ºÚÁÏÉç

To receive aid, including Federal Stafford Loans, a student must meet the following eligibility requirements:

• Must be a student enrolled or accepted for enrollment in an eligible programme at an eligible institution.
• Must have a high school diploma or equivalent.
• Must be enrolled at least half-time for the period for which the loan is originated.
• Must comply with the University's satisfactory academic progress policy (SAP).
• Must not be convicted of possessing or selling illegal drugs while receiving financial aid.
• Must complete the Free Application for Federal Student Aid (FAFSA) for each year of study.
• Must not be in default on an educational loan and must not owe a repayment on an adjusted federal grant

You cannot receive Federal Stafford Loans if you attend any of the following:

• Any distance or blended learning programmes
• Any diploma programmes
• Any certificate programmes
• In most cases where your programme includes a period of study in the US. (This may be considered where a written agreement between the University of ºÚÁÏÉç and an eligible host institution inside the United States is made, for no more than 25% of a student’s programme is in place. Please contact us for more information)
• Study Abroad with a school that is not approved for Title IV (Federal) Aid. (This may be considered where a written agreement between the University of ºÚÁÏÉç and host institution outside of the United States for no more than 25% of a student’s programme is in place. Please contact us for more information)
• You are a distance learner (not attending on campus)
• You are part-time (under 50% working)

The following University of ºÚÁÏÉç programs are ineligible for Federal Stafford Loans: 

• all medical programmes
• all nursing programmes
• all PGCE programmes

If you do want to study any programme which is ineligible for Federal Stafford Loans, please note that there are , for U.S. citizens that could fund these programs. 

The One Big Beautiful Bill Act (OBBBA) (also known as the ‘The Act’) was signed into US law in July 2025. This has made significant changes in the Federal student loan programmes as a part of the shifts in fiscal policy. While there are no changes to Federal student loans for the 2025–26 academic year, changes in the legislation from 1st July 2026 will affect all new starters from the 2026-27 academic year.  

Important disclaimer: The information contained on this page is provided by University of ºÚÁÏÉç financial aid staff to make students aware to the changing landscape of federal student loan programmes. While it is based on our good faith understanding of the evolving federal standards, it is not official guidance and should not be regarded by students as definitive. Students should refer to federal governmental sources for official guidance. .

Before completing a Federal loan application, you will need to determine whether you are a student as this will determine which loan types and amounts you are eligible to borrow.

If you received US federal loans with us before 1 July 2026 and are continuing to study with us:

1. You are eligible to continue borrowing the same loan types for up to:

• Three more academic years, or
• Until you finish your programme, whichever comes first.

Your annual and lifetime stay the same as they were before 1 July 2026.

Please note: 

Changing your programme may impact your loan limits and mean switching the new loan regulations.

If you do not complete your programme by the advertised end date, you may lose legacy status for any remaining study periods. 

2. Less than full time enrollment

If you study less than full time (but still at least 50%):

• Your Cost of Attendance (CoA) will be reduced,
• But your annual and lifetime stay the same as before 1 July 2026.

Please note:

ANY student less than 50% part-time is not eligible for Direct loans and will need to investigate Private loans.

3. Check your eligibility

To see if you are still eligible for the current loan rules, check you are still (Loan Limits/Loan Limits Exception).

If you’re a student starting a new course with us on or after the 1st July 2026:

1. You can only use the new loan types

Please see the new loan types and amounts in the summary table below.

2. Your loan limits (Undergraduate only)

Your annual and lifetime (aggregate) are the same as they were before 1 July 2026.

3. Your loan limits (Postgraduate only)

• Your annual remain the same as before 1 July 2026.
• Your lifetime (aggregate) are reduced compared to the legacy scheme. This aggregate loan limit won’t include loans received for UG study.

4. Less than full time enrollment

If you study less than full time (but still at least 50%):

• Your Cost of Attendance (CoA) will be reduced,
• Your annual and lifetime loan limits will also be reduced,
• The reduction is proportional to your level of enrolment.

Example: If you study at 50% intensity, your maximum loan amounts are also reduced to 50%.

• ANY student less than 50% part-time is not eligible for Direct loans and will need to investigate Private loans.

5. Parent PLUS Loans (Undergraduate only)

If your parent applies for a Direct Parent PLUS Loan, their borrowing eligibility will be reduced starting 1 July 2026.

Once they reach their new limit, they cannot borrow additional Parent PLUS Loans.

Students and parents can learn about .

6. Graduate PLUS Loans (Postgraduate only)

You are no longer eligible to apply for Direct Graduate PLUS Loans.

Additional:

• If you were a student borrower and all of your loans were disbursed before July 1, 2026, and you don’t plan to receive new loans on or after July 1, 2026, then there are no changes to the for you, since you don’t intend to receive more loans. If you do decide that you need more aid or you choose to consolidate your loans, you should carefully review the section about .
• A Parent PLUS loan borrower must meet the same citizenship and residency requirements as the student. The parent must not owe a refund on a Federal student financial aid grant or be in default on a Federal student loan.
• A credit check is conducted when your parent begins the loan application process. Undergraduates whose parents do not qualify for a PLUS loan have the option to borrow from a Private loan lender.
• PLUS loans are the financial responsibility of the parents and not the student.

1. Annual loan limit - The maximum loan amount you can borrow each academic year.
2. Aggregate loan limit - The maximum total amount you can owe at any time on all your Subsidised and Unsubsidised loans for Undergraduate or Graduate study, excluding any interest that has been added to the loan balance.
3. Lifetime maximum loan limit - The maximum you can receive, regardless of amounts paid or discharged, in any combination of loans other than Parent PLUS or Grad PLUS loans.

• For the latest information on interest rates and fees, please see the website.
• You are not required to pay the interest on this loan while at university but we recommend that you do. You will be charged interest starting at disbursement until it is paid in full. If the interest accumulates, it will be added to the principal amount of the loan and increase the amount to be repaid.
• Repayment begins on the date of the last disbursement of the loan and the first payment is due within 60 days after the date the loan is fully disbursed. A Graduate PLUS borrower may receive a deferment while he or she is enrolled on at least a half-time basis (50% or more) at an eligible school. Upon dropping to less than half-time enrolment status, the borrower is not entitled to a grace period on their PLUS loans.

As a foreign school, the University of ºÚÁÏÉç is eligible to originate loan applications for Federal Stafford Loans.

Full information on these loans can be found at 

Federal Stafford Subsidised Loan

A Federal Stafford Subsidised Loan is awarded based on financial need. The U.S. government pays interest on a subsidised loan while you are enrolled at university at least half-time and during deferment periods. Federal Stafford Subsidised loans for Undergraduate students will have an interest rate of 6.39% (from disbursements between 1st July 2025 until 1st July 2026).

Federal Stafford Unsubsidised Loans

A Federal Stafford Unsubsidised loan is awarded regardless of need. The interest rate for Stafford Unsubsidised loans is fixed at 6.39% for Undergraduate borrowers and 7.94% for Graduate borrowers (from disbursements between 1st July 2025 until 1st July 2026).

You are not required to pay the interest on this loan while at university but we recommend that you do. You will be charged interest starting at disbursement until it is paid in full. If the interest accumulates, it will be added to the principal amount of the loan and increase the amount to be repaid.

Fees: Origination fees of 1.057% will be deducted from the gross amount of the Stafford Direct Sub/Unsub Loans you borrow, so you may wish to take this into consideration when determining the amount you need to borrow.

Federal Stafford Parent PLUS Loan

Parents of dependent Undergraduate students can borrow a Federal Stafford Parent PLUS Loan to help pay for educational expenses at the university.

Parents can borrow up to the total Estimated Cost of Attendance minus all other sources of financial aid their student receives.

PLUS loans are the financial responsibility of the parents and not the student.

A Parent PLUS loan borrower must meet the same citizenship and residency requirements as the student. The parent must not owe a refund on a Federal student financial aid grant or be in default on a Federal student loan.

A credit check is conducted when your parent begins the loan application process. Undergraduates whose parents do not qualify for a PLUS loan have the option to borrow from a Private loan lender.

The interest rate is fixed at 8.94% (from disbursements between 1st July 2025 until 1st July 2026) and repayment begins within 60 days after your loan is fully disbursed and lasts ten years.

Fees: Origination fees for Direct Parent PLUS loans are set at 4.228%.

Federal Stafford Graduate PLUS Loan

The Federal Direct Graduate PLUS Loan is a Federal loan that Graduate students with good credit histories may borrow to help pay their educational expenses.

A Graduate student may borrow up to the total Cost of Attendance less all other financial aid received by the student.

They also must have applied for their annual loan maximum eligibility under the Federal Unsubsidised Stafford Loan Program before applying for a Graduate/Professional PLUS loan.

The interest rate is fixed at 8.94% (from disbursements between 1st July 2025 until 1st July 2026) and repayment begins within 60 days after your loan is fully disbursed and lasts ten years.

Fees: Origination fees for Direct Graduate PLUS loans are set at 4.228% 

Repayment begins on the date of the last disbursement of the loan and the first payment is due within 60 days after the date the loan is fully disbursed. A Graduate PLUS borrower may receive a deferment while he or she is enrolled on at least a half-time basis at an eligible school. Upon dropping to less than half-time enrolment status, the borrower is not entitled to a grace period on his or her PLUS loans.

The amount in Federal Stafford Direct Loan funds that you are eligible to borrow each academic year is limited by your grade level; whether you are a dependant or an independant student; your financial need; and your cost of attendance.

You cannot borrow more than your financial need or the cost of attendance.

The following annual and aggregate loan limits apply to Federal Stafford Loans:

Undergraduate Dependant Students

Undergraduate Independant Students

Postgraduate Students

Stafford Loan Aggregate Loan Limits

Federal Stafford Subsidised and Unsubsidised Loans are available to eligible students who complete the Free Application for Federal Student Aid on the Web.This Federal student aid is made available through the William D. Ford Federal Stafford Loan Program to help pay for educational expenses.

For undergraduate students Stafford Subsidised or Stafford Unsubsidised Loan, or a combination of both loans, are based on your financial need.

The information you report on your FAFSA is used to determine your Expected Family Contribution (EFC), which is a calculated formula that allows the University to determine your financial need. To determine your financial need, your EFC is subtracted from your cost of attendance (COA) for need based awards. The University will also deduct any other aid paid to you or on your behalf for educational expenses. This is referred to as Estimated Financial Assistance (EFA).

Each academic year, the university establishes standard student budgets that use cost of attendance (COA) estimates for awarding financial aid funds.

The budgets reflect typical student expenses and consist of two basic components:

• Direct educational costs - tuition, fees, books and supplies
• Indirect (maintenance) costs - accommodation, board and travel

While your costs may vary depending on where you stay, we expect your cost of attendance to be in line with our estimates. 

Cost of attendance

Your cost of attendance is calculated by the University having standard maximum costs and using attendance of 52 weeks for postgraduate research courses, 45 weeks for postgraduate taught course, and 31 weeks for undergraduate courses. 

Tuition fees will be included in your Cost of Attendance and will be set at the actual amount you are required to pay. For this reason, we ask you to share with us details of any scholarship you will be receiving. 

We would not allow you to borrow over the calculated cost of attendance unless there are exceptional circumstances. If you believe the costs relating to your education are significantly higher than those we have estimated, you may contact The Student Funding Team to review those costs. You will be required to provide documentary evidence in support of this and may be asked to justify the additional cost. Any additional support will be subject to University review and approval. 

1. Complete your FAFSA

The first step in applying for a US Federal Stafford Loan is to complete a FAFSA (). The Federal School Code for The University of ºÚÁÏÉç is G09442. To apply electronically, you must have a FSA ID. 

2. Student Information Form - Please complete and sign the University of ºÚÁÏÉç Student Information form.

Once you have submitted your FAFSA and completed the Student Information Form (SIF), please share a copy of your SIF by email to usloanfunding@exeter.ac.uk

3. Student Aid Report is generated

Once your FAFSA is completed and processed, it will generate a Student Aid Report (SAR). This is used by the University to determine your eligibility for a loan as stipulated by the U.S. Department of Education.

4. Complete your Entrance Counselling

Except for parent Stafford PLUS Loan borrowers, if you have not previously received a loan, you must complete entrance counselling before we can process your loan. This helps you understand your responsibilities regarding your loan. You can

5. Award Letter is sent to you

After we receive your SAR and the entrance counselling is complete, we will send you an Award Notification Letter. This letter details the amount of loans you may be eligible for based on criteria such as your Cost of Attendance, your year of study, your financial need and other assistance (for example, bursaries or scholarships).

You must sign and return the Award Notification letter before any loans can be set up and disbursed.

6. Complete your Master Promissory Note (MPN).

Once you have accepted and returned your Award Notification letter, you can complete the applicable ). The MPN is a legal document between you and the US Department of Education: It explains the terms and conditions of your loans.

The MPN is a binding legal document which lists the terms and conditions under which you agree to repay the loan and explains your rights and responsibilities as a borrower. It is important to read and save your MPN because you’ll need to refer to it later when you begin repaying your loan or when you need information about provisions of the loan, such as deferments or forbearances.

*PLEASE NOTE – There are separate MPN’s for the Subsidised/Unsubsidised and Plus loans*:

For the Subsidised/Unsubsidised loans, the two references you provide must have different addresses to each other; however ONE address can be the same as you.

For the Grad/Parent Plus, the two references you provide must have different addresses to each other AND different from you (so THREE different addresses in total).

The disbursement dates for Federal Aid loans will vary depending on your level of study.

The actual amount in GBP (£) you receive will vary depending on the exchange rate from USD ($) to GBP (£) at the time of disbursement.

The following dates are when the Stafford Direct loan monies are received by the University for your tuition and accommodation fees (if applicable) or when you can expect the funds to your bank account if you are paying the fees yourself. The payment will be processed by Convera on our behalf. Any refund from your loan disbursement will be sent by Convera on the dates mentioned below (US bank accounts can take a little longer to arrive).

Undergraduate (UG):

21st October 2026

3rd February 2027

Postgraduate Taught (PGT):

21st October 2026

3rd February 2027

16th June 2027

Postgraduate Research (PGR):

21st October 2026

23rd March 2027

We can only disburse your loans if:

• You are making Satisfactory Academic Progress (SAP) on your programme.
• You are enrolled at least part time (50% or more)
• You are studying in person, on campus, or are attending an agreed placement at a UK institution that is eligible to administer US loans.
• You have not violated any federal compliance regulations (repayment default, fraud, drugs)

With each disbursement, you will receive a disclosure statement outlining the dates and amounts you are due to receive in USD and instructions on what to do should you choose to cancel or reduce the loans.

If you do not give notice in advance that you no longer require the loan disbursement, then you will be responsible for all interest charges and repayment as per your Master Promissory Note(s) (MPN).

You must be registered with the University for a loan to be disbursed, therefore you should have sufficient funds available to cover your immediate living costs while your loan disbursements are pending.

How your loan funds will be received

We will receive your loan proceeds and apply the funds to your student account to offset any tuition or University accommodation charges applicable for that payment period.

Convera will return any surplus proceeds of your loan as a refund direct to your bank account in GBP (£) or USD ($), depending on the information you have provided, on behalf of the University.

Convera will contact you with a password protected email asking you to add your bank details onto the Convera online portal. This account will be used for any applicable refund of US loan funds only.

Convera will confirm the amount you can expect by email. 

If your loan disbursement is not enough to cover the charges for that period, there will be no refund to you and you will need to arrange to pay any outstanding balance. You can view your online statement via MyºÚÁÏÉç to view the amounts received and amounts still due.   

How much money you will get?

The US DoE will deduct an origination fee from each loan disbursement from both subsidised, unsubsidised loans and PLUS loans. The disclosure statement we send you details the origination fee and the amount you can expect to receive.

The University or Convera will not charge any fee or commission for processing your loan, so the money received by you is exactly what the University/Convera received in GBP (£).

We will deduct tuition fees and your University owned accommodation charges (if due) for the payment period from each disbursement. Please note, if you have a private rental agreement with an agency or landlord outside of the University, it will be your responsibility to pay the accommodation charges

Any credit balance is paid directly into your bank account you shared with Convera.

Fee instalments and paying the remainder of your fees

Your tuition fees will be split into instalments equal to the number of loan disbursements you are due to receive (UG/PGR – 2 installments, PGT – 3 installments), with corresponding due dates.

When your loan disbursements are received, they will be allocated to your tuition and University accommodation fee instalments before the remainder is refunded to you, unless you request otherwise.

If your loan disbursements do not cover your fees in full, you will need to pay the remainder of your fees. Please ensure you check your student statement regularly after a loan disbursement to see if anything is still due.

Entrance Counselling

If you are a new or a returning student starting a new course with us, before your loan application can be completed, you must complete .

This ensures that you understand the terms and conditions of your loan and your rights and responsibilities. You only need to do this for the first year of any new course.  

Exit Counselling

Before you withdraw, graduate, or drop below half-time attendance (regardless if you plan to transfer to another school), regulations require that you complete an session for your Stafford Direct Subsidised and Unsubsidised Loans.

The counselling session provides information about how to manage your student loans. This counselling complies with all Federal Exit Counselling requirements.

SATISFACTORY ACADEMIC PROGRESS (SAP) POLICY

We are required by US federal law to define and enforce standards of Satisfactory Academic Progress (SAP).

The SAP policy applies to all students taking Federal aid loans with the University, specifically Direct Subsidised, Direct Unsubsidised, Grad Plus and Parent Plus loans.

Satisfactory Academic progress will need to be met before disbursements 2 (all study levels) & 3 (PGT students only) of loan funding can be released and is measured by Qualitative and Quantitative standards.

If a student fails to meet SAP, then the Student Funding Team will reach out to individual students and advise what the next steps will be:

• providing details of warning
• and probation status.

Full details of the SAP process and the procedures to be followed if a student fails to meet SAP are detailed within the Satisfactory Academic Progress Policy.

Return of Title IV funds

If you receive financial aid and then withdraw or interrupt from your course, or drop below the half-time enrolment requirement, the University must determine whether any of the money you have received in Title IV funds must be returned to the US Federal Aid Programme.

The amount of Title IV programme assistance that you have earnt up to the point of your withdrawal/ interruption is determined by a specific formula using worksheets and software provided by the US Department of Education.

You may be required to pay back some or all of the money received from the Direct Loans. The University may also have to repay funds to the US Department of Education, and when this happens, we may raise an invoice and request payment from you. 

The student funding team will reach out to any student in receipt of US Federal loans following a notification of interruption or withdrawal with guidance on what the next steps will be.

Details on how a withdrawal or interruption may affect your loan disbursements, how we calculate the amount of funds to be returned and what happens when you return to your studies are can be found within our Return of Title IV funds Policy

Definitions:

Interruptions

An interruption in a student's program of study in the context of Title IV funds refers to the specific period during a program when a student is not in attendance and will return to complete the program. 

Official Withdrawal

A “withdrawal” refers to a student’s intent to completely terminate studies at the University with no expectation of return. Students who subsequently decide to return to their studies must re-apply for admission through the University’s Admissions Office.

Unofficial Withdrawal

An unofficial withdrawal is one where the University has not received notice from the student that the student has ceased or will cease attending their program of studies at the University.

If you withdraw or interrupt from your programme you must inform the Student Funding Team by e-mail (usloanfunding@exeter.ac.uk) and complete the University interruption or withdrawal request form. You can obtain the request form from the Faculty Hub desks.

It is a requirement of the University to complete a return of Title IV calculation to determine if any portion of the loans you have received up to the point of your interruption or withdrawal will need to be paid back to the US Department of Education. The Student Funding Team will notify you by email if any funds need to be returned, and how this will be actioned.

Please view our Return of Title IV funds Policy for further details.

The University policy for Interruptions and Withdrawals can be found in the

The University of ºÚÁÏÉç is approved to administer VA funding to our registered students; however, each individual programme needs to be approved by VA.  

Where a programme is not already approved, we will make a request to VA. While this request is being processed and until the course has been approved, no funding can be processed.

If you are looking to join the University and would like to use your VA benefits to pay your tuition fees, we ask you contact as early as possible with your certificate of eligibility and details of the course you will be undertaking. We can then start the programme approval process (if applicable) ahead of the new academic year.     

While we await programme approval, we would advise students not to be reliant on these VA funds to cover your daily expenses..  

Once the programme is approved, we will confirm the tuition fees due and your attendance to VA on a termly basis. This will then trigger the release of a tuition fee payment to the University, and maintenance payment to you (if applicable).

This VA webpage may be helpful for information on receiving  On this page you can also check which programmes are already approved with VA. 

If you would like to use your VA benefits to pay for tuition, please contact the Student Funding Team via the Student Information Desk and provide us with a copy of your certificate of eligibility. 

Online and Distance Learning programmes: 

VA has confirmed that online and distance learning programmes are not eligible for VA benefits.  

VA regulations require programmes approved at a foreign school be offered in residence and on campus. Programmes that are fully online or delivered via distance learning are not approvable.   

Please note that VA payments are received in USD and converted to GBP at the daily exchange rate. These funds will be applied to your student account to reduce any outstanding University charges. 

If your VA funding does not cover the full balance, you will be responsible for paying the remaining amount. 

The University is unable to request additional funds beyond the advertised tuition fees to account for exchange rate changes. 

Private loans may be an option if you’re studying a Medical, Nursing, or PGCE (teacher training) programme or if you are a Distance Learner. They can also be considered if you’ve already used your Direct Loan entitlement or are no longer eligible for adequate Direct Loans following the .  

The university cannot recommend specific loan providers, but we’ve listed those we currently work with below. We recommend doing your own research to find the option that best suits your needs.

• Sallie Mae
• Earnest loans
• Prodigy Finance  

have general information on private loans which may be helpful.  

What is a 529 Plan?

A 529 plan is a tax-advantaged savings plan designed to encourage saving for future college costs. Legally known as 'Qualified Tuition Plans', they are sponsored by States and are authorised by section 529 of the IRS code. 

How can I use my 529 Plan?

If you have a 529 Plan, you may be eligible to use this to support your studies at the University of ºÚÁÏÉç. Please contact your plan administrator to check this. Should you need it, the University Title IV approved school code is G09442.

Please forward any forms that need completing by us to the Student Funding Team usloanfunding@exeter.ac.uk.

529 plan payments are normally made to the plan holder for them to then pay the University. Details for how to make payments to the University can be found here - Making a Payment.

As a student in receipt of a Canadian loan, if you have an OSAP/ British Columbia/ Alberta form you would like us to complete, please email the form to the Student Funding team at usloanfunding@exeter.ac.uk. Please remember to complete all your required fields first.

• Completion/Graduation Rates

You can find information on progression rates, qualifications and graduate survey data via the . Our regulatory body, the , provides information and reports on the teaching, learning and outcomes for our students and our course provision at ºÚÁÏÉç.

• Crime rates: For information on crime rates across our campuses, please follow these links: 
  •   
  •  and 
  •  and 

For full and independent details of all campus crime, go to  or  and enter the school’s postcode or the postcode of your residence.

• Withdrawals: Please see out financial regulations for information on and the University refund policy.

• Loan  repayment: For the latest information on Loan Terms and Repayment Schedules, please visit the Federal aid site:  and 

• Academic Programmes available at The University of ºÚÁÏÉç can be found on our webpages:  Postgraduate Taught, Postgraduate Research and 

• Degree accreditation: The University of ºÚÁÏÉç is recognised as a higher learning institution degree-awarding body as listed by the

• Freedom of information. The University Freedom of information policy is shared here. 

• How to contact us: Students and parents can contact us via the Student Information desk.

• Disability support: Information on the support and services avaliable can be found our disability support pages.

We can provide information and support for students with disabilities. Information about the service, including contact details and their policies, can be found on our webpage.

• Code of conduct for staff dealing with Education loans.  

To prevent a conflict of interest with the responsibilities of an agent with respect to education loans, all staff at the University with responsibility for Federal and private education loans from the USA are prohibited from:-

• • Revenue-sharing arrangements with any lender
  • Receiving gifts from a lender, a guarantor, or a loan servicer
  • Contracting arrangements providing financial benefit from any lender or affiliate of a lender
  • Directing borrowers to specific lenders or refusing or delaying loan certifications
  • Offers of funds for private loans
  • Call centre or financial aid office staffing assistance
  • Advisory board compensation

• Private loans: The University does not recommend any private lender, however to our knowledge there are limited private lenders that makes loans available to US citizens receiving their degree at a foreign school.

Further information on private loans, can be found on webpages, however we would encourage lenders to complete their own research into lenders. 

• Vaccination policy

The UK or University do not require routine vaccinations before entering the country. We would advise reviewing the for the latest recommendations for international students before beginning your studies in the UK.

Prospective students should check with their local medical practitioner to ensure that their vaccinations are current, and for up-to-date information relevant to the UK.

• Net Price Calculator: The net price of your tuition fees is the price stated on the Table of Fees and within our offer letter. 

• National Student Loan Data System (NSLDS) is the national database of information about loans and grants awarded to students under Title IV of the Higher Education Act (HEA) of 1965. Students should contact for details of loan history. 

The details of all disbursed Direct Subsidized, Unsubsidized and Graduate/Parent PLUS Loans will be submitted to the National Student Loan Data System (NSLDS), which is maintained by the US Department of Education. This information will be accessible to guarantee agencies, lenders, and schools, determined by the US Dept. of Education to be authorised users of the data system.

Enrollment information will be shared by the University to the NSLDS portal. 

• Entrance and Exit Counselling for Student Loan Borrowers

Prior to any origination of Stafford Direct Loans, applicants (where applicable) are required to complete which is conducted through the StudentAid.gov website. The counselling procedure contains information about the rights and responsibilities of students and schools under Title IV, HEA (Higher Education Act 1965) loan programs.

provides important information to prepare the student to repay their federal student loan(s).

Students who have received a Stafford Subsidised, Unsubsidised or Parent/Graduate PLUS loan under the Stafford Direct Loan Program, must complete Exit Counselling on the StudentAid.gov website each time they drop below half-time enrolment, graduate, or leave school. This counselling complies with all Federal Exit Counselling requirements.

Federal Copyright law does not apply in the UK; however, the UK is covered by its own Copyright law (the Copyright, Designs and Patents Act 1988) of similar standing, enforcement and penalties. This can be found at the .

• Privacy of Student Records

Please see the University policy on how student information is stored-  and  policy

The Federal Family Education Rights and Privacy Act (FERPA) and Gramm-Leach Bliley (GLB) Act does not apply within the UK. However, the UK Government has similar legislation designed to protect personal data called the  and the  (as amended).

• Student Loan Information Published by .