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Kent State students who complete the will be considered for Federal Direct Loans based on grade level at the time financial aid awards are made.

  • The Federal is awarded to eligible undergraduate students who demonstrate financial need.
    • Interest will not accrue while you’re enrolled in school or during your six-month grace period.
  • The Federal is awarded to eligible students who do not demonstrate financial need.
    • Interest will accrue on unsubsidized loans while you are in school.
    • Any accrued interest will be capitalized when your loan enters repayment.
  • Federal , for graduate students and parents, are not based on financial need, but a credit check is required.
    • Plus Loans are considered unsubsidized and interest will accrue while you're in school. 
  • You must be enrolled at least half time (6 credit hours for undergraduate students and 4 credit hours for graduate students) and meet all other compliance requirements for the loan funds to be credited to your student account.
    • If the funds cause a credit balance on your student account, the university will issue a refund.

In order for the loan funds to apply to your student account, you must sign in to your  account and take action on your offered loans.

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