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Federal Loans

Contact Financial Aid

Phone: 800-888-8682
Live phone support is available Monday–Friday, 8 a.m.–8 p.m. ET.

Urgent Requests:
Jay Tinsley, Assistant Vice President of Counseling, Financial Aid
Phone: 844-399-8682

Find important information on borrowing federal private student loans to finance your education.

Federal student loans are government-backed, or guaranteed. They are low-cost, fixed-rate loans that may be subsidized (based on need) or unsubsidized (not based on need). Subsidized loans begin to accrue (accumulate) interest when repayment begins (six months after you leave school or your attendance drops below half-time), while unsubsidized loans begin to accrue interest as soon as the loan is fully disbursed. Award amounts are based on grade year classifications and vary each year.

Students must be enrolled at least half-time to be eligible for a direct loan disbursement.

Half-time status at University of Maryland Global Campus is defined differently depending on your program:

  • Undergraduate (6 credits)
  • Graduate (6 credits)
  • MBA or Executive MBA (3 credits)
  • Doctorate (3 credits)
  • AMBA 600 is considered a half-time course

Initial awards are based on the assumption that you will be enrolled half-time; awards may be adjusted if you enroll for more or less credits.

If you do not accept your loans, they will be cancelled 30 days after being awarded or after the start of the term, whichever is later.

Awards will be adjusted on the following schedule (to match your current enrollment):

  • Summer semester: June and August
  • Fall semester: September and December
  • Winter semester: March
  • Spring semester: February and May

Note: Please contact our office if you add classes after the review dates listed above to determine if you are eligible for additional financial aid funds.

About Federal Loans for Higher Learning

Repaying Your Student Loan

Repaying your student loan is not an obligation to be taken lightly. It could affect your future financial health. Understand your options and responsibilities.

Student Loan Ombudsman

If you are interested in contacting the Student Loan Ombudsman, please see the information below.

Telephone: 877-557-2575
Fax: 606-396-4821
FSA Ombudsman Group
P.O. Box 1843
Monticello, KY 42633

For Washington State residents seeking information and resources about student loan repayment or seeking to submit a complaint relating to your student loans or student loan servicer, please visit the Washington Student Achievement Council's Student Loan Advocacy page or contact the Student Loan Advocate.

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