Stafford (Direct) Financing. The processing of Federal Stafford financing at MSU can change for many college students in trip 2021.


In latest approach, your annual amount borrowed might be offered while in the fall, spring and summer scholastic season.

How to pertain

The Stafford loan application is actually a three-step techniques. If you don’t conclude all three strategies, the loan may not be prepared.

Taking your loan

Be sure to take a moment to view this videos which will show you how to simply accept a Stafford loan.

Differences when considering subsidized and unsubsidized financing


The us government will pay the interest on a subsidized loan whilst college student is during school at least half-time. After the pupil drops below half-time or leaves school, interest will start to accrue. Youngsters should get in touch with their own federal loan servicer to learn more.


Interest does accrue on an unsubsidized mortgage while you’re in school. You could decide to pay interest during college to prevent “paying interest on interest” (capitalizing interest).

Interest rates

Start July 1, 2013, the Stafford loan interest differs annually with a max rate of 8.25% for undergraduates and 9.5per cent for graduate people. The rate of interest for undergraduate Stafford financing disbursed on or after July 1, 2020 try 2.75per cent. The interest rate for scholar Stafford debts paid on or after July 1, 2020 is actually 4.30%.

Mortgage costs

Stafford loans disbursed on or after October 1, 2020 need a 1.057% origination cost which is settled during the time of disbursement. Hence, 98.943% in the gross loan amount will be disbursed your scholar account.

Repayment and integration

Once you nearby graduation (or drop below half-time), you will be given information about financing payment and integration. This will be also known as exit sessions (or “the leave interview”). To learn more, see all of our webpage on loan payment.

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