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Federal Loans

By completing the Free Application for Federal Student Aid, students can be considered for Federal Stafford, Grad PLUS, and Health Professions loans as long as they meet the eligibility criteria. If dependent, a student's parent can also be considered for the Parent PLUS loan. Below is helpful information about the terms and conditions of these loans:

By completing the FAFSA, UTHSC will determine how much Federal student loan funding can be awarded based on federal guidelines. In general, the amount of federal loan funding depends on a student's estimated financial contribution (EFC) as well as the student's dependency status. Both of these factors are determined by the Department of Education when the student submits their fafsa at simple formula of Cost of Attendance minus EFC minus other resources (such as scholarships and grants) is used to determine student's financial need for federal loans. The cost of attendance information for a student can be found in our Cost of Attendance section. In general, a student who shows financial need can be awarded as much as the following in Federal Stafford Loan funding per year:

  • Undergraduate 3rd/4th Year Dependent Student- $5500 Subsidized Stafford Loan, $2000 Unsubsidized Stafford Loan
  • Undergraduate 3rd/4th Year Independent Student- $5500 Subsidized Stafford Loan, $2000 Unsubsidized Stafford Loan
  • Graduate Student- $20,500 Unsubsidized Stafford Loan
  • Professional Pharmacy Student- $34389 to $37167 Unsubsidized Stafford Loan
  • Professional Dentistry or Medical Student- $42,722 to $47167 Unsubsidized Stafford Loan
May 23, 2023