Unsubsidized Stafford Loan Program

The Federal Direct Unsubsidized Stafford loans are federal student loans offered by the U.S. Department of Education for eligible students to help cover the cost of higher education.

Unsubsidized Stafford loans are available to undergraduate and graduate students, regardless of financial need. Interest accrual begins at the point of disbursement.

Interest rates for unsubsidized loans are fixed and there is an origination fee deducted from the funds prior to receipt at the university. Specific information on the current interest rates and origination fees are available at

Annual Loan Limits
Graduate or Professional Annual Loan Limit $20,500 (unsubsidized only)

Loans cannot exceed the cost of attendance less other financial aid.


Maximum Total Debt from Stafford Loans When You Graduate (aggregate loan limits)
Graduate and Professional Degree Students $138,500—No more than $65,500 of this amount may be in subsidized loans. The graduate debt limit includes Stafford Loans received for undergraduate study.


PLUS Loans

PLUS loans are federal loans provided by the U.S. Department of Education that graduate or professional degree students can use to help pay education expenses. To be eligible, borrowers must apply online at and be approved. The maximum loan amount is the student’s cost of attendance minus other aid.

The PLUS loan must be applied for each year the student wishes to borrow. Additional information is available at

Alternative Loans

Alternative loans are private loans that are not part of the federal financial aid program. Interest rates and fees vary greatly and may depend on the borrower’s credit-worthiness. Generally, students are required to have a co-signer. Loan amounts cannot exceed the cost of attendance less other financial aid.

Try ELMSelect to view and compare lenders that have provided private loans to George Fox students in the past. While these resources will help you make an informed decision about the most appropriate loan for you, please note that you are not required to select a lender on this list. You can also visit for helpful tips on how to choose a student loan lender.