Learn About Federal Direct Loans
If you’re looking into Direct Subsidized or Unsubsidized Loans, the best place to start is the official Federal Student Aid website. It’s full of up-to-date info, helpful guides, and tools to help you manage your loans.
What's New: Interest Rates for 2025–2026
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Undergraduate Subsidized & Unsubsidized Loans: 6.39%
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Graduate & Professional Unsubsidized Loans: 7.94%
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PLUS Loans (for parents & grads): 8.94%
Let’s keep it simple—here’s what you’ll want to do next:
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Start with FAFSA to see how much aid you’re eligible for.
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If you're a new borrower at A&M-Victoria, you’ll need to complete Entrance Counseling (about 20–30 minutes) and sign the Electronic Master Promissory Note (MPN)—both are done online at studentaid.gov.
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Once you graduate, withdraw, or drop below half-time, you’ll be asked to finish Exit Counseling on the same site to learn about repayment.
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You can cancel all or part of your loan—just contact us within 14 days of your disbursement notice, and we’ll walk you through the process.