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St. Johns College Financial Services Loans
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Loans

For more information, email financialaid@sjcs.edu or call (217) 814-4705.

Federal Direct Subsidized Loan - Undergraduate

Loan must be repaid. The U.S. Department of Education pays interest while borrower is in school and during grace and deferment periods; student must be attending at least half-time and demonstrate financial need; fixed rate (set annually) for new borrowers.

Federal Direct Unsubsidized Loan - Undergraduate

Loan must be repaid. The borrower pays interest while in school and during grace and deferment periods; student must be attending at least half-time and demonstrate financial need; fixed rate (set annually) for new borrowers.

Federal Direct Parent PLUS Loan - Undergraduate

Loan must be repaid. For parents of dependent undergraduate students and graduate and professional students; students must be enrolled at least half-time; financial need not required. Unsubsidized: Borrower (parents) responsible for all interest. Maximum amount is cost of attendance minus any other financial aid student receives; no minimum amount. 
 

Federal Direct Grad PLUS Loan - Graduate

Loan must be repaid. For graduate and professional students enrolled at least half-time (six hours). Financial need not required. Fixed interest rate set annually for new borrowers. Maximum amount allowed is cost of attendance minus any other financial aid student receives, no minimum amount.

Students and parents who wish to participate in the Federal Direct Loan Program should complete the following requirements:

Students should complete:

Parents who wish to apply for a Parent PLUS Loan, should complete:

Federal Direct Unsubsidized Loan - Graduate

Loan must be repaid. For graduate and professional students enrolled at least half-time (six hours). Fixed interest rate set annually for new borrowers. Borrower does not need to have financial need. Maximum loan amount per academic year is $20,500.

Private Student Loan Disclosure - Graduate

Students who plan to apply for a private student loan must complete a self-certification form or submit proof of having done one. Students are free to explore the lenders of their choice. The Office of Financial Assistance does not refer/recommend/ suggest lenders. Students are encouraged to research multiple lenders to find the best fit for both short-term and long-term needs. If you are unsure of what to ask each lender, you are welcome to consult the Financial Aid and Compliance Officer to explore your needs.

Apply for private loan