{"id":871,"date":"2025-04-15T14:09:17","date_gmt":"2025-04-15T14:09:17","guid":{"rendered":"https:\/\/umaine.edu\/sfs\/?page_id=871"},"modified":"2026-03-27T22:36:49","modified_gmt":"2026-03-27T22:36:49","slug":"loan","status":"publish","type":"page","link":"https:\/\/umaine.edu\/sfs\/loan\/","title":{"rendered":"Loan Programs"},"content":{"rendered":"<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id871_f5e62c-f6{margin-top:-20px;}.kb-row-layout-id871_f5e62c-f6 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id871_f5e62c-f6 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id871_f5e62c-f6 > .kt-row-column-wrap{column-gap:0px;row-gap:var(--global-kb-gap-md, 2rem);padding-top:75px;padding-bottom:75px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id871_f5e62c-f6{background-image:linear-gradient(130deg,rgb(8,46,88) 22%,rgb(65,118,161) 69%);}.kb-row-layout-id871_f5e62c-f6 > .kt-row-layout-overlay{opacity:0.00;background:linear-gradient(222deg,rgb(65,118,161) 0%,rgb(8,46,88) 100%);mix-blend-mode:darken;}@media all and (max-width: 1024px){.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id871_f5e62c-f6{margin-top:-20px;}}@media all and (max-width: 1024px){.kb-row-layout-id871_f5e62c-f6 > .kt-row-column-wrap{padding-top:65px;padding-bottom:65px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id871_f5e62c-f6{margin-top:-20px;}.kb-row-layout-id871_f5e62c-f6 > .kt-row-column-wrap{padding-top:0px;padding-right:25px;padding-bottom:25px;padding-left:25px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id871_f5e62c-f6 alignfull kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column871_065e76-ac > .kt-inside-inner-col,.kadence-column871_065e76-ac > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_065e76-ac > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_065e76-ac > .kt-inside-inner-col{flex-direction:column;}.kadence-column871_065e76-ac > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column871_065e76-ac > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_065e76-ac{position:relative;}@media all and (max-width: 1024px){.kadence-column871_065e76-ac > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column871_065e76-ac > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_065e76-ac\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id871_2997a4-58 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id871_2997a4-58 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id871_2997a4-58 > .kt-row-column-wrap{column-gap:80px;row-gap:var(--global-kb-gap-md, 2rem);grid-template-columns:minmax(0, calc(50% - ((80px * 1 )\/2)))minmax(0, calc(50% - ((80px * 1 )\/2)));}.kb-row-layout-id871_2997a4-58 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id871_2997a4-58 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id871_2997a4-58 > .kt-row-column-wrap{padding-top:25px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id871_2997a4-58 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column871_dd63c3-ad > .kt-inside-inner-col{display:flex;}.kadence-column871_dd63c3-ad > .kt-inside-inner-col{padding-right:75px;padding-left:150px;}.kadence-column871_dd63c3-ad > .kt-inside-inner-col,.kadence-column871_dd63c3-ad > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_dd63c3-ad > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_dd63c3-ad > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column871_dd63c3-ad > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column871_dd63c3-ad > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column871_dd63c3-ad > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column871_dd63c3-ad{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_dd63c3-ad{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_dd63c3-ad > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column871_dd63c3-ad > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_dd63c3-ad{position:relative;}@media all and (max-width: 1024px){.kadence-column871_dd63c3-ad > .kt-inside-inner-col{padding-right:35px;padding-left:35px;flex-direction:column;justify-content:center;align-items:flex-start;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column871_dd63c3-ad{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_dd63c3-ad{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_dd63c3-ad > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column871_dd63c3-ad > .kt-inside-inner-col{padding-top:35px;padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;align-items:center;}.kt-row-column-wrap > .kadence-column871_dd63c3-ad{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_dd63c3-ad{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_dd63c3-ad > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_dd63c3-ad\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_c0629b-f8, .wp-block-kadence-advancedheading.kt-adv-heading871_c0629b-f8[data-kb-block=\"kb-adv-heading871_c0629b-f8\"]{margin-top:0px;font-size:45px;font-weight:900;font-style:normal;font-family:stratum-1-web;text-transform:uppercase;}.wp-block-kadence-advancedheading.kt-adv-heading871_c0629b-f8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_c0629b-f8[data-kb-block=\"kb-adv-heading871_c0629b-f8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_c0629b-f8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_c0629b-f8[data-kb-block=\"kb-adv-heading871_c0629b-f8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_c0629b-f8, .wp-block-kadence-advancedheading.kt-adv-heading871_c0629b-f8[data-kb-block=\"kb-adv-heading871_c0629b-f8\"]{margin-top:-25px;text-align:center!important;}}<\/style>\n<h2 class=\"kt-adv-heading871_c0629b-f8 wp-block-kadence-advancedheading has-white-color has-text-color\" data-kb-block=\"kb-adv-heading871_c0629b-f8\">Loan Programs<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_3408c2-57, .wp-block-kadence-advancedheading.kt-adv-heading871_3408c2-57[data-kb-block=\"kb-adv-heading871_3408c2-57\"]{margin-top:0px;font-size:20px;line-height:32px;font-weight:400;font-style:normal;font-family:Fraunces;}.wp-block-kadence-advancedheading.kt-adv-heading871_3408c2-57 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_3408c2-57[data-kb-block=\"kb-adv-heading871_3408c2-57\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_3408c2-57 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_3408c2-57[data-kb-block=\"kb-adv-heading871_3408c2-57\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_3408c2-57, .wp-block-kadence-advancedheading.kt-adv-heading871_3408c2-57[data-kb-block=\"kb-adv-heading871_3408c2-57\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_3408c2-57 wp-block-kadence-advancedheading has-white-color has-text-color\" data-kb-block=\"kb-adv-heading871_3408c2-57\" data-aos=\"fade\" data-aos-duration=\"1200\" data-aos-once=\"true\">There are a variety of loan programs available to help finance your college education. Before applying for any loan, evaluate each loan program carefully to choose the loan program and repayment terms that best meets your needs. <\/p>\n\n\n<style>.kb-row-layout-id871_2f2fde-6d > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id871_2f2fde-6d > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id871_2f2fde-6d > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id871_2f2fde-6d{background-color:rgba(0,50,99,0);}.kb-row-layout-id871_2f2fde-6d > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id871_2f2fde-6d > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id871_2f2fde-6d > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id871_2f2fde-6d alignnone kt-row-has-bg um-UMBHClearWhiteOutlineButton wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column871_cd4924-5f > .kt-inside-inner-col,.kadence-column871_cd4924-5f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_cd4924-5f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_cd4924-5f > .kt-inside-inner-col{flex-direction:column;}.kadence-column871_cd4924-5f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column871_cd4924-5f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_cd4924-5f{position:relative;}@media all and (max-width: 1024px){.kadence-column871_cd4924-5f > .kt-inside-inner-col{display:flex;flex-direction:column;justify-content:center;align-items:flex-start;}}@media all and (max-width: 767px){.kadence-column871_cd4924-5f > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_cd4924-5f\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedbtn.kt-btns871_32cf1f-d9, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_32cf1f-d9, .wp-block-kadence-advancedbtn.kb-btns871_32cf1f-d9, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_32cf1f-d9{margin-top:25px;margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_32cf1f-d9{gap:25px;justify-content:flex-start;align-items:center;}.kt-btns871_32cf1f-d9 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kt-btns871_32cf1f-d9, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_32cf1f-d9, .wp-block-kadence-advancedbtn.kb-btns871_32cf1f-d9, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_32cf1f-d9{margin-bottom:0px;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns871_32cf1f-d9{padding-right:50px;padding-left:50px;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns871_32cf1f-d9{padding-right:25px;padding-left:25px;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns871_32cf1f-d9\"><style>.wp-block-kadence-advancedbtn .kb-btn871_7a5b31-c0.kb-button{color:#ffffff;font-size:16px;font-family:'Chakra Petch';font-weight:600;text-transform:uppercase;border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;border-top:2px solid #ffffff;border-right:2px solid #ffffff;border-bottom:2px solid #ffffff;border-left:2px solid #ffffff;margin-bottom:0px;}.wp-block-kadence-advancedbtn .kb-btn871_7a5b31-c0.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_7a5b31-c0.kb-button:focus{color:#003263;background:#79bde8;border-top-color:#79bde8;border-top-style:solid;border-right-color:#79bde8;border-right-style:solid;border-bottom-color:#79bde8;border-bottom-style:solid;border-left-color:#79bde8;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_7a5b31-c0.kb-button{border-top:2px solid #ffffff;border-right:2px solid #ffffff;border-bottom:2px solid #ffffff;border-left:2px solid #ffffff;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_7a5b31-c0.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_7a5b31-c0.kb-button:focus{border-top-color:#79bde8;border-top-style:solid;border-right-color:#79bde8;border-right-style:solid;border-bottom-color:#79bde8;border-bottom-style:solid;border-left-color:#79bde8;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn871_7a5b31-c0.kb-button{border-top:2px solid #ffffff;border-right:2px solid #ffffff;border-bottom:2px solid #ffffff;border-left:2px solid #ffffff;}.wp-block-kadence-advancedbtn .kb-btn871_7a5b31-c0.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_7a5b31-c0.kb-button:focus{border-top-color:#79bde8;border-top-style:solid;border-right-color:#79bde8;border-right-style:solid;border-bottom-color:#79bde8;border-bottom-style:solid;border-left-color:#79bde8;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn871_7a5b31-c0 kt-btn-size-standard kt-btn-width-type-fixed kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/umaine.edu\/sfs\/obbba\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\"><strong>Changes to loan programs under the one big beautiful bill act<\/strong><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n\n<style>.kadence-column871_30920c-13 > .kt-inside-inner-col{display:flex;}.kadence-column871_30920c-13 > .kt-inside-inner-col{padding-top:40px;padding-right:50px;padding-bottom:50px;padding-left:70px;}.kadence-column871_30920c-13 > .kt-inside-inner-col,.kadence-column871_30920c-13 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_30920c-13 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_30920c-13 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column871_30920c-13 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column871_30920c-13 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column871_30920c-13 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column871_30920c-13{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_30920c-13{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_30920c-13 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column871_30920c-13 > .kt-inside-inner-col{background-color:#ffffff;}.kadence-column871_30920c-13 > .kt-inside-inner-col:before{opacity:0.5;}.kadence-column871_30920c-13{position:relative;}.kadence-column871_30920c-13, .kt-inside-inner-col > .kadence-column871_30920c-13:not(.specificity){margin-right:150px;}@media all and (max-width: 1024px){.kadence-column871_30920c-13 > .kt-inside-inner-col{padding-right:50px;padding-left:50px;flex-direction:column;justify-content:center;align-items:flex-start;}}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column871_30920c-13{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_30920c-13{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_30920c-13 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column871_30920c-13, .kt-inside-inner-col > .kadence-column871_30920c-13:not(.specificity){margin-right:35px;margin-left:35px;}}@media all and (max-width: 767px){.kadence-column871_30920c-13 > .kt-inside-inner-col{padding-top:25px;padding-right:25px;padding-bottom:45px;padding-left:25px;flex-direction:column;justify-content:center;align-items:center;}.kt-row-column-wrap > .kadence-column871_30920c-13{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_30920c-13{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_30920c-13 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column871_30920c-13, .kt-inside-inner-col > .kadence-column871_30920c-13:not(.specificity){margin-right:-25px;margin-bottom:-25px;margin-left:-25px;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_30920c-13 kb-section-dir-vertical\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id871_6f800d-7e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id871_6f800d-7e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id871_6f800d-7e > .kt-row-column-wrap{column-gap:40px;padding-top:10px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id871_6f800d-7e > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id871_6f800d-7e > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id871_6f800d-7e > .kt-row-column-wrap{padding-right:50px;padding-left:50px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id871_6f800d-7e alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column871_5b0a3d-2d > .kt-inside-inner-col{display:flex;}.kadence-column871_5b0a3d-2d > .kt-inside-inner-col,.kadence-column871_5b0a3d-2d > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_5b0a3d-2d > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_5b0a3d-2d > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;align-items:center;}.kadence-column871_5b0a3d-2d > .kt-inside-inner-col > *, .kadence-column871_5b0a3d-2d > .kt-inside-inner-col > figure.wp-block-image, .kadence-column871_5b0a3d-2d > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column871_5b0a3d-2d > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}.kadence-column871_5b0a3d-2d > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_5b0a3d-2d{position:relative;}@media all and (max-width: 1024px){.kadence-column871_5b0a3d-2d > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;align-items:center;}}@media all and (min-width: 768px) and (max-width: 1024px){.kadence-column871_5b0a3d-2d > .kt-inside-inner-col > *, .kadence-column871_5b0a3d-2d > .kt-inside-inner-col > figure.wp-block-image, .kadence-column871_5b0a3d-2d > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column871_5b0a3d-2d > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}}@media all and (max-width: 767px){.kadence-column871_5b0a3d-2d > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;justify-content:flex-start;}.kadence-column871_5b0a3d-2d > .kt-inside-inner-col > *, .kadence-column871_5b0a3d-2d > .kt-inside-inner-col > figure.wp-block-image, .kadence-column871_5b0a3d-2d > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column871_5b0a3d-2d > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_5b0a3d-2d kb-section-dir-horizontal\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_97969a-ca, .wp-block-kadence-advancedheading.kt-adv-heading871_97969a-ca[data-kb-block=\"kb-adv-heading871_97969a-ca\"]{padding-right:0px;padding-left:0px;margin-bottom:0px;text-align:left;font-size:16px;line-height:1.3em;font-weight:700;font-style:normal;font-family:'Chakra Petch';text-transform:uppercase;}.wp-block-kadence-advancedheading.kt-adv-heading871_97969a-ca[data-kb-block=\"kb-adv-heading871_97969a-ca\"]{display:flex;gap:0.25em;justify-content:left;align-items:start;}.wp-block-kadence-advancedheading.kt-adv-heading871_97969a-ca[data-kb-block=\"kb-adv-heading871_97969a-ca\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading871_97969a-ca[data-kb-block=\"kb-adv-heading871_97969a-ca\"] .kb-adv-heading-icon{color:#2270a0;font-size:20px;padding-top:0px;padding-right:5px;}.wp-block-kadence-advancedheading.kt-adv-heading871_97969a-ca[data-kb-block=\"kb-adv-heading871_97969a-ca\"]:hover .kb-adv-heading-icon{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_97969a-ca mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_97969a-ca[data-kb-block=\"kb-adv-heading871_97969a-ca\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_97969a-ca img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_97969a-ca[data-kb-block=\"kb-adv-heading871_97969a-ca\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading871_97969a-ca[data-kb-block=\"kb-adv-heading871_97969a-ca\"] a, .kt-adv-heading-link871_97969a-ca, .kt-adv-heading-link871_97969a-ca .kt-adv-heading871_97969a-ca[data-kb-block=\"kb-adv-heading871_97969a-ca\"]{color:#082e58;}.wp-block-kadence-advancedheading.kt-adv-heading871_97969a-ca[data-kb-block=\"kb-adv-heading871_97969a-ca\"] a:hover, .kt-adv-heading-link871_97969a-ca:hover, .kt-adv-heading-link871_97969a-ca:hover .kt-adv-heading871_97969a-ca[data-kb-block=\"kb-adv-heading871_97969a-ca\"]{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_97969a-ca[data-kb-block=\"kb-adv-heading871_97969a-ca\"] a, a.kb-advanced-heading-link.kt-adv-heading-link871_97969a-ca{text-decoration:none;}<\/style><a class=\"kb-advanced-heading-link kt-adv-heading-link871_97969a-ca hls-none\" href=\"#loans\"><p class=\"kt-adv-heading871_97969a-ca wp-block-kadence-advancedheading kt-adv-heading-has-icon hls-none\" data-kb-block=\"kb-adv-heading871_97969a-ca\" data-aos=\"fade-right\" data-aos-duration=\"1200\" data-aos-once=\"true\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fe_arrowRight kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Types of Loans<\/span><\/p><\/a>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_7429f5-92, .wp-block-kadence-advancedheading.kt-adv-heading871_7429f5-92[data-kb-block=\"kb-adv-heading871_7429f5-92\"]{padding-right:0px;padding-left:0px;margin-bottom:0px;text-align:left;font-size:16px;line-height:1.3em;font-weight:700;font-style:normal;font-family:'Chakra Petch';text-transform:uppercase;}.wp-block-kadence-advancedheading.kt-adv-heading871_7429f5-92[data-kb-block=\"kb-adv-heading871_7429f5-92\"]{display:flex;gap:0.25em;justify-content:left;align-items:start;}.wp-block-kadence-advancedheading.kt-adv-heading871_7429f5-92[data-kb-block=\"kb-adv-heading871_7429f5-92\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading871_7429f5-92[data-kb-block=\"kb-adv-heading871_7429f5-92\"] .kb-adv-heading-icon{color:#2270a0;font-size:20px;padding-top:0px;padding-right:5px;}.wp-block-kadence-advancedheading.kt-adv-heading871_7429f5-92[data-kb-block=\"kb-adv-heading871_7429f5-92\"]:hover .kb-adv-heading-icon{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_7429f5-92 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_7429f5-92[data-kb-block=\"kb-adv-heading871_7429f5-92\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_7429f5-92 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_7429f5-92[data-kb-block=\"kb-adv-heading871_7429f5-92\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading871_7429f5-92[data-kb-block=\"kb-adv-heading871_7429f5-92\"] a, .kt-adv-heading-link871_7429f5-92, .kt-adv-heading-link871_7429f5-92 .kt-adv-heading871_7429f5-92[data-kb-block=\"kb-adv-heading871_7429f5-92\"]{color:#082e58;}.wp-block-kadence-advancedheading.kt-adv-heading871_7429f5-92[data-kb-block=\"kb-adv-heading871_7429f5-92\"] a:hover, .kt-adv-heading-link871_7429f5-92:hover, .kt-adv-heading-link871_7429f5-92:hover .kt-adv-heading871_7429f5-92[data-kb-block=\"kb-adv-heading871_7429f5-92\"]{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_7429f5-92[data-kb-block=\"kb-adv-heading871_7429f5-92\"] a, a.kb-advanced-heading-link.kt-adv-heading-link871_7429f5-92{text-decoration:none;}<\/style><a class=\"kb-advanced-heading-link kt-adv-heading-link871_7429f5-92 hls-none\" href=\"#master-promissory-note\"><p class=\"kt-adv-heading871_7429f5-92 wp-block-kadence-advancedheading kt-adv-heading-has-icon hls-none\" data-kb-block=\"kb-adv-heading871_7429f5-92\" data-aos=\"fade-right\" data-aos-duration=\"1200\" data-aos-once=\"true\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fe_arrowRight kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Master Promissory Note (MPN)<\/span><\/p><\/a>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_c7f3e8-76, .wp-block-kadence-advancedheading.kt-adv-heading871_c7f3e8-76[data-kb-block=\"kb-adv-heading871_c7f3e8-76\"]{padding-right:0px;padding-left:0px;margin-bottom:0px;text-align:left;font-size:16px;line-height:1.3em;font-weight:700;font-style:normal;font-family:'Chakra Petch';text-transform:uppercase;}.wp-block-kadence-advancedheading.kt-adv-heading871_c7f3e8-76[data-kb-block=\"kb-adv-heading871_c7f3e8-76\"]{display:flex;gap:0.25em;justify-content:left;align-items:start;}.wp-block-kadence-advancedheading.kt-adv-heading871_c7f3e8-76[data-kb-block=\"kb-adv-heading871_c7f3e8-76\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading871_c7f3e8-76[data-kb-block=\"kb-adv-heading871_c7f3e8-76\"] .kb-adv-heading-icon{color:#2270a0;font-size:20px;padding-top:0px;padding-right:5px;}.wp-block-kadence-advancedheading.kt-adv-heading871_c7f3e8-76[data-kb-block=\"kb-adv-heading871_c7f3e8-76\"]:hover .kb-adv-heading-icon{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_c7f3e8-76 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_c7f3e8-76[data-kb-block=\"kb-adv-heading871_c7f3e8-76\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_c7f3e8-76 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_c7f3e8-76[data-kb-block=\"kb-adv-heading871_c7f3e8-76\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading871_c7f3e8-76[data-kb-block=\"kb-adv-heading871_c7f3e8-76\"] a, .kt-adv-heading-link871_c7f3e8-76, .kt-adv-heading-link871_c7f3e8-76 .kt-adv-heading871_c7f3e8-76[data-kb-block=\"kb-adv-heading871_c7f3e8-76\"]{color:#082e58;}.wp-block-kadence-advancedheading.kt-adv-heading871_c7f3e8-76[data-kb-block=\"kb-adv-heading871_c7f3e8-76\"] a:hover, .kt-adv-heading-link871_c7f3e8-76:hover, .kt-adv-heading-link871_c7f3e8-76:hover .kt-adv-heading871_c7f3e8-76[data-kb-block=\"kb-adv-heading871_c7f3e8-76\"]{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_c7f3e8-76[data-kb-block=\"kb-adv-heading871_c7f3e8-76\"] a, a.kb-advanced-heading-link.kt-adv-heading-link871_c7f3e8-76{text-decoration:none;}<\/style><a class=\"kb-advanced-heading-link kt-adv-heading-link871_c7f3e8-76 hls-none\" href=\"#loan-entrance-counseling-center\"><p class=\"kt-adv-heading871_c7f3e8-76 wp-block-kadence-advancedheading kt-adv-heading-has-icon hls-none\" data-kb-block=\"kb-adv-heading871_c7f3e8-76\" data-aos=\"fade-right\" data-aos-duration=\"1200\" data-aos-delay=\"100\" data-aos-once=\"true\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fe_arrowRight kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Entrance Counseling<\/span><\/p><\/a>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_9ef645-7e, .wp-block-kadence-advancedheading.kt-adv-heading871_9ef645-7e[data-kb-block=\"kb-adv-heading871_9ef645-7e\"]{padding-right:0px;padding-left:0px;margin-bottom:0px;text-align:left;font-size:16px;line-height:1.3em;font-weight:700;font-style:normal;font-family:'Chakra Petch';text-transform:uppercase;}.wp-block-kadence-advancedheading.kt-adv-heading871_9ef645-7e[data-kb-block=\"kb-adv-heading871_9ef645-7e\"]{display:flex;gap:0.25em;justify-content:left;align-items:start;}.wp-block-kadence-advancedheading.kt-adv-heading871_9ef645-7e[data-kb-block=\"kb-adv-heading871_9ef645-7e\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading871_9ef645-7e[data-kb-block=\"kb-adv-heading871_9ef645-7e\"] .kb-adv-heading-icon{color:#2270a0;font-size:20px;padding-top:0px;padding-right:5px;}.wp-block-kadence-advancedheading.kt-adv-heading871_9ef645-7e[data-kb-block=\"kb-adv-heading871_9ef645-7e\"]:hover .kb-adv-heading-icon{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_9ef645-7e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_9ef645-7e[data-kb-block=\"kb-adv-heading871_9ef645-7e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_9ef645-7e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_9ef645-7e[data-kb-block=\"kb-adv-heading871_9ef645-7e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading871_9ef645-7e[data-kb-block=\"kb-adv-heading871_9ef645-7e\"] a, .kt-adv-heading-link871_9ef645-7e, .kt-adv-heading-link871_9ef645-7e .kt-adv-heading871_9ef645-7e[data-kb-block=\"kb-adv-heading871_9ef645-7e\"]{color:#082e58;}.wp-block-kadence-advancedheading.kt-adv-heading871_9ef645-7e[data-kb-block=\"kb-adv-heading871_9ef645-7e\"] a:hover, .kt-adv-heading-link871_9ef645-7e:hover, .kt-adv-heading-link871_9ef645-7e:hover .kt-adv-heading871_9ef645-7e[data-kb-block=\"kb-adv-heading871_9ef645-7e\"]{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_9ef645-7e[data-kb-block=\"kb-adv-heading871_9ef645-7e\"] a, a.kb-advanced-heading-link.kt-adv-heading-link871_9ef645-7e{text-decoration:none;}<\/style><a class=\"kb-advanced-heading-link kt-adv-heading-link871_9ef645-7e hls-none\" href=\"#plus-loan-denial\"><p class=\"kt-adv-heading871_9ef645-7e wp-block-kadence-advancedheading kt-adv-heading-has-icon hls-none\" data-kb-block=\"kb-adv-heading871_9ef645-7e\" data-aos=\"fade-right\" data-aos-duration=\"1200\" data-aos-delay=\"400\" data-aos-once=\"true\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fe_arrowRight kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Plus Loan Denial<\/span><\/p><\/a><\/div><\/div>\n\n\n<style>.kadence-column871_7b8646-96 > .kt-inside-inner-col{display:flex;}.kadence-column871_7b8646-96 > .kt-inside-inner-col,.kadence-column871_7b8646-96 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_7b8646-96 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_7b8646-96 > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;align-items:center;}.kadence-column871_7b8646-96 > .kt-inside-inner-col > *, .kadence-column871_7b8646-96 > .kt-inside-inner-col > figure.wp-block-image, .kadence-column871_7b8646-96 > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column871_7b8646-96 > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}.kadence-column871_7b8646-96 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_7b8646-96{position:relative;}@media all and (max-width: 1024px){.kadence-column871_7b8646-96 > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;align-items:center;}}@media all and (min-width: 768px) and (max-width: 1024px){.kadence-column871_7b8646-96 > .kt-inside-inner-col > *, .kadence-column871_7b8646-96 > .kt-inside-inner-col > figure.wp-block-image, .kadence-column871_7b8646-96 > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column871_7b8646-96 > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}}@media all and (max-width: 767px){.kadence-column871_7b8646-96 > .kt-inside-inner-col{flex-direction:row;flex-wrap:wrap;justify-content:flex-start;}.kadence-column871_7b8646-96 > .kt-inside-inner-col > *, .kadence-column871_7b8646-96 > .kt-inside-inner-col > figure.wp-block-image, .kadence-column871_7b8646-96 > .kt-inside-inner-col > figure.wp-block-kadence-image{margin-top:0px;margin-bottom:0px;}.kadence-column871_7b8646-96 > .kt-inside-inner-col > .kb-image-is-ratio-size{flex-grow:1;}.kadence-column871_7b8646-96, .kt-inside-inner-col > .kadence-column871_7b8646-96:not(.specificity){margin-top:-30px;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_7b8646-96 kb-section-dir-horizontal\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_4552b1-60, .wp-block-kadence-advancedheading.kt-adv-heading871_4552b1-60[data-kb-block=\"kb-adv-heading871_4552b1-60\"]{padding-right:0px;padding-left:0px;margin-bottom:0px;text-align:left;font-size:16px;line-height:1.3em;font-weight:700;font-style:normal;font-family:'Chakra Petch';text-transform:uppercase;}.wp-block-kadence-advancedheading.kt-adv-heading871_4552b1-60[data-kb-block=\"kb-adv-heading871_4552b1-60\"]{display:flex;gap:0.25em;justify-content:left;align-items:start;}.wp-block-kadence-advancedheading.kt-adv-heading871_4552b1-60[data-kb-block=\"kb-adv-heading871_4552b1-60\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading871_4552b1-60[data-kb-block=\"kb-adv-heading871_4552b1-60\"] .kb-adv-heading-icon{color:#2270a0;font-size:20px;padding-top:0px;padding-right:5px;}.wp-block-kadence-advancedheading.kt-adv-heading871_4552b1-60[data-kb-block=\"kb-adv-heading871_4552b1-60\"]:hover .kb-adv-heading-icon{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_4552b1-60 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_4552b1-60[data-kb-block=\"kb-adv-heading871_4552b1-60\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_4552b1-60 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_4552b1-60[data-kb-block=\"kb-adv-heading871_4552b1-60\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading871_4552b1-60[data-kb-block=\"kb-adv-heading871_4552b1-60\"] a, .kt-adv-heading-link871_4552b1-60, .kt-adv-heading-link871_4552b1-60 .kt-adv-heading871_4552b1-60[data-kb-block=\"kb-adv-heading871_4552b1-60\"]{color:#082e58;}.wp-block-kadence-advancedheading.kt-adv-heading871_4552b1-60[data-kb-block=\"kb-adv-heading871_4552b1-60\"] a:hover, .kt-adv-heading-link871_4552b1-60:hover, .kt-adv-heading-link871_4552b1-60:hover .kt-adv-heading871_4552b1-60[data-kb-block=\"kb-adv-heading871_4552b1-60\"]{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_4552b1-60[data-kb-block=\"kb-adv-heading871_4552b1-60\"] a, a.kb-advanced-heading-link.kt-adv-heading-link871_4552b1-60{text-decoration:none;}<\/style><a class=\"kb-advanced-heading-link kt-adv-heading-link871_4552b1-60 hls-none\" href=\"#NSLDS\"><p class=\"kt-adv-heading871_4552b1-60 wp-block-kadence-advancedheading kt-adv-heading-has-icon hls-none\" data-kb-block=\"kb-adv-heading871_4552b1-60\" data-aos=\"fade-right\" data-aos-duration=\"1200\" data-aos-delay=\"500\" data-aos-once=\"true\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fe_arrowRight kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Managing federal loans<\/span><\/p><\/a>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_069352-27, .wp-block-kadence-advancedheading.kt-adv-heading871_069352-27[data-kb-block=\"kb-adv-heading871_069352-27\"]{padding-right:0px;padding-left:0px;margin-bottom:0px;text-align:left;font-size:16px;line-height:1.3em;font-weight:700;font-style:normal;font-family:'Chakra Petch';text-transform:uppercase;}.wp-block-kadence-advancedheading.kt-adv-heading871_069352-27[data-kb-block=\"kb-adv-heading871_069352-27\"]{display:flex;gap:0.25em;justify-content:left;align-items:start;}.wp-block-kadence-advancedheading.kt-adv-heading871_069352-27[data-kb-block=\"kb-adv-heading871_069352-27\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading871_069352-27[data-kb-block=\"kb-adv-heading871_069352-27\"] .kb-adv-heading-icon{color:#2270a0;font-size:20px;padding-top:0px;padding-right:5px;}.wp-block-kadence-advancedheading.kt-adv-heading871_069352-27[data-kb-block=\"kb-adv-heading871_069352-27\"]:hover .kb-adv-heading-icon{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_069352-27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_069352-27[data-kb-block=\"kb-adv-heading871_069352-27\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_069352-27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_069352-27[data-kb-block=\"kb-adv-heading871_069352-27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading871_069352-27[data-kb-block=\"kb-adv-heading871_069352-27\"] a, .kt-adv-heading-link871_069352-27, .kt-adv-heading-link871_069352-27 .kt-adv-heading871_069352-27[data-kb-block=\"kb-adv-heading871_069352-27\"]{color:#082e58;}.wp-block-kadence-advancedheading.kt-adv-heading871_069352-27[data-kb-block=\"kb-adv-heading871_069352-27\"] a:hover, .kt-adv-heading-link871_069352-27:hover, .kt-adv-heading-link871_069352-27:hover .kt-adv-heading871_069352-27[data-kb-block=\"kb-adv-heading871_069352-27\"]{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_069352-27[data-kb-block=\"kb-adv-heading871_069352-27\"] a, a.kb-advanced-heading-link.kt-adv-heading-link871_069352-27{text-decoration:none;}<\/style><a class=\"kb-advanced-heading-link kt-adv-heading-link871_069352-27 hls-none\" href=\"#exit\"><p class=\"kt-adv-heading871_069352-27 wp-block-kadence-advancedheading kt-adv-heading-has-icon hls-none\" data-kb-block=\"kb-adv-heading871_069352-27\" data-aos=\"fade-right\" data-aos-duration=\"1200\" data-aos-delay=\"500\" data-aos-once=\"true\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fe_arrowRight kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">exit counseling<\/span><\/p><\/a>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_d2da50-0e, .wp-block-kadence-advancedheading.kt-adv-heading871_d2da50-0e[data-kb-block=\"kb-adv-heading871_d2da50-0e\"]{padding-right:0px;padding-left:0px;margin-bottom:0px;text-align:left;font-size:16px;line-height:1.3em;font-weight:700;font-style:normal;font-family:'Chakra Petch';text-transform:uppercase;}.wp-block-kadence-advancedheading.kt-adv-heading871_d2da50-0e[data-kb-block=\"kb-adv-heading871_d2da50-0e\"]{display:flex;gap:0.25em;justify-content:left;align-items:start;}.wp-block-kadence-advancedheading.kt-adv-heading871_d2da50-0e[data-kb-block=\"kb-adv-heading871_d2da50-0e\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading871_d2da50-0e[data-kb-block=\"kb-adv-heading871_d2da50-0e\"] .kb-adv-heading-icon{color:#2270a0;font-size:20px;padding-top:0px;padding-right:5px;}.wp-block-kadence-advancedheading.kt-adv-heading871_d2da50-0e[data-kb-block=\"kb-adv-heading871_d2da50-0e\"]:hover .kb-adv-heading-icon{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_d2da50-0e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_d2da50-0e[data-kb-block=\"kb-adv-heading871_d2da50-0e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_d2da50-0e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_d2da50-0e[data-kb-block=\"kb-adv-heading871_d2da50-0e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading871_d2da50-0e[data-kb-block=\"kb-adv-heading871_d2da50-0e\"] a, .kt-adv-heading-link871_d2da50-0e, .kt-adv-heading-link871_d2da50-0e .kt-adv-heading871_d2da50-0e[data-kb-block=\"kb-adv-heading871_d2da50-0e\"]{color:#082e58;}.wp-block-kadence-advancedheading.kt-adv-heading871_d2da50-0e[data-kb-block=\"kb-adv-heading871_d2da50-0e\"] a:hover, .kt-adv-heading-link871_d2da50-0e:hover, .kt-adv-heading-link871_d2da50-0e:hover .kt-adv-heading871_d2da50-0e[data-kb-block=\"kb-adv-heading871_d2da50-0e\"]{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_d2da50-0e[data-kb-block=\"kb-adv-heading871_d2da50-0e\"] a, a.kb-advanced-heading-link.kt-adv-heading-link871_d2da50-0e{text-decoration:none;}<\/style><a class=\"kb-advanced-heading-link kt-adv-heading-link871_d2da50-0e hls-none\" href=\"#loan-forgiveness\"><p class=\"kt-adv-heading871_d2da50-0e wp-block-kadence-advancedheading kt-adv-heading-has-icon hls-none\" data-kb-block=\"kb-adv-heading871_d2da50-0e\" data-aos=\"fade-right\" data-aos-duration=\"1200\" data-aos-delay=\"200\" data-aos-once=\"true\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fe_arrowRight kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Loan Forgiveness<\/span><\/p><\/a>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_30e648-b9, .wp-block-kadence-advancedheading.kt-adv-heading871_30e648-b9[data-kb-block=\"kb-adv-heading871_30e648-b9\"]{padding-right:0px;padding-left:0px;margin-bottom:0px;text-align:left;font-size:16px;line-height:1.3em;font-weight:700;font-style:normal;font-family:'Chakra Petch';text-transform:uppercase;}.wp-block-kadence-advancedheading.kt-adv-heading871_30e648-b9[data-kb-block=\"kb-adv-heading871_30e648-b9\"]{display:flex;gap:0.25em;justify-content:left;align-items:start;}.wp-block-kadence-advancedheading.kt-adv-heading871_30e648-b9[data-kb-block=\"kb-adv-heading871_30e648-b9\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading871_30e648-b9[data-kb-block=\"kb-adv-heading871_30e648-b9\"] .kb-adv-heading-icon{color:#2270a0;font-size:20px;padding-top:0px;padding-right:5px;}.wp-block-kadence-advancedheading.kt-adv-heading871_30e648-b9[data-kb-block=\"kb-adv-heading871_30e648-b9\"]:hover .kb-adv-heading-icon{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_30e648-b9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_30e648-b9[data-kb-block=\"kb-adv-heading871_30e648-b9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_30e648-b9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_30e648-b9[data-kb-block=\"kb-adv-heading871_30e648-b9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading871_30e648-b9[data-kb-block=\"kb-adv-heading871_30e648-b9\"] a, .kt-adv-heading-link871_30e648-b9, .kt-adv-heading-link871_30e648-b9 .kt-adv-heading871_30e648-b9[data-kb-block=\"kb-adv-heading871_30e648-b9\"]{color:#082e58;}.wp-block-kadence-advancedheading.kt-adv-heading871_30e648-b9[data-kb-block=\"kb-adv-heading871_30e648-b9\"] a:hover, .kt-adv-heading-link871_30e648-b9:hover, .kt-adv-heading-link871_30e648-b9:hover .kt-adv-heading871_30e648-b9[data-kb-block=\"kb-adv-heading871_30e648-b9\"]{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_30e648-b9[data-kb-block=\"kb-adv-heading871_30e648-b9\"] a, a.kb-advanced-heading-link.kt-adv-heading-link871_30e648-b9{text-decoration:none;}<\/style><a class=\"kb-advanced-heading-link kt-adv-heading-link871_30e648-b9 hls-none\" href=\"#rights-responsibilites\"><p class=\"kt-adv-heading871_30e648-b9 wp-block-kadence-advancedheading kt-adv-heading-has-icon hls-none\" data-kb-block=\"kb-adv-heading871_30e648-b9\" data-aos=\"fade-right\" data-aos-duration=\"1200\" data-aos-delay=\"600\" data-aos-once=\"true\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fe_arrowRight kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">Borrower rights and responsibilities<\/span><\/p><\/a>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_7c6d04-99, .wp-block-kadence-advancedheading.kt-adv-heading871_7c6d04-99[data-kb-block=\"kb-adv-heading871_7c6d04-99\"]{padding-right:0px;padding-left:0px;margin-bottom:0px;text-align:left;font-size:16px;line-height:1.3em;font-weight:700;font-style:normal;font-family:'Chakra Petch';text-transform:uppercase;}.wp-block-kadence-advancedheading.kt-adv-heading871_7c6d04-99[data-kb-block=\"kb-adv-heading871_7c6d04-99\"]{display:flex;gap:0.25em;justify-content:left;align-items:start;}.wp-block-kadence-advancedheading.kt-adv-heading871_7c6d04-99[data-kb-block=\"kb-adv-heading871_7c6d04-99\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading871_7c6d04-99[data-kb-block=\"kb-adv-heading871_7c6d04-99\"] .kb-adv-heading-icon{color:#2270a0;font-size:20px;padding-top:0px;padding-right:5px;}.wp-block-kadence-advancedheading.kt-adv-heading871_7c6d04-99[data-kb-block=\"kb-adv-heading871_7c6d04-99\"]:hover .kb-adv-heading-icon{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_7c6d04-99 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_7c6d04-99[data-kb-block=\"kb-adv-heading871_7c6d04-99\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_7c6d04-99 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_7c6d04-99[data-kb-block=\"kb-adv-heading871_7c6d04-99\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading871_7c6d04-99[data-kb-block=\"kb-adv-heading871_7c6d04-99\"] a, .kt-adv-heading-link871_7c6d04-99, .kt-adv-heading-link871_7c6d04-99 .kt-adv-heading871_7c6d04-99[data-kb-block=\"kb-adv-heading871_7c6d04-99\"]{color:#082e58;}.wp-block-kadence-advancedheading.kt-adv-heading871_7c6d04-99[data-kb-block=\"kb-adv-heading871_7c6d04-99\"] a:hover, .kt-adv-heading-link871_7c6d04-99:hover, .kt-adv-heading-link871_7c6d04-99:hover .kt-adv-heading871_7c6d04-99[data-kb-block=\"kb-adv-heading871_7c6d04-99\"]{color:#2270a0;}.wp-block-kadence-advancedheading.kt-adv-heading871_7c6d04-99[data-kb-block=\"kb-adv-heading871_7c6d04-99\"] a, a.kb-advanced-heading-link.kt-adv-heading-link871_7c6d04-99{text-decoration:none;}<\/style><a class=\"kb-advanced-heading-link kt-adv-heading-link871_7c6d04-99 hls-none\" href=\"#rights-responsibilites\"><p class=\"kt-adv-heading871_7c6d04-99 wp-block-kadence-advancedheading kt-adv-heading-has-icon hls-none\" data-kb-block=\"kb-adv-heading871_7c6d04-99\" data-aos=\"fade-right\" data-aos-duration=\"1200\" data-aos-delay=\"600\" data-aos-once=\"true\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fe_arrowRight kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><line x1=\"5\" y1=\"12\" x2=\"19\" y2=\"12\"\/><polyline points=\"12 5 19 12 12 19\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"#financial-wellness\">financial wellness<\/a><\/span><\/p><\/a><\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id871_755809-52 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id871_755809-52 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id871_755809-52 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:1250px;margin-left:auto;margin-right:auto;padding-top:50px;padding-bottom:50px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id871_755809-52 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id871_755809-52 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id871_755809-52 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id871_755809-52 alignfull wp-block-kadence-rowlayout\" id=\"loans\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column871_30b570-ba > .kt-inside-inner-col,.kadence-column871_30b570-ba > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_30b570-ba > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_30b570-ba > .kt-inside-inner-col{flex-direction:column;}.kadence-column871_30b570-ba > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column871_30b570-ba > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_30b570-ba{position:relative;}@media all and (max-width: 1024px){.kadence-column871_30b570-ba > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column871_30b570-ba > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_30b570-ba\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_78727d-4d, .wp-block-kadence-advancedheading.kt-adv-heading871_78727d-4d[data-kb-block=\"kb-adv-heading871_78727d-4d\"]{padding-top:0px;padding-bottom:15px;text-align:center;font-size:32px;line-height:1;font-weight:900;font-style:normal;font-family:stratum-1-web;text-transform:uppercase;color:#003263;}.wp-block-kadence-advancedheading.kt-adv-heading871_78727d-4d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_78727d-4d[data-kb-block=\"kb-adv-heading871_78727d-4d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_78727d-4d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_78727d-4d[data-kb-block=\"kb-adv-heading871_78727d-4d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_78727d-4d, .wp-block-kadence-advancedheading.kt-adv-heading871_78727d-4d[data-kb-block=\"kb-adv-heading871_78727d-4d\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_78727d-4d, .wp-block-kadence-advancedheading.kt-adv-heading871_78727d-4d[data-kb-block=\"kb-adv-heading871_78727d-4d\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_78727d-4d wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_78727d-4d\">Types of Loans<\/p>\n\n\n<style>.kt-accordion-id871_3bbcb6-3d .kt-accordion-inner-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:2px;}.kt-accordion-id871_3bbcb6-3d .kt-accordion-panel-inner{padding-top:35px;padding-right:35px;padding-bottom:35px;padding-left:35px;}.kt-accordion-id871_3bbcb6-3d > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #d6d6d6;border-right:1px solid #d6d6d6;border-bottom:1px solid #d6d6d6;border-left:10px solid #2270a0;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;background:#e5f0f9;font-size:20px;line-height:24px;font-family:stratum-1-web;font-weight:900;text-transform:uppercase;color:#082e58;padding-top:25px;padding-right:25px;padding-bottom:25px;padding-left:25px;}.kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap .kt-blocks-accordion-icon-trigger:before{background:#082e58;}.kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger{background:#082e58;}.kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-icon-trigger:before{background:#e5f0f9;}.kt-accordion-id871_3bbcb6-3d > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id871_3bbcb6-3d .kt-blocks-accordion-header:focus-visible{color:#fff;background:#082e58;border-top:1px solid #d6d6d6;border-right:1px solid #d6d6d6;border-bottom:1px solid #d6d6d6;border-left:10px solid #f1b25b;}.kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion--visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle ) .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#fff;}.kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger, body:not(.hide-focus-outline) .kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger{background:#fff;}.kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:hover .kt-blocks-accordion-icon-trigger:before, body:not(.hide-focus-outline) .kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:after, body:not(.hide-focus-outline) .kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible .kt-blocks-accordion-icon-trigger:before{background:#082e58;}.kt-accordion-id871_3bbcb6-3d .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id871_3bbcb6-3d > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{color:#fff;background:#082e58;border-top:1px solid #eee;border-right:1px solid #eee;border-bottom:1px solid #eee;border-left:10px solid #003263;}.kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basiccircle ):not( .kt-accodion-icon-style-xclosecircle ):not( .kt-accodion-icon-style-arrowcircle )  > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#fff;}.kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger{background:#fff;}.kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:after, .kt-accordion-id871_3bbcb6-3d:not( .kt-accodion-icon-style-basic ):not( .kt-accodion-icon-style-xclose ):not( .kt-accodion-icon-style-arrow ) .kt-blocks-accordion-header.kt-accordion-panel-active .kt-blocks-accordion-icon-trigger:before{background:#082e58;}@media all and (max-width: 1024px){.kt-accordion-id871_3bbcb6-3d > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #d6d6d6;border-right:1px solid #d6d6d6;border-bottom:1px solid #d6d6d6;border-left:10px solid #2270a0;}}@media all and (max-width: 1024px){.kt-accordion-id871_3bbcb6-3d > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id871_3bbcb6-3d .kt-blocks-accordion-header:focus-visible{border-top:1px solid #d6d6d6;border-right:1px solid #d6d6d6;border-bottom:1px solid #d6d6d6;border-left:10px solid #f1b25b;}}@media all and (max-width: 1024px){.kt-accordion-id871_3bbcb6-3d .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id871_3bbcb6-3d > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #eee;border-right:1px solid #eee;border-bottom:1px solid #eee;border-left:10px solid #003263;}}@media all and (max-width: 767px){.kt-accordion-id871_3bbcb6-3d .kt-accordion-inner-wrap{display:block;}.kt-accordion-id871_3bbcb6-3d .kt-accordion-inner-wrap .kt-accordion-pane:not(:first-child){margin-top:2px;}.kt-accordion-id871_3bbcb6-3d > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header{border-top:1px solid #d6d6d6;border-right:1px solid #d6d6d6;border-bottom:1px solid #d6d6d6;border-left:10px solid #2270a0;}.kt-accordion-id871_3bbcb6-3d > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header:hover, \n\t\t\t\tbody:not(.hide-focus-outline) .kt-accordion-id871_3bbcb6-3d .kt-blocks-accordion-header:focus-visible{border-top:1px solid #d6d6d6;border-right:1px solid #d6d6d6;border-bottom:1px solid #d6d6d6;border-left:10px solid #f1b25b;}.kt-accordion-id871_3bbcb6-3d .kt-accordion-header-wrap .kt-blocks-accordion-header:focus-visible,\n\t\t\t\t.kt-accordion-id871_3bbcb6-3d > .kt-accordion-inner-wrap > .wp-block-kadence-pane > .kt-accordion-header-wrap > .kt-blocks-accordion-header.kt-accordion-panel-active{border-top:1px solid #eee;border-right:1px solid #eee;border-bottom:1px solid #eee;border-left:10px solid #003263;}}<\/style>\n<div class=\"wp-block-kadence-accordion alignnone um-UMAccentBlueAccordion\"><div class=\"kt-accordion-wrap kt-accordion-id871_3bbcb6-3d kt-accordion-has-24-panes kt-active-pane-0 kt-accordion-block kt-pane-header-alignment-left kt-accodion-icon-style-basiccircle kt-accodion-icon-side-right\" style=\"max-width:none\"><div class=\"kt-accordion-inner-wrap\" data-allow-multiple-open=\"false\" data-start-open=\"none\">\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-1 kt-pane871_6b3fb1-88\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Federal Loans<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_9cca98-57, .wp-block-kadence-advancedheading.kt-adv-heading871_9cca98-57[data-kb-block=\"kb-adv-heading871_9cca98-57\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_9cca98-57 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_9cca98-57[data-kb-block=\"kb-adv-heading871_9cca98-57\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_9cca98-57 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_9cca98-57[data-kb-block=\"kb-adv-heading871_9cca98-57\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_9cca98-57 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_9cca98-57\">Federal Direct Loans are available to most students who complete the FAFSA. <strong>In order to receive loans, students must complete the FAFSA and accept their loans in MaineStreet every year.<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_09f07e-7c:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_09f07e-7c ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_09f07e-7c ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_09f07e-7c .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_09f07e-7c ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_09f07e-7c ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_09f07e-7c ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_09f07e-7c ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_09f07e-7c kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_a04f8c-c5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_a04f8c-c5\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>First-time borrowers must complete the MPN and Entrance Counseling at studentaid.gov<\/strong> <strong>to receive loans<\/strong><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_fdf5e7-46 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_fdf5e7-46\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Loan amounts are based on academic grade level and financial need as determined on the FAFSA<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_2b1416-bf .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_2b1416-bf\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Interest rates are determined prior to the start of each upcoming academic year. Interest rates are fixed for the life of each loan<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_bd9b61-6d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_bd9b61-6d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Students must begin making payments at the end of the <a href=\"https:\/\/studentaid.gov\/manage-loans\/repayment#grace\">grace period<\/a>, or within 6 months of graduating, dropping below half-time enrollment, or leaving school. Interest accrues during the grace period, and there are no penalties for making early payments<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_b55514-6c, .wp-block-kadence-advancedheading.kt-adv-heading871_b55514-6c[data-kb-block=\"kb-adv-heading871_b55514-6c\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_b55514-6c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_b55514-6c[data-kb-block=\"kb-adv-heading871_b55514-6c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_b55514-6c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_b55514-6c[data-kb-block=\"kb-adv-heading871_b55514-6c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_b55514-6c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_b55514-6c\"><strong>Federal Direct Subsidized Loans<\/strong>&nbsp;<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_008461-1b:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_008461-1b ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_008461-1b ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_008461-1b .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_008461-1b ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_008461-1b ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_008461-1b ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_008461-1b ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_008461-1b kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_d18703-eb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_d18703-eb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>The federal government subsidizes (pays the interest on)<\/strong> the loan while the student is enrolled at least half-time<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_9c8cda-de .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_9c8cda-de\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Based on a student&#8217;s financial need (including their SAI) as determined on the FAFSA<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_afcb8f-86, .wp-block-kadence-advancedheading.kt-adv-heading871_afcb8f-86[data-kb-block=\"kb-adv-heading871_afcb8f-86\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_afcb8f-86 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_afcb8f-86[data-kb-block=\"kb-adv-heading871_afcb8f-86\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_afcb8f-86 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_afcb8f-86[data-kb-block=\"kb-adv-heading871_afcb8f-86\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_afcb8f-86 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_afcb8f-86\"><strong>Federal Direct Unsubsidized Loans<\/strong>&nbsp;<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_0dc84f-e9:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_0dc84f-e9 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_0dc84f-e9 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_0dc84f-e9 .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_0dc84f-e9 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_0dc84f-e9 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_0dc84f-e9 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_0dc84f-e9 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_0dc84f-e9 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_70f775-a4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_70f775-a4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Interest accrues while the student is in school.<\/strong> The student can choose to either pay the interest while in school or have the interest added to the loan principal to be repaid later<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_1495f2-ae .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_1495f2-ae\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Graduate students are only eligible for unsubsidized loans<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns871_5c38a8-5a{padding-left:0px;gap:25px;justify-content:center;align-items:center;}.kt-btns871_5c38a8-5a .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kt-btns871_5c38a8-5a, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_5c38a8-5a, .wp-block-kadence-advancedbtn.kb-btns871_5c38a8-5a, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_5c38a8-5a{margin-bottom:0px;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns871_5c38a8-5a{padding-right:50px;padding-left:50px;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kt-btns871_5c38a8-5a, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_5c38a8-5a, .wp-block-kadence-advancedbtn.kb-btns871_5c38a8-5a, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_5c38a8-5a{margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_5c38a8-5a{padding-right:25px;padding-left:25px;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns871_5c38a8-5a um-UMBHBlueButton\"><style>.wp-block-kadence-advancedbtn .kb-btn871_4b7fb0-31.kb-button{color:#082e58;background:#79bde8;font-size:16px;font-family:'Chakra Petch';font-weight:600;text-transform:uppercase;border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;margin-bottom:0px;}.wp-block-kadence-advancedbtn .kb-btn871_4b7fb0-31.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_4b7fb0-31.kb-button:focus{color:#ffffff;background:#082e58;border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_4b7fb0-31.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_4b7fb0-31.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_4b7fb0-31.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn871_4b7fb0-31.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_4b7fb0-31.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_4b7fb0-31.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn871_4b7fb0-31 kt-btn-size-standard kt-btn-width-type-fixed kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/studentaid.gov\/understand-aid\/types\/loans\/subsidized-unsubsidized\"><span class=\"kt-btn-inner-text\">See full details<\/span><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-2 kt-pane871_75e001-e9\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Alternative Loans<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_bba7fe-f2, .wp-block-kadence-advancedheading.kt-adv-heading871_bba7fe-f2[data-kb-block=\"kb-adv-heading871_bba7fe-f2\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_bba7fe-f2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_bba7fe-f2[data-kb-block=\"kb-adv-heading871_bba7fe-f2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_bba7fe-f2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_bba7fe-f2[data-kb-block=\"kb-adv-heading871_bba7fe-f2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_bba7fe-f2 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_bba7fe-f2\">Alternative student loans are available from private lenders. <strong>We strongly recommend that students accept their Federal Direct&nbsp;Loan eligibility before applying for an alternative loan. <\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_004482-f7:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_004482-f7 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_004482-f7 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_004482-f7 .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_004482-f7 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_004482-f7 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_004482-f7 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_004482-f7 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_004482-f7 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_11cc19-41 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_11cc19-41\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Apply directly through the lender<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_f6d6ea-90 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_f6d6ea-90\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Typically requires a credit check and cosigner<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_44452c-61 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_44452c-61\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Deferred payment options may be available<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_0da77a-df .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_0da77a-df\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Interest rates vary<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_a21774-31, .wp-block-kadence-advancedheading.kt-adv-heading871_a21774-31[data-kb-block=\"kb-adv-heading871_a21774-31\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_a21774-31 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_a21774-31[data-kb-block=\"kb-adv-heading871_a21774-31\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_a21774-31 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_a21774-31[data-kb-block=\"kb-adv-heading871_a21774-31\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_a21774-31 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_a21774-31\">If you do not accept your full Federal Direct&nbsp;Loan eligibility, certification of your alternative loan could be delayed. Contact our office if you have applied for an alternative loan and do not wish to borrow your Federal Direct&nbsp;Loan.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_2e74dd-da, .wp-block-kadence-advancedheading.kt-adv-heading871_2e74dd-da[data-kb-block=\"kb-adv-heading871_2e74dd-da\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_2e74dd-da mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_2e74dd-da[data-kb-block=\"kb-adv-heading871_2e74dd-da\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_2e74dd-da img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_2e74dd-da[data-kb-block=\"kb-adv-heading871_2e74dd-da\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_2e74dd-da wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_2e74dd-da\"><strong>Questions to ask a lender before applying for an alternative loan:<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_0c01e8-13:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_0c01e8-13 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_0c01e8-13 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_0c01e8-13 .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_0c01e8-13 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_0c01e8-13 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_0c01e8-13 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_0c01e8-13 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_0c01e8-13 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_733066-ae .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_733066-ae\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Is there a minimum amount I have to borrow?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_b0ede8-ac .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_b0ede8-ac\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Are payments required while I&#8217;m in school?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_320624-38 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_320624-38\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">What is the interest rate? Is it fixed or variable?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_7f7987-fc .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_7f7987-fc\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">What are the repayment terms?<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_229ec8-b9 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_229ec8-b9\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Can the loan be used to pay for prior balances?<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns871_a68799-81{padding-left:0px;gap:25px;justify-content:center;align-items:center;}.kt-btns871_a68799-81 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kt-btns871_a68799-81, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_a68799-81, .wp-block-kadence-advancedbtn.kb-btns871_a68799-81, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_a68799-81{margin-bottom:0px;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns871_a68799-81{padding-right:50px;padding-left:50px;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kt-btns871_a68799-81, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_a68799-81, .wp-block-kadence-advancedbtn.kb-btns871_a68799-81, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_a68799-81{margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_a68799-81{padding-right:25px;padding-left:25px;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns871_a68799-81 um-UMBHBlueButton\"><style>.wp-block-kadence-advancedbtn .kb-btn871_c13021-1d.kb-button{color:#082e58;background:#79bde8;font-size:16px;font-family:'Chakra Petch';font-weight:600;text-transform:uppercase;border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;margin-bottom:0px;}.wp-block-kadence-advancedbtn .kb-btn871_c13021-1d.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_c13021-1d.kb-button:focus{color:#ffffff;background:#082e58;border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_c13021-1d.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_c13021-1d.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_c13021-1d.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn871_c13021-1d.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_c13021-1d.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_c13021-1d.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn871_c13021-1d kt-btn-size-standard kt-btn-width-type-fixed kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/www.elmselect.com\/v4\/school\/395\/program-select\"><span class=\"kt-btn-inner-text\">visit elmselect.com | Lender comparison tool<\/span><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-21 kt-pane871_773e96-e5\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Direct Plus Loans<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_8e7d3e-4c, .wp-block-kadence-advancedheading.kt-adv-heading871_8e7d3e-4c[data-kb-block=\"kb-adv-heading871_8e7d3e-4c\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_8e7d3e-4c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_8e7d3e-4c[data-kb-block=\"kb-adv-heading871_8e7d3e-4c\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_8e7d3e-4c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_8e7d3e-4c[data-kb-block=\"kb-adv-heading871_8e7d3e-4c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_8e7d3e-4c wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_8e7d3e-4c\">Federal Direct PLUS Loans are provided by the Department of Education to&nbsp;<strong>graduate students&nbsp;<\/strong>and&nbsp;<strong>parents of dependent undergraduate students<\/strong>.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_cba438-aa, .wp-block-kadence-advancedheading.kt-adv-heading871_cba438-aa[data-kb-block=\"kb-adv-heading871_cba438-aa\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_cba438-aa mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_cba438-aa[data-kb-block=\"kb-adv-heading871_cba438-aa\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_cba438-aa img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_cba438-aa[data-kb-block=\"kb-adv-heading871_cba438-aa\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_cba438-aa wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_cba438-aa\"><strong>Students must file a FAFSA each year in order to be eligible for a PLUS Loan.<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_77f0ac-57:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_77f0ac-57 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_77f0ac-57 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_77f0ac-57 .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_77f0ac-57 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_77f0ac-57 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_77f0ac-57 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_77f0ac-57 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_77f0ac-57 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_6f04b2-59 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_6f04b2-59\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Apply directly at <a href=\"http:\/\/studentaid.gov\">studentaid.gov<\/a><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_ab3713-13 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_ab3713-13\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Requires a credit check<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_ee5e44-59:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_ee5e44-59 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-right:30px;padding-left:55px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_ee5e44-59 ul.kt-svg-icon-list{grid-row-gap:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_ee5e44-59 .kb-svg-icon-wrap{color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_ee5e44-59 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items871_ee5e44-59 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_ee5e44-59 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_ee5e44-59 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_ee5e44-59 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_b59c07-2e .kt-svg-icon-list-single{color:#3698d4 !important;}.kt-svg-icon-list-item-871_b59c07-2e .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_b59c07-2e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_genderless kt-svg-icon-list-single\"><svg viewBox=\"0 0 288 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M144 176c44.1 0 80 35.9 80 80s-35.9 80-80 80-80-35.9-80-80 35.9-80 80-80m0-64C64.5 112 0 176.5 0 256s64.5 144 144 144 144-64.5 144-144-64.5-144-144-144z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"> Undergraduate students whose parent borrower is denied a PLUS loan may be offered additional federal loans.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_df1e1f-39:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_df1e1f-39 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_df1e1f-39 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_df1e1f-39 .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_df1e1f-39 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_df1e1f-39 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_df1e1f-39 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_df1e1f-39 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_df1e1f-39 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_a34866-43 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_a34866-43\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Deferred payment options are available<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_618847-25:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_618847-25 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:0px;margin-left:0px;padding-right:30px;padding-left:55px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_618847-25 ul.kt-svg-icon-list{grid-row-gap:20px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_618847-25 .kb-svg-icon-wrap{color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_618847-25 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items871_618847-25 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_618847-25 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_618847-25 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_618847-25 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_8dba48-5b .kt-svg-icon-list-single{color:#3698d4 !important;}.kt-svg-icon-list-item-871_8dba48-5b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_8dba48-5b\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_genderless kt-svg-icon-list-single\"><svg viewBox=\"0 0 288 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M144 176c44.1 0 80 35.9 80 80s-35.9 80-80 80-80-35.9-80-80 35.9-80 80-80m0-64C64.5 112 0 176.5 0 256s64.5 144 144 144 144-64.5 144-144-64.5-144-144-144z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Payments are deferred automatically for graduate students<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_306b73-eb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_306b73-eb\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_genderless kt-svg-icon-list-single\"><svg viewBox=\"0 0 288 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M144 176c44.1 0 80 35.9 80 80s-35.9 80-80 80-80-35.9-80-80 35.9-80 80-80m0-64C64.5 112 0 176.5 0 256s64.5 144 144 144 144-64.5 144-144-64.5-144-144-144z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Repayment schedule is over 10 years<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_b4bfc8-03:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_b4bfc8-03 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_b4bfc8-03 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_b4bfc8-03 .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_b4bfc8-03 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_b4bfc8-03 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_b4bfc8-03 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_b4bfc8-03 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_b4bfc8-03 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_529dce-63 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_529dce-63\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Interest rates are fixed each year<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_90587b-09, .wp-block-kadence-advancedheading.kt-adv-heading871_90587b-09[data-kb-block=\"kb-adv-heading871_90587b-09\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_90587b-09 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_90587b-09[data-kb-block=\"kb-adv-heading871_90587b-09\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_90587b-09 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_90587b-09[data-kb-block=\"kb-adv-heading871_90587b-09\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_90587b-09 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_90587b-09\"><strong>How to Apply<\/strong><\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_8d1e86-d4, .wp-block-kadence-advancedheading.kt-adv-heading871_8d1e86-d4[data-kb-block=\"kb-adv-heading871_8d1e86-d4\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_8d1e86-d4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_8d1e86-d4[data-kb-block=\"kb-adv-heading871_8d1e86-d4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_8d1e86-d4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_8d1e86-d4[data-kb-block=\"kb-adv-heading871_8d1e86-d4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_8d1e86-d4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_8d1e86-d4\"><em>Parent Borrowers:<\/em><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_e8fd64-21:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_e8fd64-21 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_e8fd64-21 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_e8fd64-21 .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_e8fd64-21 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_e8fd64-21 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_e8fd64-21 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_e8fd64-21 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_e8fd64-21 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_ad312a-4d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_ad312a-4d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Go to&nbsp;<a href=\"https:\/\/studentaid.gov\/\">studentaid.gov<\/a>&nbsp;and log in using the parent borrower\u2019s name, SSN, Date of Birth, and&nbsp;Studentaid.gov Account login<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_457576-f3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_457576-f3\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Choose option Request a PLUS Loan. This process will determine whether you are approved or denied<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_b53ffd-d1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_b53ffd-d1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">If you are approved, select Complete Master Promissory Note. New borrowers and borrowers who use an endorser need to complete the MPN.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_07f038-30 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_07f038-30\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Parent Borrowers with an Endorser: Parent Borrowers must complete credit counseling, and Endorsers must complete the Endorser Addendum. More information is available at <a href=\"https:\/\/studentaid.gov\/endorser-addendum\/\">studentaid.gov\/endorser-addendum\/<\/a><\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_f999b8-80, .wp-block-kadence-advancedheading.kt-adv-heading871_f999b8-80[data-kb-block=\"kb-adv-heading871_f999b8-80\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_f999b8-80 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_f999b8-80[data-kb-block=\"kb-adv-heading871_f999b8-80\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_f999b8-80 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_f999b8-80[data-kb-block=\"kb-adv-heading871_f999b8-80\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_f999b8-80 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_f999b8-80\"><em><em>Graduate Student Borrowers:<\/em><\/em><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_3dbc4e-d2:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_3dbc4e-d2 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_3dbc4e-d2 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_3dbc4e-d2 .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_3dbc4e-d2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_3dbc4e-d2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_3dbc4e-d2 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_3dbc4e-d2 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_3dbc4e-d2 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_223e3c-df .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_223e3c-df\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Go to&nbsp;<a href=\"https:\/\/studentaid.gov\/\">studentaid.gov<\/a>&nbsp;and log in using the graduate student\u2019s name, SSN, Date of Birth, and Studentaid.gov Account login.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_989b85-2d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_989b85-2d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Choose option Request a PLUS Loan. This process will determine whether you are approved or denied<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_04cb9e-e7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_04cb9e-e7\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">If you are approved, you must choose the option Complete Master Promissory Note (new borrowers and borrowers who use an endorser need to complete the MPN)<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-22 kt-pane871_de1577-d1\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Federal Loan Rates and FEES<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_168b68-31, .wp-block-kadence-advancedheading.kt-adv-heading871_168b68-31[data-kb-block=\"kb-adv-heading871_168b68-31\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_168b68-31 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_168b68-31[data-kb-block=\"kb-adv-heading871_168b68-31\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_168b68-31 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_168b68-31[data-kb-block=\"kb-adv-heading871_168b68-31\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_168b68-31 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_168b68-31\">The interest rates for Direct Loans with a first disbursement date on or after July 1, 2025 and before July 1, 2026 are:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_c128d9-27:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_c128d9-27 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_c128d9-27 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_c128d9-27 .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_c128d9-27 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_c128d9-27 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_c128d9-27 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_c128d9-27 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_c128d9-27 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_21d61b-cd .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_21d61b-cd\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">6.39% on Subsidized &amp; Unsubsidized Undergraduate Direct Loans<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_8d0e91-7c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_8d0e91-7c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">7.94% on Unsubsidized Graduate Direct Loans.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_021910-3a, .wp-block-kadence-advancedheading.kt-adv-heading871_021910-3a[data-kb-block=\"kb-adv-heading871_021910-3a\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_021910-3a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_021910-3a[data-kb-block=\"kb-adv-heading871_021910-3a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_021910-3a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_021910-3a[data-kb-block=\"kb-adv-heading871_021910-3a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_021910-3a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_021910-3a\">The origination fee for a Direct Loan is 1.057% for loans originated on or after October 1, 2020.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_a3e831-a0, .wp-block-kadence-advancedheading.kt-adv-heading871_a3e831-a0[data-kb-block=\"kb-adv-heading871_a3e831-a0\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_a3e831-a0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_a3e831-a0[data-kb-block=\"kb-adv-heading871_a3e831-a0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_a3e831-a0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_a3e831-a0[data-kb-block=\"kb-adv-heading871_a3e831-a0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_a3e831-a0 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_a3e831-a0\"><strong>Federal Direct PLUS Loan Rates and Fees:<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_d4f85c-3d:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_d4f85c-3d ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_d4f85c-3d ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_d4f85c-3d .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_d4f85c-3d ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_d4f85c-3d ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_d4f85c-3d ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_d4f85c-3d ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_d4f85c-3d kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_2c9442-bc .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_2c9442-bc\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">PLUS Loans with a first disbursement date on or after July 1, 2025 and before July 1, 2026 will have an interest rate of 8.94%<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_ba7eb0-7f .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_ba7eb0-7f\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">The origination fee for a Federal Direct PLUS Loan is 4.228% on or after October 1, 2020<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns871_f5150e-b0{padding-left:0px;gap:25px;justify-content:center;align-items:center;}.kt-btns871_f5150e-b0 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kt-btns871_f5150e-b0, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_f5150e-b0, .wp-block-kadence-advancedbtn.kb-btns871_f5150e-b0, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_f5150e-b0{margin-bottom:0px;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns871_f5150e-b0{padding-right:50px;padding-left:50px;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kt-btns871_f5150e-b0, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_f5150e-b0, .wp-block-kadence-advancedbtn.kb-btns871_f5150e-b0, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_f5150e-b0{margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_f5150e-b0{padding-right:25px;padding-left:25px;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns871_f5150e-b0 um-UMBHBlueButton\"><style>.wp-block-kadence-advancedbtn .kb-btn871_a6293f-7e.kb-button{color:#082e58;background:#79bde8;font-size:16px;font-family:'Chakra Petch';font-weight:600;text-transform:uppercase;border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;margin-bottom:0px;}.wp-block-kadence-advancedbtn .kb-btn871_a6293f-7e.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_a6293f-7e.kb-button:focus{color:#ffffff;background:#082e58;border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_a6293f-7e.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_a6293f-7e.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_a6293f-7e.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn871_a6293f-7e.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_a6293f-7e.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_a6293f-7e.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn871_a6293f-7e kt-btn-size-standard kt-btn-width-type-fixed kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/studentaid.gov\/understand-aid\/types\/loans\/interest-rates\"><span class=\"kt-btn-inner-text\">See full details<\/span><\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-23 kt-pane871_48d723-ca\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">Annual Federal Borrowing Limits<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_d0b5c7-c7, .wp-block-kadence-advancedheading.kt-adv-heading871_d0b5c7-c7[data-kb-block=\"kb-adv-heading871_d0b5c7-c7\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_d0b5c7-c7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_d0b5c7-c7[data-kb-block=\"kb-adv-heading871_d0b5c7-c7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_d0b5c7-c7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_d0b5c7-c7[data-kb-block=\"kb-adv-heading871_d0b5c7-c7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_d0b5c7-c7 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_d0b5c7-c7\">Federal regulations specify the maximum Federal Direct Loan amount any student can borrow each academic year, depending upon grade level. Actual eligibility is specified on the University of Maine Financial Aid Offer, and may be less than the annual maximum:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><th>Annual Loan Limits by Grade Level<\/th><th>Dependent Students (except students whose parents are unable to obtain PLUS Loans)<\/th><th>Independent Students (and dependent undergraduate students whose parents are unable to obtain PLUS Loans)<\/th><\/tr><tr><th>First-Year Undergraduate (0-23 credits)<\/th><td>$5,500-No more than $3,500 of this amount may be in subsidized loans.<\/td><td>$9,500-No more than $3,500 of this amount may be in subsidized loans.<\/td><\/tr><tr><th>Second-Year Undergraduate (24-53 credits)<\/th><td>$6,500-No more than $4,500 of this amount may be in subsidized loans.<\/td><td>$10,500-No more than $4,500 of this amount may be in subsidized loans.<\/td><\/tr><tr><th>Third Year and Beyond Undergraduate (54+ credits)<\/th><td>$7,500 per year-No more than $5,500 of this amount may be in subsidized loans.<\/td><td>$12,500-No more than $5,500 of this amount may be in subsidized loans.<\/td><\/tr><tr><th>Graduate or Professional Student<\/th><td>Not Applicable (all graduate and professional degree students are considered independent).<\/td><td>$20,500 (unsubsidized only).<\/td><\/tr><tr><th>Subsidized and Unsubsidized Aggregate Loan Limit<\/th><td>$31,000-No more than $23,000 of this amount may be in subsidized loans.<\/td><td>$57,500 for undergraduates-No more than $23,000 of this amount may be in subsidized loans. $138,500 for graduate or professional students-No more than $65,500 of this amount may be in subsidized loans. The graduate aggregate limit includes all federal loans received for undergraduate study.<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-pane kt-accordion-pane kt-accordion-pane-24 kt-pane871_505d2d-ab\"><div class=\"kt-accordion-header-wrap\"><button class=\"kt-blocks-accordion-header kt-acccordion-button-label-show\" type=\"button\"><span class=\"kt-blocks-accordion-title-wrap\"><span class=\"kt-blocks-accordion-title\">LIFETIME FEDERAL BORROWING LIMITS<\/span><\/span><span class=\"kt-blocks-accordion-icon-trigger\"><\/span><\/button><\/div><div class=\"kt-accordion-panel kt-accordion-panel-hidden\"><div class=\"kt-accordion-panel-inner\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_0427a3-ed, .wp-block-kadence-advancedheading.kt-adv-heading871_0427a3-ed[data-kb-block=\"kb-adv-heading871_0427a3-ed\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_0427a3-ed mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_0427a3-ed[data-kb-block=\"kb-adv-heading871_0427a3-ed\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_0427a3-ed img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_0427a3-ed[data-kb-block=\"kb-adv-heading871_0427a3-ed\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_0427a3-ed wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_0427a3-ed\">There are lifetime limits regarding how much Direct Loan you can borrow. The limits, effective July 1, 2008, are as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Grade Level and Dependency<\/strong><\/td><td><strong>Maximum Direct Subsidized<\/strong><\/td><td><strong>Maximum Total Direct Loan <br>(Subsidized and Unsubsidized)<\/strong><\/td><\/tr><tr><td>Dependent undergraduate<\/td><td>$23,000<\/td><td>$31,000<\/td><\/tr><tr><td>Independent undergraduate<\/td><td>$23,000<\/td><td>$57,500<\/td><\/tr><tr><td>Graduate student<\/td><td>$65,500<\/td><td>$138,500<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><em>Note: The graduate debt limit includes loans received for undergraduate study.<\/em><\/figcaption><\/figure>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id871_4c1de7-e2 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id871_4c1de7-e2 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id871_4c1de7-e2 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:50px;padding-bottom:24px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id871_4c1de7-e2 > .kt-row-layout-overlay{opacity:0.30;}@media all and (min-width: 1025px){.kb-row-layout-id871_4c1de7-e2{display:none !important;}}@media all and (max-width: 1024px){.kb-row-layout-id871_4c1de7-e2 > .kt-row-column-wrap{padding-top:0px;padding-right:50px;padding-bottom:0px;padding-left:50px;grid-template-columns:minmax(0, 1fr);}}@media all and (min-width: 768px) and (max-width: 1024px){.kb-row-layout-id871_4c1de7-e2{display:none !important;}}@media all and (max-width: 767px){.kb-row-layout-id871_4c1de7-e2 > .kt-row-column-wrap{padding-right:25px;padding-left:25px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id871_4c1de7-e2{display:none !important;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id871_4c1de7-e2 alignnone kb-v-lg-hidden kb-v-md-hidden kb-v-sm-hidden wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column871_72ff67-ec > .kt-inside-inner-col,.kadence-column871_72ff67-ec > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_72ff67-ec > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_72ff67-ec > .kt-inside-inner-col{flex-direction:column;}.kadence-column871_72ff67-ec > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column871_72ff67-ec > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_72ff67-ec{position:relative;}@media all and (max-width: 1024px){.kadence-column871_72ff67-ec > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column871_72ff67-ec > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_72ff67-ec kb-section-dir-vertical\"><div class=\"kt-inside-inner-col\"><style>.kt-tabs-id871_4f0bb2-49 > .kt-tabs-content-wrap > .wp-block-kadence-tab{border-top:3px solid #082e58;border-right:3px solid #082e58;border-bottom:3px solid #082e58;border-left:3px solid #082e58;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;padding-top:35px;padding-right:35px;padding-bottom:35px;padding-left:35px;min-height:375px;background:#ffffff;}.wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-title-list li{margin-top:5px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-title-list li .kt-tab-title, .wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-content-wrap > .kt-tabs-accordion-title .kt-tab-title{font-size:22px;line-height:1;font-family:stratum-1-web;font-weight:900;font-style:normal;text-transform:uppercase;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px;border-color:#082e58;color:#082e58;background:#e5f0f9;}.wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-content-wrap > .kt-tabs-accordion-title .kt-tab-title{margin-top:5px;margin-right:0px;margin-bottom:0px;margin-left:0px;}.wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-title-list li .kt-tab-title:hover, .wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-content-wrap > .kt-tabs-accordion-title .kt-tab-title:hover{border-color:#082e58;color:#ffffff;background:#082e58;}.wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-title-list li.kt-tab-title-active .kt-tab-title, .wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-content-wrap > .kt-tabs-accordion-title.kt-tab-title-active .kt-tab-title{border-color:#082e58;color:#ffffff;background:#082e58;}@media all and (min-width: 1025px){.wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49{display:flex;}.wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-title-list{float:none;width:30%;}.wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-content-wrap{float:none;width:auto;-webkit-flex:1;flex:1;}}@media all and (max-width: 1024px){.kt-tabs-id871_4f0bb2-49 > .kt-tabs-content-wrap > .wp-block-kadence-tab{border-top:3px solid #082e58;border-right:3px solid #082e58;border-bottom:3px solid #082e58;border-left:3px solid #082e58;}}@media all and (max-width: 1024px){.wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-title-list li .kt-tab-title, .wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-content-wrap > .kt-tabs-accordion-title .kt-tab-title{font-size:px;}}@media all and (max-width: 767px){.kt-tabs-id871_4f0bb2-49 > .kt-tabs-content-wrap > .wp-block-kadence-tab{border-top:3px solid #082e58;border-right:3px solid #082e58;border-bottom:3px solid #082e58;border-left:3px solid #082e58;}.wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-title-list li .kt-tab-title, .wp-block-kadence-tabs .kt-tabs-id871_4f0bb2-49 > .kt-tabs-content-wrap > .kt-tabs-accordion-title .kt-tab-title{font-size:px;}}<\/style>\n<div class=\"wp-block-kadence-tabs alignnone um-UMTabsBlue\"><div class=\"kt-tabs-wrap kt-tabs-id871_4f0bb2-49 kt-tabs-has-6-tabs kt-active-tab-1 kt-tabs-layout-vtabs kt-tabs-tablet-layout-accordion kt-tabs-mobile-layout-accordion kt-tab-alignment-left kt-create-accordion\" data-no-allow-multiple-open=\"true\"><ul class=\"kt-tabs-title-list\"><li id=\"tab-strongfederalloansstrong\" class=\"kt-title-item kt-title-item-1 kt-tabs-svg-show-always kt-tabs-icon-side-right kt-tab-title-active\"><a href=\"#tab-strongfederalloansstrong\" data-tab=\"1\" class=\"kt-tab-title kt-tab-title-1 \"><span class=\"kt-title-text\"><strong>Federal Loans<\/strong><\/span><\/a><\/li><li id=\"tab-strongalternativeloansstrong\" class=\"kt-title-item kt-title-item-2 kt-tabs-svg-show-always kt-tabs-icon-side-right kt-tab-title-inactive\"><a href=\"#tab-strongalternativeloansstrong\" data-tab=\"2\" class=\"kt-tab-title kt-tab-title-2 \"><span class=\"kt-title-text\"><strong>Alternative Loans<\/strong><\/span><\/a><\/li><li id=\"tab-strongdirectplusloansstrong\" class=\"kt-title-item kt-title-item-3 kt-tabs-svg-show-always kt-tabs-icon-side-right kt-tab-title-inactive\"><a href=\"#tab-strongdirectplusloansstrong\" data-tab=\"3\" class=\"kt-tab-title kt-tab-title-3 \"><span class=\"kt-title-text\"><strong>Direct Plus Loans<\/strong><\/span><\/a><\/li><li id=\"tab-strongfederalloanratesandfeesstrong\" class=\"kt-title-item kt-title-item-4 kt-tabs-svg-show-always kt-tabs-icon-side-right kt-tab-title-inactive\"><a href=\"#tab-strongfederalloanratesandfeesstrong\" data-tab=\"4\" class=\"kt-tab-title kt-tab-title-4 \"><span class=\"kt-title-text\"><strong>Federal Loan Rates and FEES<\/strong><\/span><\/a><\/li><li id=\"tab-strongannualfederalborrowinglimitsstrong\" class=\"kt-title-item kt-title-item-5 kt-tabs-svg-show-always kt-tabs-icon-side-right kt-tab-title-inactive\"><a href=\"#tab-strongannualfederalborrowinglimitsstrong\" data-tab=\"5\" class=\"kt-tab-title kt-tab-title-5 \"><span class=\"kt-title-text\"><strong>Annual Federal Borrowing Limits<\/strong><\/span><\/a><\/li><li id=\"tab-stronglifetimefederalborrowinglimitsstrong\" class=\"kt-title-item kt-title-item-6 kt-tabs-svg-show-always kt-tabs-icon-side-right kt-tab-title-inactive\"><a href=\"#tab-stronglifetimefederalborrowinglimitsstrong\" data-tab=\"6\" class=\"kt-tab-title kt-tab-title-6 \"><span class=\"kt-title-text\"><strong>LIFETIME FEDERAL BORROWING LIMITS<\/strong><\/span><\/a><\/li><\/ul><div class=\"kt-tabs-content-wrap\">\n<div class=\"wp-block-kadence-tab kt-tab-inner-content kt-inner-tab-1 kt-inner-tab871_d2ad40-d5\"><div class=\"kt-tab-inner-content-inner\">\n<p>Federal Direct Loans are available to most students who complete the FAFSA. <strong>In order to receive loans, students must complete the FAFSA and accept their loans in MaineStreet every year.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>First-time borrowers must complete the MPN and Entrance Counseling at studentaid.gov<\/strong> <strong>to receive loans<\/strong><\/li>\n\n\n\n<li>Loan amounts are based on academic grade level and financial need as determined on the FAFSA<\/li>\n\n\n\n<li>Interest rates are determined prior to the start of each upcoming academic year. Interest rates are fixed for the life of each loan.<\/li>\n\n\n\n<li>Students must begin making payments at the end of the <a href=\"https:\/\/studentaid.gov\/manage-loans\/repayment#grace\">grace period<\/a>, or within 6 months of graduating, dropping below half-time enrollment, or leaving school. Interest accrues during the grace period, and there are no penalties for making early payments. <\/li>\n<\/ul>\n\n\n\n<p><strong>Federal Direct Subsidized Loans<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>The federal government subsidizes (pays the interest on)<\/strong> the loan while the student is enrolled at least half-time<\/li>\n\n\n\n<li>Based on a student&#8217;s financial need (including their SAI) as determined on the FAFSA<\/li>\n<\/ul>\n\n\n\n<p><strong>Federal Direct Unsubsidized Loans<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Interest accrues while the student is in school.<\/strong> The student can choose to either pay the interest while in school or have the interest added to the loan principal to be repaid later.<\/li>\n\n\n\n<li>Graduate students are only eligible for unsubsidized loans.<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/studentaid.gov\/understand-aid\/types\/loans\/subsidized-unsubsidized\">Click here for full details on Federal Direct Student Loans.<\/a><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-tab kt-tab-inner-content kt-inner-tab-2 kt-inner-tab871_07a3b6-55\"><div class=\"kt-tab-inner-content-inner\">\n<p>Alternative student loans are available from private lenders. <strong>We strongly recommend that students accept their Federal Direct&nbsp;Loan eligibility before applying for an alternative loan. <\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Apply directly through the lender<\/li>\n\n\n\n<li>Typically requires a credit check and cosigner<\/li>\n\n\n\n<li>Deferred payment options may be available<\/li>\n\n\n\n<li>Interest rates vary<\/li>\n<\/ul>\n\n\n\n<p>If you do not accept your full Federal Direct&nbsp;Loan eligibility, certification of your alternative loan could be delayed. Contact our office if you have applied for an alternative loan and do not wish to borrow your Federal Direct&nbsp;Loan.<\/p>\n\n\n\n<p><strong>Questions to ask a lender before applying for an alternative loan:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Is there a minimum amount I have to borrow?<\/li>\n\n\n\n<li>Are payments required while I&#8217;m in school?<\/li>\n\n\n\n<li>What is the interest rate? Is it fixed or variable?<\/li>\n\n\n\n<li>What are the repayment terms?<\/li>\n\n\n\n<li>Can the loan be used to pay for prior balances?<\/li>\n<\/ul>\n\n\n\n<p><strong>Use <a href=\"https:\/\/www.elmselect.com\/v4\/school\/395\/program-select\">ELMSelect&#8217;s lender comparison tool<\/a> to begin researching alternative loan options.<\/strong><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-tab kt-tab-inner-content kt-inner-tab-3 kt-inner-tab871_922cd8-a3\"><div class=\"kt-tab-inner-content-inner\">\n<p>Federal Direct PLUS Loans are provided by the Department of Education to&nbsp;<strong>graduate students&nbsp;<\/strong>and&nbsp;<strong>parents of dependent undergraduate students<\/strong>. <\/p>\n\n\n\n<p><strong>Students must file a FAFSA each year in order to be eligible for a PLUS Loan.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Apply directly at <a href=\"http:\/\/studentaid.gov\">studentaid.gov<\/a><\/li>\n\n\n\n<li>Requires a credit check\n<ul class=\"wp-block-list\">\n<li>Undergraduate students whose parent borrower is denied a PLUS loan may be offered additional federal loans.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Deferred payment options are available\n<ul class=\"wp-block-list\">\n<li>Payments are deferred automatically for graduate students<\/li>\n\n\n\n<li>Repayment schedule is over 10 years<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Interest rates are fixed each year<\/li>\n<\/ul>\n\n\n\n<p><strong>How to Apply<\/strong><\/p>\n\n\n\n<p><em>Parent Borrowers:<\/em><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to&nbsp;<a href=\"https:\/\/studentaid.gov\/\">https:\/\/studentaid.gov<\/a>&nbsp;and log in using the parent borrower\u2019s name, SSN, Date of Birth, and&nbsp;<a href=\"https:\/\/umaine.edu\/stuaid\/aid-basics\/fafsa-101\/fsa-id\/\" target=\"_blank\" rel=\"noreferrer noopener\">FSA ID<\/a>.<\/li>\n\n\n\n<li>Choose option Request a PLUS Loan. This process will determine whether you are approved or denied,<\/li>\n\n\n\n<li>If you are approved, you must choose the option Complete Master Promissory Note (new borrowers and borrowers who use an endorser need to complete the MPN)<\/li>\n<\/ol>\n\n\n\n<p><em>Graduate Student Borrowers:<\/em><\/p>\n\n\n\n<p>Go to&nbsp;<a href=\"https:\/\/studentaid.gov\/\">https:\/\/studentaid.gov<\/a>&nbsp;and log in using the graduate student\u2019s name, SSN, Date of Birth, and&nbsp;<a href=\"https:\/\/umaine.edu\/stuaid\/aid-basics\/fafsa-101\/fsa-id\/\" target=\"_blank\" rel=\"noreferrer noopener\">FSA ID<\/a>.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Choose option Request a PLUS Loan. This process will determine whether you are approved or denied<\/li>\n\n\n\n<li>If you are approved, you must choose the option Complete Master Promissory Note (new borrowers and borrowers who use an endorser need to complete the MPN)<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-tab kt-tab-inner-content kt-inner-tab-4 kt-inner-tab871_1262a1-f3\"><div class=\"kt-tab-inner-content-inner\">\n<p><strong>Federal Direct Loan Rates and Fees:<\/strong><\/p>\n\n\n\n<p>The interest rates for Direct Loans with a first disbursement date on or after July 1, 2025 and before July 1, 2026 are:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>6.39% on Subsidized &amp; Unsubsidized Undergraduate Direct Loans<\/li>\n\n\n\n<li>7.94% on Unsubsidized Graduate Direct Loans.<\/li>\n<\/ul>\n\n\n\n<p>The origination fee for a Direct Loan is 1.057% for loans originated on or after October 1, 2020.<\/p>\n\n\n<style>.wp-block-kadence-spacer.kt-block-spacer-871_8499b9-ea .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-871_8499b9-ea .kt-divider{border-top-width:1px;height:1px;border-top-color:#8ed1fc;width:80%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-871_8499b9-ea\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\" \/><\/div><\/div>\n\n\n\n<p><strong>Federal Direct PLUS Loan Rates and Fees:<\/strong><\/p>\n\n\n\n<p>PLUS Loans with a first disbursement date on or after July 1, 2025 and before July 1, 2026 will have an interest rate of 8.94%.<\/p>\n\n\n\n<p>The origination fee for a Federal Direct PLUS Loan is 4.228% on or after October 1, 2020.<\/p>\n\n\n<style>.wp-block-kadence-spacer.kt-block-spacer-871_642c67-64 .kt-block-spacer{height:60px;}.wp-block-kadence-spacer.kt-block-spacer-871_642c67-64 .kt-divider{border-top-width:1px;height:1px;border-top-color:#8ed1fc;width:80%;border-top-style:solid;}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-871_642c67-64\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><hr class=\"kt-divider\" \/><\/div><\/div>\n\n\n\n<p><strong><a href=\"https:\/\/studentaid.gov\/understand-aid\/types\/loans\/interest-rates\">Full details on historic Federal Loan Interest Rates and Fees<\/a><\/strong><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-tab kt-tab-inner-content kt-inner-tab-5 kt-inner-tab871_9d0647-0f\"><div class=\"kt-tab-inner-content-inner\">\n<p>Federal regulations specify the maximum Federal Direct Loan amount any student can borrow each academic year, depending upon grade level. Actual eligibility is specified on the University of Maine Financial Aid Offer, and may be less than the annual maximum:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><th>Annual Loan Limits by Grade Level<\/th><th>Dependent Students (except students whose parents are unable to obtain PLUS Loans)<\/th><th>Independent Students (and dependent undergraduate students whose parents are unable to obtain PLUS Loans)<\/th><\/tr><tr><th>First-Year Undergraduate (0-23 credits)<\/th><td>$5,500-No more than $3,500 of this amount may be in subsidized loans.<\/td><td>$9,500-No more than $3,500 of this amount may be in subsidized loans.<\/td><\/tr><tr><th>Second-Year Undergraduate (24-53 credits)<\/th><td>$6,500-No more than $4,500 of this amount may be in subsidized loans.<\/td><td>$10,500-No more than $4,500 of this amount may be in subsidized loans.<\/td><\/tr><tr><th>Third Year and Beyond Undergraduate (54+ credits)<\/th><td>$7,500 per year-No more than $5,500 of this amount may be in subsidized loans.<\/td><td>$12,500-No more than $5,500 of this amount may be in subsidized loans.<\/td><\/tr><tr><th>Graduate or Professional Student<\/th><td>Not Applicable (all graduate and professional degree students are considered independent).<\/td><td>$20,500 (unsubsidized only).<\/td><\/tr><tr><th>Subsidized and Unsubsidized Aggregate Loan Limit<\/th><td>$31,000-No more than $23,000 of this amount may be in subsidized loans.<\/td><td>$57,500 for undergraduates-No more than $23,000 of this amount may be in subsidized loans. $138,500 for graduate or professional students-No more than $65,500 of this amount may be in subsidized loans. The graduate aggregate limit includes all federal loans received for undergraduate study.<\/td><\/tr><\/tbody><\/table><\/figure>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-kadence-tab kt-tab-inner-content kt-inner-tab-6 kt-inner-tab871_6e4d09-4e\"><div class=\"kt-tab-inner-content-inner\">\n<p>There are lifetime limits regarding how much Direct Loan you can borrow. The limits, effective July 1, 2008, are as follows:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Grade Level and Dependency<\/strong><\/td><td><strong>Maximum Direct Subsidized<\/strong><\/td><td><strong>Maximum Total Direct Loan <br>(Subsidized and Unsubsidized)<\/strong><\/td><\/tr><tr><td>Dependent undergraduate<\/td><td>$23,000<\/td><td>$31,000<\/td><\/tr><tr><td>Independent undergraduate<\/td><td>$23,000<\/td><td>$57,500<\/td><\/tr><tr><td>Graduate student<\/td><td>$65,500<\/td><td>$138,500<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\"><em>Note: The graduate debt limit includes loans received for undergraduate study.<\/em><\/figcaption><\/figure>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id871_121dc7-8a > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id871_121dc7-8a > .kt-row-column-wrap) > 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1024px){.kadence-column871_a2f3bb-0d > .kt-inside-inner-col{border-top:3px solid #ed6f48;border-right:3px solid #ed6f48;border-bottom:3px solid #ed6f48;border-left:3px solid #ed6f48;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column871_a2f3bb-0d, .kt-inside-inner-col > .kadence-column871_a2f3bb-0d:not(.specificity){margin-top:40px;}}@media all and (max-width: 767px){.kadence-column871_a2f3bb-0d > .kt-inside-inner-col{padding-right:25px;padding-left:25px;border-top:3px solid #ed6f48;border-right:3px solid #ed6f48;border-bottom:3px solid #ed6f48;border-left:3px solid #ed6f48;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_a2f3bb-0d\" id=\"master-promissory-note\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_f72df8-bb, .wp-block-kadence-advancedheading.kt-adv-heading871_f72df8-bb[data-kb-block=\"kb-adv-heading871_f72df8-bb\"]{padding-top:0px;padding-bottom:0px;text-align:center;font-size:32px;line-height:1;font-weight:900;font-style:normal;font-family:stratum-1-web;text-transform:uppercase;color:#003263;}.wp-block-kadence-advancedheading.kt-adv-heading871_f72df8-bb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_f72df8-bb[data-kb-block=\"kb-adv-heading871_f72df8-bb\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_f72df8-bb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_f72df8-bb[data-kb-block=\"kb-adv-heading871_f72df8-bb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_f72df8-bb, .wp-block-kadence-advancedheading.kt-adv-heading871_f72df8-bb[data-kb-block=\"kb-adv-heading871_f72df8-bb\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_f72df8-bb, .wp-block-kadence-advancedheading.kt-adv-heading871_f72df8-bb[data-kb-block=\"kb-adv-heading871_f72df8-bb\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_f72df8-bb wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_f72df8-bb\">Master Promissory Note<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_be1d01-99, .wp-block-kadence-advancedheading.kt-adv-heading871_be1d01-99[data-kb-block=\"kb-adv-heading871_be1d01-99\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_be1d01-99 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_be1d01-99[data-kb-block=\"kb-adv-heading871_be1d01-99\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_be1d01-99 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_be1d01-99[data-kb-block=\"kb-adv-heading871_be1d01-99\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_be1d01-99 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_be1d01-99\">The Master Promissory Note (MPN) is a legal document in which you promise to repay your loans(s) and any accrued interest and fees to the U.S. Department of Education.&nbsp; <\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_f85dd7-89, .wp-block-kadence-advancedheading.kt-adv-heading871_f85dd7-89[data-kb-block=\"kb-adv-heading871_f85dd7-89\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_f85dd7-89 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_f85dd7-89[data-kb-block=\"kb-adv-heading871_f85dd7-89\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_f85dd7-89 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_f85dd7-89[data-kb-block=\"kb-adv-heading871_f85dd7-89\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_f85dd7-89 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_f85dd7-89\">It also explains the terms and conditions of your loan(s), including how interest is calculated, when interest is charged, available repayment plans, and deferment and cancellation provisions.<\/p>\n\n\n<style>.kb-row-layout-id871_72e384-b2 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id871_72e384-b2 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id871_72e384-b2 > .kt-row-column-wrap{column-gap:40px;row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-bottom:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id871_72e384-b2 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id871_72e384-b2 > .kt-row-column-wrap{padding-right:50px;padding-left:50px;grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id871_72e384-b2 > .kt-row-column-wrap{padding-top:20px;padding-right:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id871_72e384-b2 alignnone um-UMBHBlueButtonSet wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column871_6c47a0-23 > .kt-inside-inner-col,.kadence-column871_6c47a0-23 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_6c47a0-23 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_6c47a0-23 > .kt-inside-inner-col{flex-direction:column;}.kadence-column871_6c47a0-23 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column871_6c47a0-23 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_6c47a0-23{position:relative;}@media all and (max-width: 1024px){.kadence-column871_6c47a0-23 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column871_6c47a0-23 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_6c47a0-23\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedbtn.kt-btns871_24872f-59, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_24872f-59, .wp-block-kadence-advancedbtn.kb-btns871_24872f-59, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_24872f-59{margin-top:0px;margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_24872f-59{gap:25px;justify-content:flex-start;align-items:center;}.kt-btns871_24872f-59 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kt-btns871_24872f-59, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_24872f-59, .wp-block-kadence-advancedbtn.kb-btns871_24872f-59, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_24872f-59{margin-bottom:0px;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns871_24872f-59{justify-content:center;align-items:flex-start;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kt-btns871_24872f-59, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_24872f-59, .wp-block-kadence-advancedbtn.kb-btns871_24872f-59, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_24872f-59{margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_24872f-59{justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns871_24872f-59\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn871_9572af-cb.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn871_9572af-cb.kb-button{color:#082e58;background:#79bde8;font-size:16px;font-family:'Chakra Petch';font-weight:600;text-transform:uppercase;border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_9572af-cb.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_9572af-cb.kb-button:focus{color:#ffffff;background:#082e58;border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_9572af-cb.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_9572af-cb.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_9572af-cb.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn871_9572af-cb.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_9572af-cb.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_9572af-cb.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn871_9572af-cb kt-btn-size-standard kt-btn-width-type-full kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/studentaid.gov\/mpn\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">Direct Loan<\/span><\/a><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column871_b7acfb-b3 > .kt-inside-inner-col,.kadence-column871_b7acfb-b3 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_b7acfb-b3 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_b7acfb-b3 > .kt-inside-inner-col{flex-direction:column;}.kadence-column871_b7acfb-b3 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column871_b7acfb-b3 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_b7acfb-b3{position:relative;}@media all and (max-width: 1024px){.kadence-column871_b7acfb-b3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column871_b7acfb-b3 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column871_b7acfb-b3, .kt-inside-inner-col > .kadence-column871_b7acfb-b3:not(.specificity){margin-top:-15px;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_b7acfb-b3\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedbtn.kt-btns871_1d1655-d3, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_1d1655-d3, .wp-block-kadence-advancedbtn.kb-btns871_1d1655-d3, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_1d1655-d3{margin-top:0px;margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_1d1655-d3{gap:25px;justify-content:flex-start;align-items:center;}.kt-btns871_1d1655-d3 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kt-btns871_1d1655-d3, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_1d1655-d3, .wp-block-kadence-advancedbtn.kb-btns871_1d1655-d3, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_1d1655-d3{margin-bottom:0px;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns871_1d1655-d3{justify-content:center;align-items:flex-start;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kt-btns871_1d1655-d3, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_1d1655-d3, .wp-block-kadence-advancedbtn.kb-btns871_1d1655-d3, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_1d1655-d3{margin-top:0px;margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_1d1655-d3{justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns871_1d1655-d3\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn871_681e17-9c.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn871_681e17-9c.kb-button{color:#082e58;background:#79bde8;font-size:16px;font-family:'Chakra Petch';font-weight:600;text-transform:uppercase;border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_681e17-9c.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_681e17-9c.kb-button:focus{color:#ffffff;background:#082e58;border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_681e17-9c.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_681e17-9c.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_681e17-9c.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn871_681e17-9c.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_681e17-9c.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_681e17-9c.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn871_681e17-9c kt-btn-size-standard kt-btn-width-type-full kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/studentaid.gov\/mpn\/parentplus\/landing\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">PLUS LOAN<\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n\n<style>.kadence-column871_f0d025-53 > .kt-inside-inner-col{padding-top:20px;padding-right:60px;padding-bottom:35px;padding-left:60px;}.kadence-column871_f0d025-53 > .kt-inside-inner-col{border-top:3px solid #ed6f48;border-right:3px solid #ed6f48;border-bottom:3px solid #ed6f48;border-left:3px solid #ed6f48;}.kadence-column871_f0d025-53 > .kt-inside-inner-col,.kadence-column871_f0d025-53 > .kt-inside-inner-col:before{border-top-left-radius:35px;border-top-right-radius:0px;border-bottom-right-radius:35px;}.kadence-column871_f0d025-53 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_f0d025-53 > .kt-inside-inner-col{flex-direction:column;}.kadence-column871_f0d025-53 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column871_f0d025-53 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_f0d025-53{position:relative;}@media all and (max-width: 1024px){.kadence-column871_f0d025-53 > .kt-inside-inner-col{border-top:3px solid #ed6f48;border-right:3px solid #ed6f48;border-bottom:3px solid #ed6f48;border-left:3px solid #ed6f48;flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column871_f0d025-53, .kt-inside-inner-col > .kadence-column871_f0d025-53:not(.specificity){margin-top:40px;}}@media all and (max-width: 767px){.kadence-column871_f0d025-53 > .kt-inside-inner-col{padding-right:25px;padding-left:25px;border-top:3px solid #ed6f48;border-right:3px solid #ed6f48;border-bottom:3px solid #ed6f48;border-left:3px solid #ed6f48;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_f0d025-53\" id=\"loan-entrance-counseling-center\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_850bb1-99, .wp-block-kadence-advancedheading.kt-adv-heading871_850bb1-99[data-kb-block=\"kb-adv-heading871_850bb1-99\"]{padding-top:0px;padding-bottom:0px;text-align:center;font-size:32px;line-height:1em;font-weight:900;font-style:normal;font-family:stratum-1-web;text-transform:uppercase;color:#003263;}.wp-block-kadence-advancedheading.kt-adv-heading871_850bb1-99 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_850bb1-99[data-kb-block=\"kb-adv-heading871_850bb1-99\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_850bb1-99 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_850bb1-99[data-kb-block=\"kb-adv-heading871_850bb1-99\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_850bb1-99, .wp-block-kadence-advancedheading.kt-adv-heading871_850bb1-99[data-kb-block=\"kb-adv-heading871_850bb1-99\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_850bb1-99, .wp-block-kadence-advancedheading.kt-adv-heading871_850bb1-99[data-kb-block=\"kb-adv-heading871_850bb1-99\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_850bb1-99 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_850bb1-99\">Loan Entrance Counseling<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_e3708d-c8, .wp-block-kadence-advancedheading.kt-adv-heading871_e3708d-c8[data-kb-block=\"kb-adv-heading871_e3708d-c8\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_e3708d-c8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_e3708d-c8[data-kb-block=\"kb-adv-heading871_e3708d-c8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_e3708d-c8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_e3708d-c8[data-kb-block=\"kb-adv-heading871_e3708d-c8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_e3708d-c8 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_e3708d-c8\">First-time borrowers of Federal Direct loans must complete entrance counseling before UMaine can release the loan.&nbsp; Entrance counseling is also required for Federal Grad PLUS loan borrowers who never previously borrowed a Federal Grad PLUS loan.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_20caf3-27, .wp-block-kadence-advancedheading.kt-adv-heading871_20caf3-27[data-kb-block=\"kb-adv-heading871_20caf3-27\"]{font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_20caf3-27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_20caf3-27[data-kb-block=\"kb-adv-heading871_20caf3-27\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_20caf3-27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_20caf3-27[data-kb-block=\"kb-adv-heading871_20caf3-27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading871_20caf3-27 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_20caf3-27\">Entrance counseling ensures that the borrower understands the terms and conditions of the loan, as well as borrower rights and responsibilities.<\/p>\n\n\n<style>.kb-row-layout-id871_e4224f-39 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id871_e4224f-39 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id871_e4224f-39 > .kt-row-column-wrap{column-gap:40px;row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-bottom:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id871_e4224f-39 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id871_e4224f-39 > .kt-row-column-wrap{padding-right:50px;padding-left:50px;grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id871_e4224f-39 > .kt-row-column-wrap{padding-top:20px;padding-right:0px;padding-left:0px;grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id871_e4224f-39 alignnone um-UMBHBlueButtonSet wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column871_a99c24-7e > .kt-inside-inner-col,.kadence-column871_a99c24-7e > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_a99c24-7e > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_a99c24-7e > .kt-inside-inner-col{flex-direction:column;}.kadence-column871_a99c24-7e > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column871_a99c24-7e > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_a99c24-7e{position:relative;}@media all and (max-width: 1024px){.kadence-column871_a99c24-7e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column871_a99c24-7e > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_a99c24-7e\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedbtn.kt-btns871_14b8c2-26, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_14b8c2-26, .wp-block-kadence-advancedbtn.kb-btns871_14b8c2-26, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_14b8c2-26{margin-top:0px;margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_14b8c2-26{gap:25px;justify-content:flex-start;align-items:center;}.kt-btns871_14b8c2-26 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kt-btns871_14b8c2-26, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_14b8c2-26, .wp-block-kadence-advancedbtn.kb-btns871_14b8c2-26, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_14b8c2-26{margin-bottom:0px;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns871_14b8c2-26{justify-content:center;align-items:flex-start;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kt-btns871_14b8c2-26, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_14b8c2-26, .wp-block-kadence-advancedbtn.kb-btns871_14b8c2-26, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_14b8c2-26{margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_14b8c2-26{justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns871_14b8c2-26\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn871_0c21f2-cd.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn871_0c21f2-cd.kb-button{color:#082e58;background:#79bde8;font-size:16px;font-family:'Chakra Petch';font-weight:600;text-transform:uppercase;border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_0c21f2-cd.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_0c21f2-cd.kb-button:focus{color:#ffffff;background:#082e58;border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_0c21f2-cd.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_0c21f2-cd.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_0c21f2-cd.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn871_0c21f2-cd.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_0c21f2-cd.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_0c21f2-cd.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn871_0c21f2-cd kt-btn-size-standard kt-btn-width-type-full kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/studentaid.gov\/app\/counselingInstructions.action?counselingType=entrance\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">Direct LOAN <\/span><\/a><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column871_ec2211-e5 > .kt-inside-inner-col,.kadence-column871_ec2211-e5 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_ec2211-e5 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_ec2211-e5 > .kt-inside-inner-col{flex-direction:column;}.kadence-column871_ec2211-e5 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column871_ec2211-e5 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_ec2211-e5{position:relative;}@media all and (max-width: 1024px){.kadence-column871_ec2211-e5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column871_ec2211-e5 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column871_ec2211-e5, .kt-inside-inner-col > .kadence-column871_ec2211-e5:not(.specificity){margin-top:-15px;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_ec2211-e5\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedbtn.kt-btns871_9581d2-e9, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_9581d2-e9, .wp-block-kadence-advancedbtn.kb-btns871_9581d2-e9, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_9581d2-e9{margin-top:0px;margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_9581d2-e9{gap:25px;justify-content:flex-start;align-items:center;}.kt-btns871_9581d2-e9 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kt-btns871_9581d2-e9, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_9581d2-e9, .wp-block-kadence-advancedbtn.kb-btns871_9581d2-e9, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_9581d2-e9{margin-bottom:0px;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns871_9581d2-e9{justify-content:center;align-items:flex-start;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kt-btns871_9581d2-e9, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_9581d2-e9, .wp-block-kadence-advancedbtn.kb-btns871_9581d2-e9, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_9581d2-e9{margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_9581d2-e9{justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns871_9581d2-e9\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn871_04af18-5d.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn871_04af18-5d.kb-button{color:#082e58;background:#79bde8;font-size:16px;font-family:'Chakra Petch';font-weight:600;text-transform:uppercase;border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_04af18-5d.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_04af18-5d.kb-button:focus{color:#ffffff;background:#082e58;border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_04af18-5d.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_04af18-5d.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_04af18-5d.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn871_04af18-5d.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_04af18-5d.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_04af18-5d.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn871_04af18-5d kt-btn-size-standard kt-btn-width-type-full kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/studentaid.gov\/app\/counselingInstructions.action?counselingType=entrance\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"kt-btn-inner-text\">PLUS LOAN<\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id871_edb124-d9{margin-bottom:35px;}.kb-row-layout-id871_edb124-d9 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id871_edb124-d9 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id871_edb124-d9 > .kt-row-column-wrap{column-gap:44px;row-gap:var(--global-kb-gap-md, 2rem);max-width:1268px;padding-top:75px;padding-bottom:75px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id871_edb124-d9{background-image:linear-gradient(235deg,rgb(8,46,88) 0%,rgb(65,118,161) 100%);}.kb-row-layout-id871_edb124-d9 > .kt-row-layout-overlay{opacity:0.30;}.kb-row-layout-id871_edb124-d9 .kt-row-layout-bottom-sep{height:250px;}.kb-row-layout-id871_edb124-d9 .kt-row-layout-bottom-sep svg{width:125%;}.kb-row-layout-id871_edb124-d9 .kt-row-layout-bottom-sep svg{fill:#ffffff!important;}@media all and (max-width: 1024px){.kb-row-layout-id871_edb124-d9 > .kt-row-column-wrap{padding-right:50px;padding-left:50px;grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id871_edb124-d9 .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){.kb-row-layout-id871_edb124-d9 .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){.kb-row-layout-id871_edb124-d9 > .kt-row-column-wrap{padding-right:25px;padding-left:25px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id871_edb124-d9 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(1 of *:not(style)){order:1;}.kb-row-layout-id871_edb124-d9 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(2 of *:not(style)){order:11;}.kb-row-layout-id871_edb124-d9 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(3 of *:not(style)){order:21;}.kb-row-layout-id871_edb124-d9 > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(4 of *:not(style)){order:31;}.kb-row-layout-id871_edb124-d9 .kt-row-layout-bottom-sep{height:px;}.kb-row-layout-id871_edb124-d9 .kt-row-layout-bottom-sep svg{width:%;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id871_edb124-d9 alignfull kt-row-has-bg um-UMBHFeatureLeftTextWithImage wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column871_eb5ed7-51 > .kt-inside-inner-col{display:flex;}.kadence-column871_eb5ed7-51 > .kt-inside-inner-col{padding-top:60px;padding-right:170px;padding-bottom:60px;padding-left:170px;}.kadence-column871_eb5ed7-51 > .kt-inside-inner-col,.kadence-column871_eb5ed7-51 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_eb5ed7-51 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_eb5ed7-51 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column871_eb5ed7-51 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column871_eb5ed7-51 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column871_eb5ed7-51 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column871_eb5ed7-51{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_eb5ed7-51{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_eb5ed7-51 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column871_eb5ed7-51 > .kt-inside-inner-col{background-color:#ffffff;}.kadence-column871_eb5ed7-51 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_eb5ed7-51{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column871_eb5ed7-51{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_eb5ed7-51{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_eb5ed7-51 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column871_eb5ed7-51 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}@media all and (max-width: 767px){.kadence-column871_eb5ed7-51 > .kt-inside-inner-col{padding-right:35px;padding-left:35px;flex-direction:column;justify-content:center;align-items:center;}.kt-row-column-wrap > .kadence-column871_eb5ed7-51{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_eb5ed7-51{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_eb5ed7-51 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_eb5ed7-51\" id=\"plus-loan-denial\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_cef090-3a, .wp-block-kadence-advancedheading.kt-adv-heading871_cef090-3a[data-kb-block=\"kb-adv-heading871_cef090-3a\"]{padding-top:0px;padding-bottom:0px;margin-top:0px;margin-right:0px;text-align:center;font-size:32px;line-height:1;font-weight:900;font-style:normal;font-family:stratum-1-web;text-transform:uppercase;color:#003263;}.wp-block-kadence-advancedheading.kt-adv-heading871_cef090-3a mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_cef090-3a[data-kb-block=\"kb-adv-heading871_cef090-3a\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_cef090-3a img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_cef090-3a[data-kb-block=\"kb-adv-heading871_cef090-3a\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_cef090-3a, .wp-block-kadence-advancedheading.kt-adv-heading871_cef090-3a[data-kb-block=\"kb-adv-heading871_cef090-3a\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_cef090-3a, .wp-block-kadence-advancedheading.kt-adv-heading871_cef090-3a[data-kb-block=\"kb-adv-heading871_cef090-3a\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_cef090-3a wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_cef090-3a\">Plus Loan Denial<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_4f3a96-69, .wp-block-kadence-advancedheading.kt-adv-heading871_4f3a96-69[data-kb-block=\"kb-adv-heading871_4f3a96-69\"]{margin-top:0px;margin-bottom:0px;text-align:left;font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_4f3a96-69 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_4f3a96-69[data-kb-block=\"kb-adv-heading871_4f3a96-69\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_4f3a96-69 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_4f3a96-69[data-kb-block=\"kb-adv-heading871_4f3a96-69\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_4f3a96-69, .wp-block-kadence-advancedheading.kt-adv-heading871_4f3a96-69[data-kb-block=\"kb-adv-heading871_4f3a96-69\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_4f3a96-69, .wp-block-kadence-advancedheading.kt-adv-heading871_4f3a96-69[data-kb-block=\"kb-adv-heading871_4f3a96-69\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_4f3a96-69 wp-block-kadence-advancedheading has-black-color has-text-color\" data-kb-block=\"kb-adv-heading871_4f3a96-69\">If a parent is denied a&nbsp;<strong>Parent Direct PLUS Loan<\/strong>, students may be eligible for additional Direct Unsubsidized Loans. Students will be offered additional direct loan eligibility in MaineStreet if our office receives notification from the Department of Education that a Parent PLUS Loan application has been denied.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column871_91c463-a6 > .kt-inside-inner-col{display:flex;}.kadence-column871_91c463-a6 > .kt-inside-inner-col{padding-top:60px;padding-right:170px;padding-bottom:60px;padding-left:170px;}.kadence-column871_91c463-a6 > .kt-inside-inner-col,.kadence-column871_91c463-a6 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_91c463-a6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_91c463-a6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column871_91c463-a6 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column871_91c463-a6 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column871_91c463-a6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column871_91c463-a6{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_91c463-a6{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_91c463-a6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column871_91c463-a6 > .kt-inside-inner-col{background-color:#ffffff;}.kadence-column871_91c463-a6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_91c463-a6{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column871_91c463-a6{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_91c463-a6{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_91c463-a6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column871_91c463-a6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}@media all and (max-width: 767px){.kadence-column871_91c463-a6 > .kt-inside-inner-col{padding-right:35px;padding-left:35px;flex-direction:column;justify-content:center;align-items:center;}.kt-row-column-wrap > .kadence-column871_91c463-a6{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_91c463-a6{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_91c463-a6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_91c463-a6\" id=\"NSLDS\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_f6c9d0-16, .wp-block-kadence-advancedheading.kt-adv-heading871_f6c9d0-16[data-kb-block=\"kb-adv-heading871_f6c9d0-16\"]{padding-top:0px;padding-bottom:0px;margin-top:0px;margin-right:0px;text-align:center;font-size:32px;line-height:1;font-weight:900;font-style:normal;font-family:stratum-1-web;text-transform:uppercase;color:#003263;}.wp-block-kadence-advancedheading.kt-adv-heading871_f6c9d0-16 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_f6c9d0-16[data-kb-block=\"kb-adv-heading871_f6c9d0-16\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_f6c9d0-16 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_f6c9d0-16[data-kb-block=\"kb-adv-heading871_f6c9d0-16\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_f6c9d0-16, .wp-block-kadence-advancedheading.kt-adv-heading871_f6c9d0-16[data-kb-block=\"kb-adv-heading871_f6c9d0-16\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_f6c9d0-16, .wp-block-kadence-advancedheading.kt-adv-heading871_f6c9d0-16[data-kb-block=\"kb-adv-heading871_f6c9d0-16\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_f6c9d0-16 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_f6c9d0-16\">Manage your federal loans<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_6a815f-a2, .wp-block-kadence-advancedheading.kt-adv-heading871_6a815f-a2[data-kb-block=\"kb-adv-heading871_6a815f-a2\"]{margin-top:0px;margin-bottom:0px;text-align:left;font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_6a815f-a2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_6a815f-a2[data-kb-block=\"kb-adv-heading871_6a815f-a2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_6a815f-a2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_6a815f-a2[data-kb-block=\"kb-adv-heading871_6a815f-a2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_6a815f-a2, .wp-block-kadence-advancedheading.kt-adv-heading871_6a815f-a2[data-kb-block=\"kb-adv-heading871_6a815f-a2\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_6a815f-a2, .wp-block-kadence-advancedheading.kt-adv-heading871_6a815f-a2[data-kb-block=\"kb-adv-heading871_6a815f-a2\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_6a815f-a2 wp-block-kadence-advancedheading has-black-color has-text-color\" data-kb-block=\"kb-adv-heading871_6a815f-a2\">Log into StudentAid.Gov to keep track of your federal loans, grants, and work-study. This is where you can identify your servicer and learn how to make payments.<\/p>\n\n\n<style>.wp-block-kadence-advancedbtn.kt-btns871_b0dd9f-b3, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_b0dd9f-b3, .wp-block-kadence-advancedbtn.kb-btns871_b0dd9f-b3, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_b0dd9f-b3{margin-top:20px;}.wp-block-kadence-advancedbtn.kb-btns871_b0dd9f-b3{padding-left:0px;gap:25px;justify-content:flex-start;align-items:center;}.kt-btns871_b0dd9f-b3 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kt-btns871_b0dd9f-b3, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_b0dd9f-b3, .wp-block-kadence-advancedbtn.kb-btns871_b0dd9f-b3, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_b0dd9f-b3{margin-bottom:0px;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns871_b0dd9f-b3{padding-right:50px;padding-left:50px;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kt-btns871_b0dd9f-b3, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_b0dd9f-b3, .wp-block-kadence-advancedbtn.kb-btns871_b0dd9f-b3, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_b0dd9f-b3{margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_b0dd9f-b3{padding-right:0px;padding-left:0px;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns871_b0dd9f-b3 um-UMBHBlueButton\"><style>.wp-block-kadence-advancedbtn .kb-btn871_328e61-95.kb-button{color:#082e58;background:#79bde8;font-size:16px;font-family:'Chakra Petch';font-weight:600;text-transform:uppercase;border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;margin-bottom:0px;}.wp-block-kadence-advancedbtn .kb-btn871_328e61-95.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_328e61-95.kb-button:focus{color:#ffffff;background:#082e58;border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_328e61-95.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_328e61-95.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_328e61-95.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn871_328e61-95.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_328e61-95.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_328e61-95.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn871_328e61-95 kt-btn-size-standard kt-btn-width-type-fixed kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/studentaid.gov\/manage-loans\/repayment\/repaying-101\"><span class=\"kt-btn-inner-text\"><strong>studentaid.gov<\/strong><\/span><\/a><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column871_0081ff-38 > .kt-inside-inner-col{display:flex;}.kadence-column871_0081ff-38 > .kt-inside-inner-col{padding-top:60px;padding-right:170px;padding-bottom:60px;padding-left:170px;}.kadence-column871_0081ff-38 > .kt-inside-inner-col,.kadence-column871_0081ff-38 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_0081ff-38 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_0081ff-38 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column871_0081ff-38 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column871_0081ff-38 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column871_0081ff-38 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column871_0081ff-38{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_0081ff-38{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_0081ff-38 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column871_0081ff-38 > .kt-inside-inner-col{background-color:#ffffff;}.kadence-column871_0081ff-38 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_0081ff-38{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column871_0081ff-38{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_0081ff-38{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_0081ff-38 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column871_0081ff-38 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}@media all and (max-width: 767px){.kadence-column871_0081ff-38 > .kt-inside-inner-col{padding-right:35px;padding-left:35px;flex-direction:column;justify-content:center;align-items:center;}.kt-row-column-wrap > .kadence-column871_0081ff-38{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_0081ff-38{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_0081ff-38 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_0081ff-38\" id=\"exit\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_cf715d-60, .wp-block-kadence-advancedheading.kt-adv-heading871_cf715d-60[data-kb-block=\"kb-adv-heading871_cf715d-60\"]{padding-top:0px;padding-bottom:0px;margin-top:0px;margin-right:0px;text-align:center;font-size:32px;line-height:1;font-weight:900;font-style:normal;font-family:stratum-1-web;text-transform:uppercase;color:#003263;}.wp-block-kadence-advancedheading.kt-adv-heading871_cf715d-60 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_cf715d-60[data-kb-block=\"kb-adv-heading871_cf715d-60\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_cf715d-60 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_cf715d-60[data-kb-block=\"kb-adv-heading871_cf715d-60\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_cf715d-60, .wp-block-kadence-advancedheading.kt-adv-heading871_cf715d-60[data-kb-block=\"kb-adv-heading871_cf715d-60\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_cf715d-60, .wp-block-kadence-advancedheading.kt-adv-heading871_cf715d-60[data-kb-block=\"kb-adv-heading871_cf715d-60\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_cf715d-60 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_cf715d-60\">Loan exit counseling<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_a180d1-2f, .wp-block-kadence-advancedheading.kt-adv-heading871_a180d1-2f[data-kb-block=\"kb-adv-heading871_a180d1-2f\"]{margin-top:0px;margin-bottom:0px;text-align:left;font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_a180d1-2f mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_a180d1-2f[data-kb-block=\"kb-adv-heading871_a180d1-2f\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_a180d1-2f img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_a180d1-2f[data-kb-block=\"kb-adv-heading871_a180d1-2f\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_a180d1-2f, .wp-block-kadence-advancedheading.kt-adv-heading871_a180d1-2f[data-kb-block=\"kb-adv-heading871_a180d1-2f\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_a180d1-2f, .wp-block-kadence-advancedheading.kt-adv-heading871_a180d1-2f[data-kb-block=\"kb-adv-heading871_a180d1-2f\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_a180d1-2f wp-block-kadence-advancedheading has-black-color has-text-color\" data-kb-block=\"kb-adv-heading871_a180d1-2f\">Exit Counseling is an online educational course for borrowers of Federal Direct and Federal Grad PLUS loans.The counseling is require for all borrowers who are no longer attending, or are currently registered for less than six credits.&nbsp; Exit Counseling needs to be completed even if you are planning to continue your education at another institution.<br>During Exit Counseling, you will learn about the following:<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_04e98e-93:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_04e98e-93 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_04e98e-93 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_04e98e-93 .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_04e98e-93 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_04e98e-93 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_04e98e-93 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_04e98e-93 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_04e98e-93 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_d663d3-3e .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_d663d3-3e\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Loan consolidation<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_fe2a65-70 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_fe2a65-70\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Loan deferment<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_cd254d-99 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_cd254d-99\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Repayment options<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_5a6650-a3 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_5a6650-a3\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Loan forbearance<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedbtn.kt-btns871_f2e4db-bd, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_f2e4db-bd, .wp-block-kadence-advancedbtn.kb-btns871_f2e4db-bd, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_f2e4db-bd{margin-top:20px;}.wp-block-kadence-advancedbtn.kb-btns871_f2e4db-bd{padding-left:0px;gap:25px;justify-content:flex-start;align-items:center;}.kt-btns871_f2e4db-bd .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kt-btns871_f2e4db-bd, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_f2e4db-bd, .wp-block-kadence-advancedbtn.kb-btns871_f2e4db-bd, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_f2e4db-bd{margin-bottom:0px;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns871_f2e4db-bd{padding-right:50px;padding-left:50px;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kt-btns871_f2e4db-bd, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_f2e4db-bd, .wp-block-kadence-advancedbtn.kb-btns871_f2e4db-bd, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_f2e4db-bd{margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_f2e4db-bd{padding-right:0px;padding-left:0px;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns871_f2e4db-bd um-UMBHBlueButton\"><style>.wp-block-kadence-advancedbtn .kb-btn871_d9beda-19.kb-button{color:#082e58;background:#79bde8;font-size:16px;font-family:'Chakra Petch';font-weight:600;text-transform:uppercase;border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;margin-bottom:0px;}.wp-block-kadence-advancedbtn .kb-btn871_d9beda-19.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_d9beda-19.kb-button:focus{color:#ffffff;background:#082e58;border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_d9beda-19.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_d9beda-19.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_d9beda-19.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn871_d9beda-19.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_d9beda-19.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_d9beda-19.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn871_d9beda-19 kt-btn-size-standard kt-btn-width-type-fixed kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/studentaid.gov\/exit-counseling\/?counselingType=exit\"><span class=\"kt-btn-inner-text\"><strong>Federal direct loan exit counseling<\/strong><\/span><\/a><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column871_1ec3b7-56 > .kt-inside-inner-col{display:flex;}.kadence-column871_1ec3b7-56 > .kt-inside-inner-col{padding-top:60px;padding-right:170px;padding-bottom:60px;padding-left:170px;}.kadence-column871_1ec3b7-56 > .kt-inside-inner-col,.kadence-column871_1ec3b7-56 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_1ec3b7-56 > .kt-inside-inner-col{row-gap:var(--global-kb-gap-sm, 1rem);column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_1ec3b7-56 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column871_1ec3b7-56 > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column871_1ec3b7-56 > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column871_1ec3b7-56 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column871_1ec3b7-56{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_1ec3b7-56{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_1ec3b7-56 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column871_1ec3b7-56 > .kt-inside-inner-col{background-color:#ffffff;}.kadence-column871_1ec3b7-56 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_1ec3b7-56{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column871_1ec3b7-56{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_1ec3b7-56{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_1ec3b7-56 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column871_1ec3b7-56 > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}@media all and (max-width: 767px){.kadence-column871_1ec3b7-56 > .kt-inside-inner-col{padding-right:35px;padding-left:35px;flex-direction:column;justify-content:center;align-items:center;}.kt-row-column-wrap > .kadence-column871_1ec3b7-56{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_1ec3b7-56{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_1ec3b7-56 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_1ec3b7-56\" id=\"loan-forgiveness\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_fe4739-8b, .wp-block-kadence-advancedheading.kt-adv-heading871_fe4739-8b[data-kb-block=\"kb-adv-heading871_fe4739-8b\"]{padding-top:0px;padding-bottom:0px;margin-top:0px;margin-right:0px;text-align:center;font-size:32px;line-height:1;font-weight:900;font-style:normal;font-family:stratum-1-web;text-transform:uppercase;color:#003263;}.wp-block-kadence-advancedheading.kt-adv-heading871_fe4739-8b mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_fe4739-8b[data-kb-block=\"kb-adv-heading871_fe4739-8b\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_fe4739-8b img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_fe4739-8b[data-kb-block=\"kb-adv-heading871_fe4739-8b\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_fe4739-8b, .wp-block-kadence-advancedheading.kt-adv-heading871_fe4739-8b[data-kb-block=\"kb-adv-heading871_fe4739-8b\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_fe4739-8b, .wp-block-kadence-advancedheading.kt-adv-heading871_fe4739-8b[data-kb-block=\"kb-adv-heading871_fe4739-8b\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_fe4739-8b wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_fe4739-8b\">Loan Forgiveness<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_445a27-6e, .wp-block-kadence-advancedheading.kt-adv-heading871_445a27-6e[data-kb-block=\"kb-adv-heading871_445a27-6e\"]{margin-top:0px;margin-bottom:0px;text-align:left;font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_445a27-6e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_445a27-6e[data-kb-block=\"kb-adv-heading871_445a27-6e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_445a27-6e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_445a27-6e[data-kb-block=\"kb-adv-heading871_445a27-6e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_445a27-6e, .wp-block-kadence-advancedheading.kt-adv-heading871_445a27-6e[data-kb-block=\"kb-adv-heading871_445a27-6e\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_445a27-6e, .wp-block-kadence-advancedheading.kt-adv-heading871_445a27-6e[data-kb-block=\"kb-adv-heading871_445a27-6e\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_445a27-6e wp-block-kadence-advancedheading has-black-color has-text-color\" data-kb-block=\"kb-adv-heading871_445a27-6e\">In certain situations, you can have your federal student loans forgiven, canceled, or discharged.<\/p>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns871_47cfab-a1{padding-left:0px;gap:25px;justify-content:flex-start;align-items:center;}.kt-btns871_47cfab-a1 .kt-button{font-weight:normal;font-style:normal;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kt-btns871_47cfab-a1, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_47cfab-a1, .wp-block-kadence-advancedbtn.kb-btns871_47cfab-a1, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_47cfab-a1{margin-bottom:0px;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns871_47cfab-a1{padding-right:50px;padding-left:50px;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kt-btns871_47cfab-a1, .site .entry-content .wp-block-kadence-advancedbtn.kt-btns871_47cfab-a1, .wp-block-kadence-advancedbtn.kb-btns871_47cfab-a1, .site .entry-content .wp-block-kadence-advancedbtn.kb-btns871_47cfab-a1{margin-bottom:0px;}.wp-block-kadence-advancedbtn.kb-btns871_47cfab-a1{padding-right:25px;padding-left:25px;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns871_47cfab-a1 um-UMBHBlueButton\"><style>.wp-block-kadence-advancedbtn .kb-btn871_f770d7-b9.kb-button{color:#082e58;background:#79bde8;font-size:16px;font-family:'Chakra Petch';font-weight:600;text-transform:uppercase;border-top-left-radius:20px;border-top-right-radius:20px;border-bottom-right-radius:20px;border-bottom-left-radius:20px;border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;margin-bottom:0px;}.wp-block-kadence-advancedbtn .kb-btn871_f770d7-b9.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_f770d7-b9.kb-button:focus{color:#ffffff;background:#082e58;border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_f770d7-b9.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn871_f770d7-b9.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_f770d7-b9.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn871_f770d7-b9.kb-button{border-top:2px solid #79bde8;border-right:2px solid #79bde8;border-bottom:2px solid #79bde8;border-left:2px solid #79bde8;}.wp-block-kadence-advancedbtn .kb-btn871_f770d7-b9.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn871_f770d7-b9.kb-button:focus{border-top-color:#082e58;border-top-style:solid;border-right-color:#082e58;border-right-style:solid;border-bottom-color:#082e58;border-bottom-style:solid;border-left-color:#082e58;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn871_f770d7-b9 kt-btn-size-standard kt-btn-width-type-fixed kb-btn-global-outline  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-kadence-singlebtn\" href=\"https:\/\/studentaid.gov\/manage-loans\/forgiveness-cancellation\"><span class=\"kt-btn-inner-text\"><strong>More information on federal loan forgiveness<\/strong><\/span><\/a><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column871_0cad6c-fb > .kt-inside-inner-col{display:flex;}.kadence-column871_0cad6c-fb > .kt-inside-inner-col{padding-top:60px;padding-right:170px;padding-bottom:60px;padding-left:170px;}.kadence-column871_0cad6c-fb > .kt-inside-inner-col,.kadence-column871_0cad6c-fb > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_0cad6c-fb > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_0cad6c-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column871_0cad6c-fb > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column871_0cad6c-fb > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column871_0cad6c-fb > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column871_0cad6c-fb{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_0cad6c-fb{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_0cad6c-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column871_0cad6c-fb > .kt-inside-inner-col{background-color:#ffffff;}.kadence-column871_0cad6c-fb > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_0cad6c-fb{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column871_0cad6c-fb{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_0cad6c-fb{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_0cad6c-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column871_0cad6c-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}@media all and (max-width: 767px){.kadence-column871_0cad6c-fb > .kt-inside-inner-col{padding-right:35px;padding-left:35px;flex-direction:column;justify-content:center;align-items:center;}.kt-row-column-wrap > .kadence-column871_0cad6c-fb{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_0cad6c-fb{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_0cad6c-fb > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_0cad6c-fb\" id=\"rights-responsibilites\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_bf08b5-f6, .wp-block-kadence-advancedheading.kt-adv-heading871_bf08b5-f6[data-kb-block=\"kb-adv-heading871_bf08b5-f6\"]{padding-top:0px;padding-bottom:0px;margin-top:0px;margin-right:0px;text-align:center;font-size:32px;line-height:1;font-weight:900;font-style:normal;font-family:stratum-1-web;text-transform:uppercase;color:#003263;}.wp-block-kadence-advancedheading.kt-adv-heading871_bf08b5-f6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_bf08b5-f6[data-kb-block=\"kb-adv-heading871_bf08b5-f6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_bf08b5-f6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_bf08b5-f6[data-kb-block=\"kb-adv-heading871_bf08b5-f6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_bf08b5-f6, .wp-block-kadence-advancedheading.kt-adv-heading871_bf08b5-f6[data-kb-block=\"kb-adv-heading871_bf08b5-f6\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_bf08b5-f6, .wp-block-kadence-advancedheading.kt-adv-heading871_bf08b5-f6[data-kb-block=\"kb-adv-heading871_bf08b5-f6\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_bf08b5-f6 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_bf08b5-f6\">Borrower rights and responsibilities<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_96671c-fe, .wp-block-kadence-advancedheading.kt-adv-heading871_96671c-fe[data-kb-block=\"kb-adv-heading871_96671c-fe\"]{margin-top:0px;margin-bottom:10px;text-align:left;font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_96671c-fe mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_96671c-fe[data-kb-block=\"kb-adv-heading871_96671c-fe\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_96671c-fe img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_96671c-fe[data-kb-block=\"kb-adv-heading871_96671c-fe\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_96671c-fe, .wp-block-kadence-advancedheading.kt-adv-heading871_96671c-fe[data-kb-block=\"kb-adv-heading871_96671c-fe\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_96671c-fe, .wp-block-kadence-advancedheading.kt-adv-heading871_96671c-fe[data-kb-block=\"kb-adv-heading871_96671c-fe\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_96671c-fe wp-block-kadence-advancedheading has-black-color has-text-color\" data-kb-block=\"kb-adv-heading871_96671c-fe\"><strong>Your rights as a borrower<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_d29cee-bf:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_d29cee-bf ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_d29cee-bf ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_d29cee-bf .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_d29cee-bf ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_d29cee-bf ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_d29cee-bf ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_d29cee-bf ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_d29cee-bf kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_a97108-5c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_a97108-5c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">You may accept all, some, or none of the student loan funds offered<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_c49a7e-cd .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_c49a7e-cd\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">You are entitled to a copy of your promissory note, which outlines the terms and conditions of your student loan, and will receive it before or after the loan is made<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_491478-37 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_491478-37\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Before you begin to repay, your loan holder is required to give you a payment schedule and detailed information about interest rates, fees, the balance you owe, and your repayment options<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_8955d6-a1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_8955d6-a1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">You have a right to defer payments for certain defined periods or to request forbearance,&nbsp;if you qualify<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_36d2f7-44 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_36d2f7-44\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">You may be eligible to repay under a graduated or income-based repayment plan.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_228641-a0 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_228641-a0\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">For federal student loans and most private student loans, you may prepay in whole or in part at any time without penalty.<\/span><\/li>\n<\/ul><\/div>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading871_8e7299-eb, .wp-block-kadence-advancedheading.kt-adv-heading871_8e7299-eb[data-kb-block=\"kb-adv-heading871_8e7299-eb\"]{margin-bottom:10px;text-align:left;font-size:18px;font-weight:400;font-style:normal;font-family:forma-djr-micro;}.wp-block-kadence-advancedheading.kt-adv-heading871_8e7299-eb mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_8e7299-eb[data-kb-block=\"kb-adv-heading871_8e7299-eb\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_8e7299-eb img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_8e7299-eb[data-kb-block=\"kb-adv-heading871_8e7299-eb\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_8e7299-eb, .wp-block-kadence-advancedheading.kt-adv-heading871_8e7299-eb[data-kb-block=\"kb-adv-heading871_8e7299-eb\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_8e7299-eb, .wp-block-kadence-advancedheading.kt-adv-heading871_8e7299-eb[data-kb-block=\"kb-adv-heading871_8e7299-eb\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_8e7299-eb wp-block-kadence-advancedheading has-black-color has-text-color\" data-kb-block=\"kb-adv-heading871_8e7299-eb\"><strong>Your responsibilities as a borrower<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_06fa6b-22:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_06fa6b-22 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_06fa6b-22 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_06fa6b-22 .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_06fa6b-22 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_06fa6b-22 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_06fa6b-22 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_06fa6b-22 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_06fa6b-22 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_1fb986-52 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_1fb986-52\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">You must notify your school if you want to borrow less than the amount that has been awarded<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_a7edc9-06 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_a7edc9-06\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">You must repay your student loans on time and in full even if you do not finish your education, get a job, or feel satisfied with the education you received<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_2e1e13-b6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_2e1e13-b6\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">You must notify your loan holder or servicer immediately of any change to your name, address, telephone number, or Social Security number<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_b1f777-f1 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_b1f777-f1\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">You must make scheduled monthly payments even if you do not receive a bill or coupon booklet<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_8bba00-c9 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_8bba00-c9\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">First-time Direct Loan borrowers must receive entrance counseling before funds can be disbursed<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column871_eb954f-7f > .kt-inside-inner-col{display:flex;}.kadence-column871_eb954f-7f > .kt-inside-inner-col{padding-top:60px;padding-right:170px;padding-bottom:60px;padding-left:170px;}.kadence-column871_eb954f-7f > .kt-inside-inner-col,.kadence-column871_eb954f-7f > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column871_eb954f-7f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column871_eb954f-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:flex-start;}.kadence-column871_eb954f-7f > .kt-inside-inner-col > .kb-image-is-ratio-size{align-self:stretch;}.kadence-column871_eb954f-7f > .kt-inside-inner-col > .wp-block-kadence-advancedgallery{align-self:stretch;}.kadence-column871_eb954f-7f > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column871_eb954f-7f{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_eb954f-7f{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_eb954f-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column871_eb954f-7f > .kt-inside-inner-col{background-color:#ffffff;}.kadence-column871_eb954f-7f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column871_eb954f-7f{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column871_eb954f-7f{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_eb954f-7f{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_eb954f-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column871_eb954f-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;align-items:center;}}@media all and (max-width: 767px){.kadence-column871_eb954f-7f > .kt-inside-inner-col{padding-right:35px;padding-left:35px;flex-direction:column;justify-content:center;align-items:center;}.kt-row-column-wrap > .kadence-column871_eb954f-7f{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_eb954f-7f{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column871_eb954f-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column871_eb954f-7f\" id=\"financial-wellness\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading871_6919d0-13, .wp-block-kadence-advancedheading.kt-adv-heading871_6919d0-13[data-kb-block=\"kb-adv-heading871_6919d0-13\"]{padding-top:0px;padding-bottom:0px;margin-top:0px;margin-right:0px;text-align:center;font-size:32px;line-height:1;font-weight:900;font-style:normal;font-family:stratum-1-web;text-transform:uppercase;color:#003263;}.wp-block-kadence-advancedheading.kt-adv-heading871_6919d0-13 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading871_6919d0-13[data-kb-block=\"kb-adv-heading871_6919d0-13\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading871_6919d0-13 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading871_6919d0-13[data-kb-block=\"kb-adv-heading871_6919d0-13\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading871_6919d0-13, .wp-block-kadence-advancedheading.kt-adv-heading871_6919d0-13[data-kb-block=\"kb-adv-heading871_6919d0-13\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading871_6919d0-13, .wp-block-kadence-advancedheading.kt-adv-heading871_6919d0-13[data-kb-block=\"kb-adv-heading871_6919d0-13\"]{text-align:left!important;}}<\/style>\n<p class=\"kt-adv-heading871_6919d0-13 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading871_6919d0-13\">Financial wellness resources<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items871_4e751f-88:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_4e751f-88 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;padding-top:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_4e751f-88 ul.kt-svg-icon-list{grid-row-gap:15px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_4e751f-88 .kb-svg-icon-wrap{font-size:23px;color:#3698d4;}.wp-block-kadence-iconlist.kt-svg-icon-list-items871_4e751f-88 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:15px;}.kt-svg-icon-list-items871_4e751f-88 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items871_4e751f-88 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{font-size:18px;font-family:forma-djr-micro;font-weight:400;}.kt-svg-icon-list-items871_4e751f-88 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items871_4e751f-88 kt-svg-icon-list-columns-1 alignnone kt-list-icon-aligntop\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-871_0680ae-d2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_0680ae-d2\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">UMaine\u2019s official debt management program, <a href=\"https:\/\/www.ecmc.org\/borrowers\">ECMC<\/a>, will be in contact with you through your time as a loan borrower to ensure you have all the important information to keep you in good standing when you enter repayment.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-871_bc7043-72 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-871_bc7043-72\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_check kt-svg-icon-list-single\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Visit <a href=\"https:\/\/umaine.igrad.com\/\">umaine.igrad.com<\/a> to register for your free iGrad account.&nbsp; This money management tools gives students a variety of resources to assist with managing all aspects of college finances.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Loan Programs There are a variety of loan programs available to help finance your college education. Before applying for any loan, evaluate each loan program carefully to choose the loan program and repayment terms that best meets your needs. Types of Loans Master Promissory Note (MPN) Entrance Counseling Plus Loan Denial Managing federal loans exit [&hellip;]<\/p>\n","protected":false},"author":565,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"UMaine Loan Programs","_seopress_titles_desc":"","_seopress_robots_index":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"class_list":["post-871","page","type-page","status-publish","hentry"],"taxonomy_info":[],"featured_image_src_large":false,"author_info":{"display_name":"derekdakd","author_link":"https:\/\/umaine.edu\/sfs\/author\/derekdakd\/"},"comment_info":0,"_links":{"self":[{"href":"https:\/\/umaine.edu\/sfs\/wp-json\/wp\/v2\/pages\/871","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/umaine.edu\/sfs\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/umaine.edu\/sfs\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/umaine.edu\/sfs\/wp-json\/wp\/v2\/users\/565"}],"replies":[{"embeddable":true,"href":"https:\/\/umaine.edu\/sfs\/wp-json\/wp\/v2\/comments?post=871"}],"version-history":[{"count":99,"href":"https:\/\/umaine.edu\/sfs\/wp-json\/wp\/v2\/pages\/871\/revisions"}],"predecessor-version":[{"id":4752,"href":"https:\/\/umaine.edu\/sfs\/wp-json\/wp\/v2\/pages\/871\/revisions\/4752"}],"wp:attachment":[{"href":"https:\/\/umaine.edu\/sfs\/wp-json\/wp\/v2\/media?parent=871"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}