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Federal Stafford Loans


Most Walden students borrow 100 percent of their tuition and fees costs through low-interest federal loans.

Subsidized Loans 
For: Available in whole or in part to degree-seeking undergraduate and graduate students who demonstrate financial need.  The federal government pays the interest on the subsidized portion of the loan while the student is enrolled at least half time in school.

Undergraduate annual borrowing ranges from $3,500-$5,500 depending on year in school

Graduate student annual borrowing maximum: $8,500

Interest rate:  undergraduate borrowers 6.0 percent; graduate borrowers 6.8 percent

Total debt that can be outstanding: undergraduate borrowers $23,000; graduate borrowers $65,500 (includes amounts borrowed at undergraduate level)

Notes: Loans borrowed at a prior institution may impact your loan eligibility at Walden. Lower thresholds apply for half-time enrollment. Up to a 3 percent origination fee is deducted from each disbursement of the loan.

Unsubsidized Loans 
For: Available in whole or in part to degree-seeking undergraduate and graduate students who either do not meet the need requirement for, or want to borrow in excess of, the amount available under the federal subsidized Stafford Loan. The student is responsible for the interest that accrues on the unsubsidized loan, but payment can be deferred while the student is enrolled at least half time in school.

Undergraduate annual borrowing ranges from $5,500-$12,500 (less Subsidized Stafford Loan eligibility) depending on year in school and dependency status

Graduate student annual borrowing maximum: $20,500 (less Subsidized Stafford Loan eligibility)

Interest rate is 6.8 percent.  The interest on this loan is your responsibility. You may choose to pay the interest while in school or have it capitalized (added to the principal).

Total debt that can be outstanding (including any subsidized debt): dependent undergraduate borrowers $31,000; independent undergraduate borrowers $57,500; graduate borrowers $138,500 (includes amounts borrowed at the undergraduate level.)

Notes: Loans borrowed at a prior institution may impact your loan eligibility at Walden. Lower thresholds apply for half-time enrollment.  Up to a 3 percent origination fee may be deducted from each disbursement of the loan.

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