Types of aid

JU is no longer participating in the Federal Direct PLUS Loan Program as of August 31, 2016.

» William D. Ford Federal Direct Loan Program

The William D. Ford Federal Direct Loan Program, called Direct Loans for short, allows students to borrow low-cost educational loans from the federal government. To be eligible for the Direct Loans, students must be enrolled at least half-time. Repayment of these loans begins 6 months after students leave school or fall below half time enrollment. There are two types of William D. Ford Federal Direct Loan Program loans available at Jagiellonian University (JU): Subsidized and Unsubsidized. For more detailed information about the Direct Loans, visit the U.S. Department of Education.

Subsidized (Undergraduates Only)

Subsidized Federal Stafford Loans are need-based loans. They are subsidized, which means the federal government generally pays the interest on the loan while the student is enrolled greater than half-time, but terms do vary based upon the date the loan was borrowed.

Effective July 1, 2013, first-time (students with no outstanding federal loan balance as of July 1, 2013) Direct Loan borrowers are limited in the amount of time they can receive Direct Subsidized Loans. Borrowers may receive Subsidized Loans for no more than 150% of the length of the student's current academic program ("maximum eligibility period").


Unsubsidized Federal Stafford Loans are not need-based. Interest begins accruing from the date of first disbursement. You can choose to pay the interest quarterly while in school, or you can allow it to accumulate and be capitalized when repayment begins.

Interest Rates

There are a variety of interest rates for Federal Direct Loans depending on the date of disbursement, subsidized/ unsubsidized, undergraduate/ graduate and fixed/ variable rates. The rates can range from around 4%-7%. See complete interest rate information here.

Origination Fees

An origination fee will be deducted from a subsidized/ unsubsidized loan before it is disbursed. See complete origination fee information here.

Master Promissory Note (MPN)

The Master Promissory Note (MPN) is a legal document in which you promise to repay your loan and any accrued interest and fees to the U.S. Department of Education. It also explains the terms and conditions of your loan. You are required to sign your MPN each year.

Complete the MPN online here

Direct Loan Entrance Counseling

Direct Loan Entrance Counseling is required for the first-year students (undergraduate/ graduate) - Direct Loans borrowers. The goal of entrance counseling is to help you understand what it means to take out a federal student loan. Entrance counseling must be completed prior to any Direct Loans funds being disbursed to your student account. In order to ensure funds are disbursed by the start of school, this should be completed two weeks prior to the start of the semester in which you plan to receive your first Direct Loans disbursement at JU.

Direct Loan Exit Counseling

When you leave school, you will be required to complete Direct Loan Exit Counseling which will give you additional information regarding loan repayment.