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Undergraduate Student Loans
The Federal Stafford Student Loan
Through the Federal Stafford Loan program matriculated dependent students enrolled at least half-time may borrow a maximum of $5,500 for their freshman year, $6,500 for their sophomore year, and up to $7,500 for both their junior and senior years. Students apply by completing the Free Application for Federal Student Aid (FAFSA), indicating that they are willing to accept financial aid in the form of a loan. There are two types of Federal Stafford Loans:
Federal Parent Loan for Undergraduate Students (PLUS)
Parents of matriculated, dependent, undergraduate students enrolled at least half-time and making satisfactory academic progress towards a degree or certificate may borrow up to the cost of education from the federal government. Parents must be citizens or eligible non-citizens of the United States and pass a financial credit check. The PLUS loan, when added to other financial aid and/or resources, may not exceed the total cost of education for that academic year. To request a PLUS loan, the parent(s) must complete the Rowan University PLUS loan application, which is available at the Rowan Office of Financial Aid. These are 7.9% fixed interest loans.
Federal Parent PLUS loans can be deferred. For more information please visit our Frequently Asked Questions page.