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Washington University in St. Louis
Student Financial Services


Federal Direct Loan Subsidized/Unsubsidized Requirements - Undergraduate Students

​The Federal Direct Student Loan is a government funded, federally insured student loan. The U.S. Department of Education is the lender, though the entity you deal with, your loan servicer, can be a private business.

For information regarding loan types, interest rates, fees, and repayment, go to

If you have been awarded a Federal Direct Loan, there are three steps you should take so that your loan can be applied to your student bill.
STEP 1:  Accept your Financial Assistance Award online at Login to 'My FA Access' and choose 'My Award' from the left menu.
STEP 2: Complete the Online Entrance Counseling process. We are committed to helping you borrow responsibly. It is both a federal and University requirement that you learn more about your Federal Direct Loan. All students at Washington University must be registered at least half-time in a degree-seeking program to receive Federal Direct Loan funds. Please refer to this outline for Washington University’s definition of full-time and half-time enrollment prior to completing entrance counseling.
Full-Time Definition: A student who is registered for 12 or more credit hours a semester
Half-Time Definition: A student who is registered for at least 6 credit hours, but less than 12 credit hours a semester
Full-Time Definition: A student who is registered in 12 or more credit hours (total of all summer terms)
Half-Time Definition: A student who is registered in 6 or more, but less than 12, credit hours (total of all summer terms)
Should you decide to withdraw from classes for ANY reason, contact your individual school regarding that decision.
STEP 3: E-sign a Federal Direct Loan (Stafford) Subsidized/Unsubsidized Loan Master Promissory Note (MPN). The MPN is a contractual agreement between you and the Department of Education regarding the terms and conditions of your student loan, as well as your agreement to repay your loan upon graduation. Your loan will go into repayment if you withdraw from school or drop below half-time enrollment. Once you have completed an MPN with the Direct Loan Program, it is good for ten years.

Complete Steps 2 and 3​ To review your Federal Loan history or find your loan servicer, go to
Student Financial Services • Washington University in St. Louis • One Brookings Drive, Campus Box 1041, St. Louis, MO 63130
(888) 547-6670 or (314) 935-5900 • (314) 935-4037 Fax • • Located in N. Brookings Hall, Room 75 • M-F 8:30am - 5:00pm CST