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Apply Now for Federal Stafford, and Plus Loans


The Federal loan process is unavailable from Friday, October 9th at 11:30 PM EDT until Monday, October 12th 6:00 AM EDT for routine maintenance.



HESAA allows both undergraduate and graduate students and their parents to apply online for a variety of loans. We insure Federal student loans (Stafford, PLUS, Graduate PLUS) through the Federal Family Education Loan Program (FFELP).


Federal Stafford Loan
Federal Stafford - There are two types of Federal Stafford Loans, subsidized and unsubsidized. If you qualified for a subsidized (need-based) Federal Stafford Loan, the federal government pays the interest on the loan while you are enrolled in school at least half time, in deferment, or in a grace period. However, if you borrow an unsubsidized (non-need-based) Stafford Loan, you are responsible for the interest during in-school, deferment, and grace periods. The interest rate is fixed at 6.8%. All other provisions of the two loans are identical unless otherwise noted.


HESAA allows both undergraduate and graduate students and their parents to apply online for a variety of loans. We insure Federal student loans (Stafford, PLUS, Graduate PLUS) through the Federal Family Education Loan Program (FFELP).


Federal PLUS Loans
Federal PLUS - Federal PLUS Loans are available to parents to pay for the educational expenses of financially dependent undergraduate students. These loans may be used to supplement Federal Stafford Loans. The interest rate is fixed at 8.50%.

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