CampusPin Glossary
Subsidized Direct Loan
A federal student loan for undergraduates with demonstrated need. The government pays the interest while the student is in school.
Subsidized Direct Loans are federal loans for undergraduates with demonstrated financial need (per FAFSA). The U.S. Department of Education pays the interest while the student is enrolled at least half-time, during the 6-month grace period after graduation, and during deferment periods. Annual limits range from $3,500 (first year) to $5,500 (third year and beyond). The interest rate is fixed each July; for 2025–2026 undergraduate Direct Subsidized loans it is approximately 6.53 %.
See also
Unsubsidized Direct Loan
A federal student loan available regardless of need. Interest accrues from the moment the loan is disbursed.
FAFSA
The Free Application for Federal Student Aid — the U.S. government form every undergraduate must file to access federal grants, loans, and work-study.
Federal Work-Study
A federal program that funds part-time on-campus or community-service jobs for students with financial need.
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