Loans Types

Direct Loans are funded by the U.S. Department of Education (DOE). Repayment of Direct Loan funds begins six months after the student graduates or ceases enrollment at least half-time. There are two types of Direct Loans offered at SF State University:

  • Subsidized
  • Unsubsidized

The Parent PLUS loan is a Federally funded loan from the U.S. Department of Education for Parents or Step-Parents of Undergraduate students who are considered a Dependent student (Ages 23 or younger).

The Graduate PLUS Loan is a Federally funded loan from the U.S. Department of Education for Graduate students who must be accepted and enrolled in a Master's degree program.

Alternative Loans are offered by banks or lending institutions to assist students in bridging the gap between college costs and traditional funding sources.