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Subsidized Student Loan

Students may be awarded both subsidized and unsubsidized loans based on Expected Family Contribution (EFC) calculated by the federal government from FAFSA information.

Federal Direct Stafford Subsidized Loans do not accrue interest while a student is in school at least half time (six undergraduate credits or 4.5 graduate credits) or during any periods of deferment. The federal government subsidizes—or pays—the interest during these periods.  It is always in your best interest to borrow what you need since you will be paying these loans back when you graduate or no longer enrolled half time. 


Interest Rates and Origination Fees


  • Loans after July 1, 2024: 6.53%
  • Loans after July 1, 2023: 5.50%
  • Loans after July 1, 2022: 4.99%
  • Loans after July 1, 2021: 3.73%


  • Oct. 1, 2020-Sept. 30, 2022: 1.057%
  • Oct. 1, 2019–Sept. 30, 2020: 1.059%
  • Oct. 1, 2018–Sept. 30, 2019: 1.062%
  • Oct. 1, 2017–Sept. 30, 2018: 1.066%

Origination fees are automatically deducted upon disbursement by the U.S. Department of Education. For specific information on grace, deferment and repayment, visit the loan repayment page.

Borrowing Limits

Student loans have annual amount limits based on the number of credits a student has earned. The actual amount may be less depending on the student’s financial resources (other aid awarded) and cost of attendance.

Student LevelDependentIndependent
Sub and Unsub MaximumsTotalSub and Unsub MaximumsTotal
First year
(1-29 credits)
$3,500 Sub
$2,000 Unsub
$5500$3,500 Sub
$6,000 Unsub
Second year
(30-59 credits)
$6500$4,500 Sub
$6,000 Unsub
Third year and beyond
(60+ credits)
$7500$5,500 Sub
$7,000 Unsub
Aggregate Borrowing Limit$23,000 Subsidized$31,000$23,000 Subsidized$57,500



Subsidized Loan Processing

  • To be considered for the loan, students must file the FAFSA.
  • Students must accept the Federal Direct Stafford Subsidized Loan (referred to as a subsidized loan) on TitanWeb.
  • In order to receive the loan, students must complete Entrance Loan Counseling and the Master Promissory Note (MPN). Learn more
  • Loans cannot be disbursed unless the loan counseling and MPN are completed.

Information for Fall Graduates

In accordance with federal regulation, 34 CFR 682.204 (a), (d), your student loans must be adjusted to reflect your enrollment for your final term of study if you were not enrolled in summer term. This regulation requires the school to prorate your student loan(s) based on the number of credits you are enrolled in at the time of disbursement. Proration is done by dividing your maximum student loan eligibility for fall semester. If your loans must be prorated, you will be contacted by our office.

Hours and Location

Dempsey Hall, Room 104
Walk-In Hours:
Mondays and Fridays
8:00 a.m.–4:00 p.m.
Tuesday, Wednesday, Thursday
10:00 a.m. - 3:00 p.m.
Schedule an appointment with your fiancial aid Counselor
Office Hours: 8 a.m.–4:30 p.m.

Mailing Address

Financial Aid Office
UW Oshkosh
800 Algoma Blvd.
Oshkosh, WI 54901

Contact Us
 (920) 424-3377
Fax: (920) 424-0284