For these loans, interest is paid by the federal government during eligible in-school, grace and deferment periods. The subsidized loan does not accrue interest while the student is enrolled at least half-time. There is a six (6) month grace period after graduation or dropping below half-time before repayment is required.

The Federal Direct Subsidized Loan is not available for graduate and professional students.

Deadline: Apply during the current academic year

Application: Must have completed the Free Application for Federal Student Aid (FAFSA) and the Federal Direct Loan Application/Master Promissory Note

First-time borrowers at KU Medical Center must complete the online entrance counseling.

Interest Rates and Origination Fees: View current rates.

Does the subsidized loan have to be repaid? Yes. Repayment begins 6 months after graduation or dropping below half time.

Award Maximum: Depends on grade level, program and need. See annual and aggregate loan limits for more information.

Need based: Yes

Enrollment: Must be enrolled at least half-time. For specific details on undergraduate and graduate enrollment please read KU Medical Center's enrollment information.

Please note: The overall amount that graduate and professional students can borrow remains unchanged.

For more information please contact Student Financial Aid at 913-588-5170 or email financialaid@kumc.edu.