Federal Direct Subsidized and Unsubsidized Loans

Federal Direct Subsidized and Unsubsidized student loans are issued through the Federal Direct Loan program from the U.S. Department of Education. 

Subsidized and Unsubsidized loans are low-interest loans for students to help pay for the cost of higher education after high school. Federal student loans can help fill the gap between grants or scholarships and the cost to attend school. You are not required to accept any loans and we will not process the loans unless you accept them. Loans are available to both dependent and independent students. Keep in mind that student loans must be repaid.

You can manage your Federal loan history on studentaid.govOpens in new window , where you will have a single point of contact and online access to your Direct Loan account information. Once you graduate, withdraw from school or you cease half-time enrollment you will begin a six-month grace period and then begin repayment. There are several repayment plansOpens in new window to choose from once you are in repayment.

Note: All Credential students are required to enrolled in 6 units for the loan to disburse.

Eligibility Requirements

  1. Submit your Free Application for Federal Student Aid (FAFSA) and other supporting documents, if required.

  2. Must be a citizen or eligible non-citizen (permanent resident) of the United States.

  3. You must be enrolled or accepted for enrollment in a degree, certificate or professional program.

  4. Your enrollment status must be at least half-time, (the equivalent of 6 units).

Subsidized Loan

  1. Student must have financial need - as determined by your FAFSA application

  2. Maximum loan eligibility is based on grade level and financial need as determined by your FAFSA application

  3. Federal government pays interest on your behalf for the first six months after you leave school (referred to as a grace periodOpens in new window ), and during a period of defermentOpens in new window (a postponement of loan payments).

  4. Repayment begins at the end of the 6 months grace period

  5. Interest Rate is fixed

Unsubsidized Loan

  1. Not need based

  2. Federal government does not pay interest

  3. Interest rate is fixed

  4. No obligation to make payments while enrolled at least half-time

  5. Interest accrues and capitalized during periods of enrollment in school and/or in deferment

Interest Rates and Loan Fees

Interest rates are adjusted by Congress annually, with a new rate taking effect each July 1st. Although the interest rate for new loans may change each July 1, the rate received will be fixed for the life of the loan.  In addition to the interest rate, Direct Loans charges an origination fee on all Stafford loans, which is deducted from your loan funds at the time of disbursement.

Please check the student aid website Opens in new window for interest rates and loan fees for current and past years.

How to Accept and Decline Loans

  1. Log into your CSUF Portal

  2. Click on Titan Online

  3. Click on Student Homepage

  4. Click on Financial Aid tile and ensure you are in the correct aid year (top left)

  5. Click on Accept/Decline tab on the left side under Awards

  6. Click on the pencil icon to edit Award Decision

  7. Click on the drop-down menu for the loan under Award Decision column then select Accept or Decline

      • To accept a smaller loan amount, check the Reduce box then enter the new loan amount in the Accepted column

  8. Review then click on Submit button to finalize your loan decision

  9. Complete both the Loan Entrance CounselingOpens in new window and the Loan Master Promissory Note (MPN) Opens in new window on Federal Student Aid


Please note: typically, accepted loan amount will be split in half: you will receive half for fall term and the other half will be reserved for spring term.  For example, if you accept a loan amount of $2,000 - you will receive $1,000 for fall term and $1,000 for spring term.  


There are limits on the amount in loans that you may be eligible to receive as a credential (annual loan limits) and the total amounts you may borrow for your undergraduate credential program of study (aggregate loan limits).  The actual loan amount you are eligible to receive each academic year may be less than the annual loan limit. These limits vary depending on your grade level and your dependency status.

  Dependent Students* Independent Students*

Academic Year

Subsidized  Unsubsidized   Combined Subsidized Unsubsidized Combined

Teaching Credential

$5,500 N/A $5,500 $5,500 $7,000 $12,500
Aggregate Limits

Aggregate Limits

Subsidized Only Subsidized and
Unsubsidized Combined
Undergraduate - Dependent  $23,000 $31,000
Undergraduate - Independent  $23,000 $57,500

Federal Loan Servicers

You may find your loan servicer by logging into the Federal Student Aid website Opens in new window using your federal ID and password. If you forgot your ID or password, you may indicate so on the site, and you will be directed to enter your email to re-set and gain access to your information. If you have any general questions, please feel free to contact the Office of Financial Aid Opens in new window .