Student Loans

Undergraduate Student Loans:

  1. Direct Subsidized and Unsubsidized Loans

  2. Direct Parent PLUS Loans (For Dependent Students)

  3. Federal Perkins Loans

  4. Private Loans


Graduate Student Loans:

  1. Direct Unsubsidized Loans

  2. Direct Graduate PLUS Loans

  3. Private Loans


  1. You must be enrolled at least half-time to qualify for a student loan. 

  2. The Free Application for Federal Student Aid (FAFSA) must be completed at and all required financial aid documents must be on file in the UTC Financial Aid Office.

  3. Students must adhere to all UTC enrollment and Satisfactory Academic Progress standards.

  4. An EXIT Loan Counseling must be completed at when you graduate or each time you are no longer enrolled at least half time.

  5. Loans are generally repaid in 10-25 years depending on the repayment plan chosen.

  6. If your graduation date changes, you must notify the Financial Aid Office so that your Financial Aid can be awarded for the following semester.

  7. You must be fully admitted in a degree-seeking program.

The Effects of Long Term Borrowing:

Managing Your Loans

  • How much have I borrowed? Log in to to see your student loan history.  You will need your FAFSA PIN to log in.
  • Do you have student loans with more than one lender? If yes, you may want to consider loan consolidation.
  • Information regarding loan forgiveness, cancellation or discharge, is available on the Department of Education's website.

Repaying your federal student loans - When it comes to repaying your student loans, you can choose from several repayment methods. If you fail to notify your loan servicer (company that handles the billing and other services for the Direct Loan Program and Federal Family Educational Loan Program), you will automatically be enrolled in the Standard Repayment Plan.  Under the Standard Repayment Plan, you will pay the same monthly payment for 120 months (10 years).  For more information on how to repay and where to repay your federal loans, please visit the Federal Student Aid website.  To estimate your monthly payment, use the student loan payment calculator.