Stafford (Direct) Mortgage. The processing of government Stafford financing at MSU will alter for many pupils in autumn 2021.


Underneath the new strategy, your annual amount borrowed are available throughout fall, springtime and summertime academic season.

Simple tips to use

The Stafford application for the loan is actually a three-step processes. Should you not finish all three measures, your loan will not be prepared.

Taking the loan

Be sure to set aside a second to watch this videos which will show you how to accept a Stafford loan.

Differences when considering subsidized and unsubsidized financing


The federal government will pay the interest on a subsidized mortgage as the scholar is during school at least half-time. Following the scholar falls below half-time or leaves college, interest will begin to accrue. Students should get in touch with her national mortgage servicer to find out more.


Interest really does accrue on an unsubsidized financing when you are in school. You are likely to decide to spend interest during college to avoid “paying interest on interest” (capitalizing interest).


Start July 1, 2013, the Stafford loan rate of interest differs annually with a max rates of 8.25per cent for undergraduates and 9.5percent for grad children. The interest rate for undergraduate Stafford financial loans disbursed on or after July 1, 2020 is actually 2.75percent. The rate of interest for scholar Stafford financial loans disbursed on or after July 1, 2020 are 4.30per cent.

Loan fees

Stafford financial loans disbursed on or after October 1, 2020 call for a 1.057per cent origination cost and that is settled during disbursement. Therefore, 98.943% of gross amount borrowed are going to be paid towards scholar membership.

Payment and combination

As soon as you close graduation (or drop below half-time), you’re going to be provided info on financing payment and consolidation. This is described as leave counseling (or “the leave interview”). For additional information, discover all of our page on mortgage payment.

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