The federal government has a variety of federal loan options available for students and parents.

We encourage you to review the following information carefully before making any decisions about your loans.

If you have previously borrowed federal student loans at the University of Northern Iowa or another postsecondary institution, you should begin by reviewing your borrowing history by logging in to the Federal Student Aid website using your FSA ID. Most importantly, remember these are loans and they must be repaid, so borrow only what you need. 

Types of Loans

Federal Direct Loans

Loan options available to qualifying undergraduate and graduate students, with both Subsidized and Unsubsidized options depending on financial need.

‌Direct Loan Information

Federal Direct PLUS Loans

Loan option for parents of undergraduate students.

‌Direct PLUS Loan Information




Federal Direct Graduate PLUS Loans

Loan option for graduate students that have exhausted their Federal Direct Unsubsidized Loan eligibility.

‌Direct Graduate PLUS Loan Information

Private Education Loans

Loan option offered through private banks and lenders; generally only accepted if all other financial aid options have been exhausted.

‌Private Education Loan Information