tulips_560
study_handface_560
560-4
twostu_hand_560
Financial Aid: Keeping USF Affordable
Financial Aid: Understanding the Cost of Tuition

Education Loans

If you think you may need additional funds to cover the full cost of your education, consider applying for a federal or private education loan. But before you sign on the dotted line, investigate your options.

Education loans are available in three categories:

Student Loans

Federal government loans are a low, fixed interest option for undergraduate and graduate students to supplement the cost of their education.

  • No credit check or cosigner required on subsidized or unsubsidized loans
  • Flexible repayment plans
  • In-school deferment of payment

PLUS Loans

Federal PLUS loans are a credit-based, fixed interest option for graduate students and parents of dependent undergraduate students.

  • Flexible repayment plans
  • Federally insured

Private Loans

Private loans are typically used only when federal student or parent loans, grants and scholarships will not cover the total cost of your education.

  • Variable and fixed interest rate options
  • May require credit check and cosigner
  • In-school deferment of payment