized loan combined with other aid cannot exceed the total estimated cost of attendance.<\/p>\n\t\t\t<\/section><\/div>\n\t\t\n\n<section id=\"stafford-eligibility\" class=\"auto-section\" data-section-link-title=\"Eligibility\">\t\t\t<div class=\"container\">\n\t\t\t\t\n<h2 id=\"eligibility\" class=\"mt-4 mt-sm-5 pt-sm-3\">Stafford Loan Eligibility Criteria<\/h2>\n\t\t\t<div class=\"row\">\n\t\t\t\t\n\t\t\t<div class=\" col-lg-6\">\n\t\t\t\t\n<h3 class=\"h4 mt-4 mt-sm-5 mb-3\">Students Must:<\/h3>\n<ul>\n<li>File the FAFSA.<\/li>\n<li>Be a U.S. citizen or eligible non-citizen.<\/li>\n<li>Have a high school diploma or equivalent.<\/li>\n<li>Be fully admitted and meet UCF Admission requirements.<\/li>\n<li>Be classified as degree seeking at UCF in an eligible program.<\/li>\n<li>Enroll for at least half-time at UCF in UCF classes at time of disbursement. For more information regarding half-time enrollment please view our <a href=\"https:\/\/www.ucf.edu\/financial-aid\/resources\/program-eligibility-charts\/\">Program Eligibility Chart<\/a>.<\/li>\n<li>Maintain UCF\u2019s Standards for <a href=\"https:\/\/www.ucf.edu\/financial-aid\/policies\/satisfactory-academic-progress\/\" target=\"_blank\" rel=\"noopener\">Satisfactory Academic Progress (SAP)<\/a>.<\/li>\n<li>Complete all required To-Do List Items.<\/li>\n<li>Complete <a href=\"https:\/\/www.ucf.edu\/financial-aid\/resources\/verification\/\" target=\"_blank\" rel=\"noopener\">verification<\/a> (if selected).<\/li>\n<li>If in receipt of a Federal Stafford Direct Loan during this academic year at another institution, make sure that the remainder of that loan is canceled before applying for a loan at UCF.<\/li>\n<li>Complete the online <a href=\"https:\/\/www.ucf.edu\/financial-aid\/receive\/master-promissory-note\/\" target=\"_blank\" rel=\"noopener\">Master Promissory Note<\/a> if this is your first time borrowing a Federal Direct loan.<\/li>\n<li>Complete the online <a href=\"https:\/\/www.ucf.edu\/financial-aid\/receive\/entrance-exit-counseling\/\">Entrance Counseling<\/a> if this is your first time borrowing a Direct Loan at any school.<\/li>\n<\/ul>\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\" col-lg-6\">\n\t\t\t\t\n<h3 class=\"h4 mt-4 mt-sm-5 mb-3\">Students Cannot:<\/h3>\n<ul>\n<li>Default on any educational loan or owe a repayment on a federal grant at this or any other institution.<\/li>\n<li>Borrow in excess of federal loan limits.<\/li>\n<\/ul>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"card bg-faded border-0 my-4\">\n\t\t\t\t\n\t\t\t<div class=\"card-block p-4 p-sm-5\">\n\t\t\t\t\n<h3 class=\"h4 mb-4\">Transfer Students<\/h3>\n<p>If you were awarded a Federal Stafford Direct Loan during this academic year at another institution, make sure that the remainder of that loan is canceled at your previous school before applying for a loan at UCF.<\/p>\n<p>Receiving financial aid disbursements from another institution within the same academic year may have an impact on your remaining aid eligibility at UCF. The amount of loans received at a previous institution may affect your eligibility to receive loans at UCF.<\/p>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<section class=\"ucf-section ucf-section-general-eligibility-callout mb-4 mb-md-5\">\n\t\t\t\t\t\t\t\t<div class=\"card card-outline-info\">\n\t\t\t\t\n\t\t\t<div class=\"card-block d-flex align-items-start\">\n\t\t\t\t\n<span class=\"lead mr-3 d-flex align-items-start\">\t\t\t<span class=\"fa fa-info-circle text-info\" aria-hidden=\"true\"><\/span>\n\t\t<\/span><br>\n<span>Before you apply for any type of financial assistance, make sure you meet the <a href=\"https:\/\/www.ucf.edu\/financial-aid\/receive\/eligibility\/\">general eligibility requirements<\/a>.<\/span><br>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<\/section>\n\t\t\n\t\t\t<\/div>\n\t\t\n<\/section>\n<section id=\"apply\" class=\"auto-section\" data-section-link-title=\"Apply\">\t\t\t<div class=\"jumbotron jumbotron-fluid bg-primary\">\n\t\t\t\t\n\t\t\t<div class=\"container\">\n\t\t\t\t\n<h2 class=\"h1 font-slab-serif mb-4\">How to Apply for the Federal Stafford Loan<\/h2>\n\t\t\t<div class=\"row\">\n\t\t\t\t\n\t\t\t<div class=\" col-lg-7 col-xl-8\">\n\t\t\t\t\n<ol class=\"section-list icon-list icon-list-numbered\"><li class=\"icon-list-item\">\n\t\t<span class=\"icon-list-bullet icon-list-bullet-number bg-secondary\" aria-hidden=\"true\"><\/span>\n\t\n\t<div class=\"icon-list-item-content\"><p><strong>File the Free Application for Federal Student Aid (FAFSA)<\/strong> for the current aid year. We recommend that you file by the priority deadline of <strong>December 1<\/strong>.<\/p>\n<\/div><\/li><li class=\"icon-list-item\">\n\t\t<span class=\"icon-list-bullet icon-list-bullet-number bg-secondary\" aria-hidden=\"true\"><\/span>\n\t\n\t<div class=\"icon-list-item-content\"><p>After UCF receives the results of the FAFSA from the Federal Processor, we will automatically offer the maximum Federal Direct Stafford Subsidized and Unsubsidized Loan based on your eligibility.<\/p>\n<\/div><\/li><li class=\"icon-list-item\">\n\t\t<span class=\"icon-list-bullet icon-list-bullet-number bg-secondary\" aria-hidden=\"true\"><\/span>\n\t\n\t<div class=\"icon-list-item-content\"><p><strong>Accept, reduce, or decline your offered loan(s)<\/strong> for each term separately on the <a class=\"bg-primary-link\" href=\"https:\/\/my.ucf.edu\/\" target=\"_blank\" rel=\"noopener noreferrer\">myUCF<\/a> View Financial Aid screen by clicking the \u201cAccept\/Decline Awards\u201d button and indicating your selection.<\/p>\n<\/div><\/li><\/ol>\n<p class=\"mb-4 mb-sm-5\">\t\t\t<a class=\"btn btn-secondary btn-lg px-2 px-sm-4\" href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\">\n\t\t\t\tFill out the FAFSA \t\t\t<span class=\"fa fa-external-link\" aria-hidden=\"true\"><\/span>\n\t\t\t\t\t<\/a>\n\t\t\n<\/p><p>If you&#8217;re not ready to apply for federal student aid, but you&#8217;d like to estimate your aid, check out <a class=\"bg-primary-link\" href=\"https:\/\/studentaid.gov\/understand-aid\/estimate\">FAFSA4caster<\/a>. The FAFSA4caster is an early eligibility estimator that can help you plan ahead when it comes to paying for college.<\/p>\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"pl-lg-5 mt-4 mt-lg-0 col-lg-5 col-xl-4\">\n\t\t\t\t\n\t\t\t<div class=\"card border-0 text-center mb-4\">\n\t\t\t\t\n\t\t\t<div class=\"card-block p-5\">\n\t\t\t\t\n<h3 class=\"h6 text-uppercase font-weight-normal letter-spacing-3 mb-4\">UCF School Code:<\/h3>\n<p class=\"h4 mb-0\">003954<\/p>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"card border-0 text-center\">\n\t\t\t\t\n\t\t\t<div class=\"card-block p-5\">\n\t\t\t\t\n<h3 class=\"h6 text-uppercase font-weight-normal letter-spacing-3 mb-4\">UCF&#8217;s Priority Date for FAFSA:<\/h3>\n<p class=\"h4 mb-0\">December 1<\/p>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n<\/section>\n<section id=\"borrowing-limits\" class=\"auto-section\" data-section-link-title=\"Borrowing Limits\">\t\t\t<div class=\"container\">\n\t\t\t\t\n<h2 class=\"mt-4 mt-sm-5 mb-3 pt-sm-3\">Borrowing Limits<\/h2>\n<p class=\"lead\">The total combined amounts a student may borrow in subsidized and unsubsidized Stafford loans may not exceed the <a class=\"js-smoothscroll\" href=\"#annual-loan-limits\">annual loan limits<\/a> or <a class=\"js-smoothscroll\" href=\"#aggregate-limits\">aggregate limits<\/a>, which are specified in federal regulations.<\/p>\n<p>The amount of the subsidized loan combined with other \u201cneed-based\u201d aid cannot exceed the student\u2019s \u201cfinancial need.\u201d The SAI is based on information collected from the Free Application for Federal Student Aid (FAFSA). There is a time limitation on Federal Direct Subsidized loans.<\/p>\n<p>Although the unsubsidized loan is a non-need based aid, the amount of the unsubsidized loan, combined with other aid, cannot exceed the total estimated cost of attendance.<\/p>\n<p>All awards, including accepted Direct Stafford Loans, are subject to change if corrections to your financial aid package are required.<\/p>\n\t\t\t<div class=\"row my-4 my-sm-5\">\n\t\t\t\t\n\t\t\t<div class=\" col-md-6 col-lg-7\">\n\t\t\t\t\n<h3 id=\"annual-loan-limits\" class=\"h4 mb-4\">Annual Limits<\/h3>\n<p>Annual loan limits are determined by class standing (freshman, sophomore, etc.) and dependency status.<\/p>\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"pl-lg-5 mt-4 mt-md-0 col-md-6 col-lg-5\">\n\t\t\t\t\n<table class=\"table table-bordered\">\n<thead class=\"bg-faded\">\n<tr>\n<th>Class Level<\/th>\n<th>Credits Earned<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Freshman<\/td>\n<td>1\u201329<\/td>\n<\/tr>\n<tr>\n<td>Sophomore<\/td>\n<td>30-59<\/td>\n<\/tr>\n<tr>\n<td>Junior<\/td>\n<td>60-89<\/td>\n<\/tr>\n<tr>\n<td>Senior<\/td>\n<td>90-120<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n<h3 class=\"h4 my-4 my-sm-5\">Loan Borrowing Limits Per Academic Year<\/h3>\n\t\t\t<div class=\"row\">\n\t\t\t\t\n\t\t\t<div class=\" col-xl\">\n\t\t\t\t\n<h4 class=\"h5 mb-4\">Fall &amp; Spring Loan Limits<\/h4>\n<h5 class=\"h6 text-uppercase mb-4\">Dependent Students<\/h5>\n<table class=\"table table-responsive table-bordered\">\n<thead class=\"bg-faded\">\n<tr>\n<th>Class Level<\/th>\n<th>Maximum Subsidized<\/th>\n<th>Additional Unsubsidized<\/th>\n<th>Combined Subsidized &amp; Unsubsidized<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Freshman<\/td>\n<td>$3,500<\/td>\n<td>$2,000<\/td>\n<td>$5,500<\/td>\n<\/tr>\n<tr>\n<td>Sophomore<\/td>\n<td>$4,500<\/td>\n<td>$2,000<\/td>\n<td>$6,500<\/td>\n<\/tr>\n<tr>\n<td>Junior\/Senior<\/td>\n<td>$5,500<\/td>\n<td>$2,000<\/td>\n<td>$7,500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h5 class=\"h6 text-uppercase mt-5 mb-4\">Independent Students<\/h5>\n<table class=\"table table-responsive table-bordered\">\n<thead class=\"bg-faded\">\n<tr>\n<th>Class Level<\/th>\n<th>Maximum Subsidized<\/th>\n<th>Additional Unsubsidized<\/th>\n<th>Combined Subsidized &amp; Unsubsidized<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Freshman<\/td>\n<td>$3,500<\/td>\n<td>$6,000<\/td>\n<td>$9,500<\/td>\n<\/tr>\n<tr>\n<td>Sophomore<\/td>\n<td>$4,500<\/td>\n<td>$6,000<\/td>\n<td>$10,500<\/td>\n<\/tr>\n<tr>\n<td>Junior\/Senior<\/td>\n<td>$5,500<\/td>\n<td>$7,000<\/td>\n<td>$12,500<\/td>\n<\/tr>\n<tr>\n<td>Graduate<\/td>\n<td>N\/A<\/td>\n<td>$20,500<\/td>\n<td>$20,500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"hidden-lg-down col-xl-auto\">\n\t\t\t\t\n<hr class=\"hr-vertical\">\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"mt-4 mt-sm-5 mt-xl-0 col-xl\">\n\t\t\t\t\n<h4 class=\"h5 mb-4\">Summer Loan Limits<\/h4>\n<h5 class=\"h6 text-uppercase mb-4\">Dependent Students<\/h5>\n<table class=\"table table-responsive table-bordered\">\n<thead class=\"bg-faded\">\n<tr>\n<th>Class Level<\/th>\n<th>Maximum Subsidized<\/th>\n<th>Additional Unsubsidized<\/th>\n<th>Combined Subsidized &amp; Unsubsidized<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Freshman<\/td>\n<td>$1,750<\/td>\n<td>$1,000<\/td>\n<td>$2,750<\/td>\n<\/tr>\n<tr>\n<td>Sophomore<\/td>\n<td>$2,250<\/td>\n<td>$1,000<\/td>\n<td>$3,250<\/td>\n<\/tr>\n<tr>\n<td>Junior\/Senior<\/td>\n<td>$2,750<\/td>\n<td>$1,000<\/td>\n<td>$3,750<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h5 class=\"h6 text-uppercase mt-5 mb-4\">Independent Students<\/h5>\n<table class=\"table table-responsive table-bordered\">\n<thead class=\"bg-faded\">\n<tr>\n<th>Class Level<\/th>\n<th>Maximum Subsidized<\/th>\n<th>Additional Unsubsidized<\/th>\n<th>Combined Subsidized &amp; Unsubsidized<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Freshman<\/td>\n<td>$1,750<\/td>\n<td>$3,000<\/td>\n<td>$4,750<\/td>\n<\/tr>\n<tr>\n<td>Sophomore<\/td>\n<td>$2,250<\/td>\n<td>$3,000<\/td>\n<td>$5,250<\/td>\n<\/tr>\n<tr>\n<td>Junior\/Senior<\/td>\n<td>$2,750<\/td>\n<td>$3,500<\/td>\n<td>$6,250<\/td>\n<\/tr>\n<tr>\n<td>Graduate<\/td>\n<td>N\/A<\/td>\n<td>$10,250<\/td>\n<td>$10,250<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"alert alert-info\">\n\t\t\t\t\n<p class=\"mb-0\"><strong>NOTE:<\/strong> A dependent student whose parent has been denied a PLUS loan during the current aid year may be eligible to receive Federal Stafford loans at the independent level with proof of PLUS loan denial from the lender. A PLUS loan letter of denial from the lender is only valid for one aid year.<\/p>\n\t\t\t<\/div>\n\t\t\n<h3 id=\"aggregate-limits\" class=\"h4 mt-4 mt-sm-5 mb-3\">Aggregate Limits<\/h3>\n<p>The total amount that a student may borrow for the academic career is called the aggregate limit, which is specified in federal regulations.<\/p>\n<p>Once the aggregate limit has been reached, students are no longer eligible to borrow Federal Stafford loans.<\/p>\n<p>Per federal regulations, a student who exceeds the aggregate loan limit is ineligible to receive any additional federal student loans or federal aid, including the <a href=\"https:\/\/www.ucf.edu\/financial-aid\/types\/grants\/federal-pell\/\" target=\"_blank\" rel=\"noopener\">Federal Pell Grant<\/a>, until the overage is resolved.<\/p>\n\t\t\t<div class=\"row my-4 my-sm-5\">\n\t\t\t\t\n\t\t\t<div class=\"pr-lg-0 col-lg-7\">\n\t\t\t\t\n<h4 class=\"h6 text-uppercase mb-4\">Undergraduate Students<\/h4>\n<table class=\"table table-bordered table-responsive\">\n<thead class=\"bg-faded\">\n<tr>\n<th>Academic Career<\/th>\n<th>Maximum Subsidized<\/th>\n<th>Additional Unsubsidized<\/th>\n<th>Combined Subsidized &amp; Unsubsidized<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Dependent Undergraduate<\/td>\n<td>$23,000<\/td>\n<td>$8,000<\/td>\n<td>$31,000<\/td>\n<\/tr>\n<tr>\n<td>Independent Undergraduate<\/td>\n<td>$23,000<\/td>\n<td>$34,500<\/td>\n<td>$57,500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"hidden-md-down col-lg-1\">\n\t\t\t\t\n<hr class=\"hr-vertical mx-auto\">\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"pl-lg-0 col-lg-4\">\n\t\t\t\t\n<h4 class=\"h6 text-uppercase mb-4\">Graduate Students<\/h4>\n<table class=\"table table-bordered\">\n<thead class=\"bg-faded\">\n<tr>\n<th>Academic Career<\/th>\n<th>Maximum Combined Subsidized &amp; Unsubsidized<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Graduate (includes Undergrad amounts)<\/td>\n<td>$138,500<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"card bg-faded border-0 my-4\">\n\t\t\t\t\n\t\t\t<div class=\"card-block p-4 p-sm-5\">\n\t\t\t\t\n<h3 class=\"h4 mb-3\">Aggregate Checklists<\/h3>\n<p>Students who receive either the Subsidized or Total Aggregate Limit checklist on the To-Do List must log on to the NSLDS web site to review their loan history. NSLDS will only include the running total of disbursed loans and will not include any undisbursed loans.<\/p>\n<p>Students who receive the checklist could either be approaching the Subsidized or Total Aggregate Limit (depending on the checklist) with less than one year remaining in eligibility or potentially have reached the limit.<\/p>\n<p>Students with any aggregate warning status must undergo careful review before the Stafford loan eligibility can be determined. In order for students to be selected for loan eligibility review, loan <a class=\"js-smoothscroll\" href=\"#eligibility\">eligibility criteria must be met<\/a> and students must not do the following:<\/p>\n<ul>\n<li>Default on any educational loan or owe a repayment on a federal grant at this or any other institution.<\/li>\n<li>Borrow in excess of federal Aggregate limits. See the above Total Aggregate Limit chart.<\/li>\n<\/ul>\n<p class=\"mb-0\">Once the loan eligibility has been reviewed, the Aggregate checklist(s) will be removed from the To-Do List.<\/p>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"alert alert-info\">\n\t\t\t\t\n<p class=\"mb-0\"><strong>NOTE:<\/strong> Students who have incomplete required documents on the To-Do List or who are selected with Verification, will not have access to accept loans until all required documentation has been submitted and Verification has been completed.<\/p>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n<\/section>\n<section id=\"info-for-recipients\" class=\"auto-section\" data-section-link-title=\"Information for Recipients\">\t\t\t<div class=\"container mb-5 pb-5\">\n\t\t\t\t\n<h2 class=\"my-4 my-sm-5 pt-sm-3\">Information for Stafford Loan Recipients<\/h2>\n\t\t\t<section class=\"ucf-section ucf-section-disbursement \" data-section-link-title=\"Disbursement\" aria-label=\"Disbursement\">\n\t\t\t\t\t<h3 class=\"h4\">Disbursement of Loan<\/h3>\n<p>Disbursement of financial aid is the process in which financial aid awards (scholarships, grants, loans, etc.) are posted to the student\u2019s account. As this process takes place, students may see changes to their anticipated aid, awards, and charges. <a href=\"https:\/\/www.ucf.edu\/financial-aid\/receive\/disbursement\/\" rel=\"noopener\" target=\"_blank\">Learn more about loan disbursements<\/a>.<\/p>\n\t\t\t\t\t<\/section>\n\t\t\n<h3 class=\"h4 mt-4 mt-sm-5 mb-3\">Loan Adjustment and Reinstatement<\/h3>\n<p>The online <a href=\"https:\/\/www.ucf.edu\/financial-aid\/document\/loan-adjustment-request-form\/\" target=\"_blank\" rel=\"noopener\">Loan Adjustment Request form<\/a> is available at the start of each semester up until the adjustment\/reinstatement deadline. If you would like your loan eligibility reviewed for either an increase or reinstatement, you may submit an online Loan Adjustment Request Form by the following deadlines:<\/p>\n\t\t\t<div class=\"row my-4 mb-sm-5 pt-sm-3\">\n\t\t\t\t\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\" col-lg\">\n\t\t\t\t\n<h4 class=\"h6 text-uppercase mb-4\">2024-2025 Award Year Deadlines<\/h4>\n<table class=\"table table-bordered\">\n<thead class=\"bg-faded\">\n<tr>\n<th>Loan Period<\/th>\n<th>Adjustment \/ Reinstatement Deadline<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Fall 2024<\/td>\n<td>11\/20\/2024<\/td>\n<\/tr>\n<tr>\n<td>Spring 2025<\/td>\n<td>04\/15\/2025<\/td>\n<\/tr>\n<tr>\n<td>Summer 2025<\/td>\n<td>07\/18\/2025<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"hidden-md-down col-lg-auto\">\n\t\t\t\t\n<hr class=\"hr-vertical\">\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"mt-4 mt-lg-0 col-lg\">\n\t\t\t\t\t\t\t<\/div>\n\t\t\n<h4 class=\"h6 text-uppercase mb-4\">2025-2026 Award Year Deadlines<\/h4>\n<table class=\"table table-bordered\">\n<thead class=\"bg-faded\">\n<tr>\n<th>Loan Period<\/th>\n<th>Adjustment \/ Reinstatement Deadline<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Fall 2025<\/td>\n<td>11\/19\/2025<\/td>\n<\/tr>\n<tr>\n<td>Spring 2026<\/td>\n<td>04\/14\/2026<\/td>\n<\/tr>\n<tr>\n<td>Summer 2026<\/td>\n<td><span data-teams=\"true\">07\/17\/2026<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\t\t\t<div class=\"card bg-faded border-0 my-4\">\n\t\t\t\t\n\t\t\t<div class=\"card-block p-4 p-sm-5\">\n\t\t\t\t\n<h3 class=\"h4 mb-3\">Federal Direct Loan Proration for Less Than Full Time Enrollment<\/h3>\n<h4 class=\"mb-4 mb-sm-5 text-danger-aw\">Effective July 1, 2026<\/h4>\n<p>Federal Direct Loan Proration for LessThanFullTime Enrollment (Effective July 1, 2026)<\/p>\n<p><strong>Beginning July 1, 2026<\/strong>, Federal Direct Loans will be adjusted for any student who is enrolled less than fulltime. This federal change affects both new and continuing borrowers.<\/p>\n<p><strong>Under this requirement:<\/strong><\/p>\n<ul>\n<li>Students enrolled below fulltime status will receive reduced loan amounts.<\/li>\n<li>The amount a student can borrow will be adjusted based on the number of credit hours they are taking.<\/li>\n<\/ul>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n<h3 id=\"proration\" class=\"h4 mt-4 mt-sm-5 mb-3\">Proration of Direct Loans for Graduating Seniors<\/h3>\n<p>Federal regulations require schools to prorate the Federal Direct Stafford Loan amount for\u202fgraduating undergraduate students\u202fwhen their final period of enrollment is less than a full academic year.<\/p>\n<p>Graduating seniors who are\u202fonly attending one semester\u202fof the academic year may have their Federal Direct Stafford Loans prorated based on the number of credit hours they are enrolled.<\/p>\n<h4 class=\"h6 text-uppercase mt-4 mt-sm-5\">Loan Proration Formula<\/h4>\n<p>Prorating limits the amount of subsidized\/unsubsidized loans that a graduating senior may borrow for their final semester based on the following formula:<\/p>\n\t\t\t<div class=\"card d-inline-block mb-4\">\n\t\t\t\t\n\t\t\t<div class=\"card-block\">\n\t\t\t\t\n<noscript><img decoding=\"async\" width=\"444\" height=\"70\" class=\" img-fluid wp-image-7682\" src=\"https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/2019\/11\/Capture.png\" alt=\"Actual number of undergraduate credit hours enrolled, divided by the number of credit hours in an academic year (24), times the Annual Federal Direct Stafford loan limit (as determined by class standing)\" srcset=\"https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/Capture.png 444w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/Capture-300x47.png 300w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/Capture-360x57.png 360w\" sizes=\"(max-width: 444px) 100vw, 444px\"><\/noscript><img decoding=\"async\" width=\"444\" height=\"70\" class=\" img-fluid wp-image-7682 lazyload\" src=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%20444%2070%22%3E%3C%2Fsvg%3E\" alt=\"Actual number of undergraduate credit hours enrolled, divided by the number of credit hours in an academic year (24), times the Annual Federal Direct Stafford loan limit (as determined by class standing)\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%22http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%22%20viewBox%3D%220%200%20444%2070%22%3E%3C%2Fsvg%3E 444w\" sizes=\"(max-width: 444px) 100vw, 444px\" data-srcset=\"https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/Capture.png 444w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/Capture-300x47.png 300w, https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/sites\/2\/2019\/11\/Capture-360x57.png 360w\" data-src=\"https:\/\/www.ucf.edu\/financial-aid\/wp-content\/uploads\/2019\/11\/Capture.png\"><br>\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n<p>Offered loans are initially calculated based on a\u202fprojected full-time\u202fcost of attendance for the fall and spring semesters.<\/p>\n<p>After the Drop\/Swap\/Add period, Federal Direct Stafford loans are recalculated and prorated based on the student\u2019s\u202factual\u202fenrollment. Note that the actual loan amount may be also impacted by the student\u2019s total aggregate loan limit.<\/p>\n<p>Private and Federal Direct PLUS (Parent Loan for Dependent Students) loans may be available to supplement the student\u2019s expenses.<\/p>\n<h4 class=\"h6 text-uppercase mt-4 mt-sm-5\">Exceptions<\/h4>\n<p>Loan proration requirements do not apply to graduate or professional certificate students.<\/p>\n\t\t\t<\/div>\n\t\t\n<\/section>\n\t\t\t<section class=\"ucf-section ucf-section-cta-bar-apply-types-receive \">\n\t\t\t\t\t\t\t\t<div class=\"jumbotron jumbotron-fluid bg-primary my-0 text-center\">\n\t\t\t\t\n\t\t\t<div class=\"container\">\n\t\t\t\t\n\t\t\t<div class=\"row\">\n\t\t\t\t\n\t\t\t<div class=\"mt-4 mt-md-0 col-md-4\">\n\t\t\t\t\n\t\t\t<a class=\"d-inline-block text-decoration-none hover-parent\" href=\"https:\/\/www.ucf.edu\/financial-aid\/apply\/\">\n\t\t\t\t\n<div>\t\t\t<span class=\"fa fa-5x fa-pencil-square-o text-secondary hover-child-text-white mb-2\" aria-hidden=\"true\"><\/span>\n\t\t<\/div>\n<div>\t\t\t<span class=\"badge badge-pill badge-inverse px-3 mb-2 text-center\">\n\t\t\t\tApply for Aid\t\t\t<\/span>\n\t\t<\/div>\n<div class=\"text-secondary pt-2 font-italic font-slab-serif\">Start the process of applying for financial aid.<\/div>\n\t\t\t<\/a>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"mt-4 mt-md-0 col-md-4\">\n\t\t\t\t\n\t\t\t<a class=\"d-inline-block text-decoration-none hover-parent\" href=\"https:\/\/www.ucf.edu\/financial-aid\/types\/\">\n\t\t\t\t\n<div>\t\t\t<span class=\"fa fa-5x fa-list-ul text-secondary hover-child-text-white mb-2\" aria-hidden=\"true\"><\/span>\n\t\t<\/div>\n<div>\t\t\t<span class=\"badge badge-pill badge-inverse px-3 mb-2 text-center\">\n\t\t\t\tTypes of Aid\t\t\t<\/span>\n\t\t<\/div>\n<div class=\"text-secondary pt-2 font-italic font-slab-serif\">Learn more about the different types of aid.<\/div>\n\t\t\t<\/a>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<div class=\"mt-4 mt-md-0 col-md-4\">\n\t\t\t\t\n\t\t\t<a class=\"d-inline-block text-decoration-none hover-parent\" href=\"https:\/\/www.ucf.edu\/financial-aid\/receive\/\">\n\t\t\t\t\n<div>\t\t\t<span class=\"fa fa-5x fa-usd text-secondary hover-child-text-white mb-2\" aria-hidden=\"true\"><\/span>\n\t\t<\/div>\n<div>\t\t\t<span class=\"badge badge-pill badge-inverse px-3 mb-2 text-center\">\n\t\t\t\tReceive Aid\t\t\t<\/span>\n\t\t<\/div>\n<div class=\"text-secondary pt-2 font-italic font-slab-serif\">Ready to receive your aid? Follow these steps.<\/div>\n\t\t\t<\/a>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t<\/div>\n\t\t\n\t\t\t\t\t<\/section>\n\t\t\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"parent":6609,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-fullscreen.php","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-6655","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Federal Direct Stafford Loan | UCF Office of Student Financial Assistance<\/title>\n<meta name=\"description\" content=\"The Federal Stafford Loan is a non-credit based student loan for undergraduate &amp; graduate students. 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