CU Boulder participates in the Federal William D. Ford Direct Loan program (known as Direct or Stafford Loans). The lender is the U.S. Department of Education rather than a bank or other financial institution. There are two types of Federal Direct Loans available for undergraduate students:
- Subsidized loans are need-based and do not have interest accruing while you are in school or in deferment.
- Unsubsidized loans may or may not be based on financial need and interest accrues while you are in school or in deferment.
Loan Features
- Loan origination fee for both loans is 1.057%.
- Repayment begins 6 months after you graduate, drop below half time, or withdraw. Learn more about managing repayment of your student loans.
- Subsidized loans have a time-in-college loan limit.
- Students graduating in December will have their Direct Loans pro-rated for fall. View pro-rated loan amounts below Undergraduate Students Who Are Graduating.
- Loans must be processed by our office by the last day the student is enrolled in at least 6 credit hours.
Fixed Interest Rates
| Date of First Disbursement | Subsidized | Unsubsidized |
|---|---|---|
| 7/1/23 - 6/30/24 | 5.49% | 5.49% |
| 7/1/22 - 6/30/23 | 4.99% | 4.99% |
| 7/1/21 - 6/30/22 | 3.73% | 3.73% |