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Federal Stafford Loans

All Stafford Loans are Direct Loans. This means you work with us and the U.S. Department of Education to secure your loan. It’s the simplest, most cost-effective and safest program available.

If you are at least half time at UHCL, you may qualify for a low-interest Federal Direct Loan

Federal Direct loans are available for both undergraduate and graduate students. You can use the loans to pay tuition and fees, as well as some other living expenses (such as room and board, books and transportation). You can receive Federal Direct loans as subsidized, unsubsidized, or as a combination of the two.

Direct loans can be subsidized – interest-free while you’re in school – if you qualify

To qualify for a subsidized loan, complete the FAFSA form. If your FAFSA results demonstrate financial need, you can qualify for a subsidized loan. The government will pay the interest on your loan while you are in school. Only undergraduates are eligible for subsidized loans.

Unsubsidized Direct loans are also available with low interest rates and favorable deferment options.

Although you are charged interest on an unsubsidized loan, you have the same low interest rate, deferment, and repayment options. You can save money by paying the interest on an unsubsidized loan quarterly, rather than allowing it to add up until you enter the repayment period.

Federal Direct Loan Interest Rates

Federal Direct Loan Interest Rates by Disbursement Dates
Loan Type First Disbursed between July 1, 2016 and June 30, 2017
Direct Subsidized and Unsubsidized Loans (for Undergraduate Students) Fixed at 3.76%
Direct Unsubsidized Loans (for Graduate or Professional Students) Fixed at 5.31%
Direct PLUS Loans (Parents and Graduate or Professional Students) Fixed at 6.31%


When interest is due on unsubsidized loans

You accrue interest on your loan from the time you receive your loan until you pay it in full. You can put off paying interest while you are in school and enrolled at least half time. However, if you put it off, it is added to the original balance of the loan. If you can, pay the interest when you receive your quarterly interest statement.

Origination fee of 1.069%

In addition to charging interest, all subsidized and unsubsidized loans also charge a 1.069% origination fee. All PLUS loans charge a 4.276% origination fee. The fee comes out of the first funds you receive from your loan.


  • US citizen or permanent resident
  • An undergraduate or graduate student enrolled at least half time
  • Complete a FAFSA
  • Maintain satisfactory academic progress
  • You don't exceed annual or lifetime total loan limits
  • No credit check is required


After graduation from college, dropping below half-time, or leaving school for any other reason, you have a 6-month grace period before starting repayment. Repayment options vary and under some circumstances you may be eligible to postpone or temporarily reduce payments. The standard loan repayment is a 10-year plan; though other repayment plans such as graduated or extended repayment plans may be available.

How to apply for a Stafford Loan

UHCL will calculate your Stafford loan eligibility when we receive your FAFSA.
Read more information on Stafford Loans at UHCL.


National Student Loan Data System (NSLDS)

The U.S. Department of Education’s (DOE) central database for student aid is the National Student Loan Data System (NSLDS). Schools and agencies that guarantee loans, the Pell grant program, and other DOE programs report data here.

The NSLDS Student Access website at is available 24 hours a day, 7 days a week. You can inquire about loans or grant   amounts, outstanding balances, loan status, and other disbursements. To use the NSLDS website, you need your FSAID assigned at This is the same FSAID used when filling out your FAFSA.

Contact Us

University of Houston-Clear Lake
Office of Financial Aid
SSCB 1.105
2700 Bay Area Blvd.
Houston, TX 77058-1098

(281) 283-2480

(281) 283-2502


Fall/Spring Hours:
Mon-Thurs. 8am - 6pm
Fri. 8am-5pm

Summer Hours:
Mon-Thurs. 8am - 6pm
Fri. 8am-noon

School Code: 011711

Last updated: 02/08/2017 UTC
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