The University of North Florida participates in the Federal Direct Loan Program for students and parents. An error-free FAFSA is required for each academic year a student wishes to borrow a Direct Loan. All students (undergraduate, post baccalaureate, and graduate levels) must enroll in a minimum of six degree-applicable credit hours and be in an eligible Satisfactory Academic Progress status in order to receive a Direct Loan disbursement. Non-degree seeking students are not eligible to borrow Direct Loans.
Frequently Asked Questions
Direct Loans are federally insured, low-interest education loans for students and parents. These include the Direct Subsidized Loan, the Direct Unsubsidized Loan, the Direct Parent PLUS Loan, and the Direct Grad PLUS Loan program for graduate and professional students.
You must file an error-free FAFSA application for each academic year you wish to borrow a Direct Loan. UNF's academic year begins in fall and ends after summer. If you indicate on the FAFSA that you are interested in student loans, UNF will offer any loan you qualify for as part of your financial aid award (available via myWings). Students must log in to myWings to accept an offered loan in order for it to be processed and to use that loan to defer institutional charges. Visit UNF's Loan Instructions website for step-by-step guidance.
After you have accepted a loan, you may need to complete two additional steps:
- Complete Loan Entrance Counseling.
- E-sign a Master Promissory Note.
For full information on completing these two requirements, visit UNF's Loan Instructions website.
If you have borrowed a Federal Direct Loan at any time you will be required to complete Exit Counseling under the following circumstances:
- completely withdraw from a term/semester ("W" grades for all classes)
- unofficially withdraw from a term/semester (any combination of "Withdraw", "F", "Incomplete", or "Not Reported" grades for all classes)
- enroll less than half-time in a term/semester (less than six degree-applicable credit hours)
- withdraw or drop below half-time enrollment
- do not enroll in a term/semester
Exit Counseling is mandatory and provides important information you need to prepare to repay your federal student loans. Failure to complete Exit Counseling may prevent disbursement of future term financial aid, and or release of transcripts and diplomas.
Your Direct Loan will be serviced by the U.S. Department of Education. You will receive correspondence regarding repayment information from the U.S. Department of Education. For more information regarding loan repayment, visit UNF's Loan Repayment website or the Federal Student Aid website.