If you’re an undergraduate or graduate student, you can apply for a Federal Direct Loan regardless of financial need or credit history. To apply for a Federal Direct Loan, you must file your FAFSA each year and meet the eligibility requirements:
- You must be enrolled at least half time.
- Undergraduate half time: six credit hours
- Graduate half time: four credit hours
- You must be a U.S. citizen or national, a U.S. permanent resident, or an eligible noncitizen.