Subsidized and Unsubsidized Federal DIRECT Student Loan Program

Subsidized and unsubsidized loans are federal loans for eligible students to help cover the cost of higher education at a four-year college or university, community college, or trade, career, or technical school. The U.S. Department of Education offers eligible students at participating schools Direct Subsidized Loans and Direct Unsubsidized Loans. Learn more.

Federal Direct PLUS Loan Program

PLUS loans are federal loans that graduate or professional degree students and parents of dependent undergraduate students can use to help pay education expenses.

Here’s a quick overview of Direct PLUS Loans:

  • The U.S. Department of Education is the lender
  • The borrower must not have an adverse credit history
  • The maximum loan amount is the student’s cost of attendance (determined by the school) minus any other financial aid received

Learn more.

Federal Direct PLUS Loan for Parents

The Parent PLUS Loan gives parents a chance to apply for a PLUS loan either for a specific amount or for the total remaining balance of the student’s tuition after all financial aid has been offered from the FAFSA.

Some details on the Parent Plus Loan:

  • The loan requires a credit check and a master promissory note.
  • The maximum amount available is the difference between the cost of attendance and the total financial aid package offered
  • If a parent is denied the loan, the student is then eligible for an additional unsubsidized loan up to $4,000/$5,000 depending on your academic level.

Learn more.

Federal Perkins Loans

Questions concerning the repayment of your Federal Perkins Student Loan can be answered by contacting the Spring Hill College Perkins Loan Liaison ( If you need to speak with UNISA, our Perkins Loan billing servicer, please call (800) 875-8910 or visit the UNISA Website.

For more information email:

Alternative Educational Loans

Private lenders are an alternative or additional educational funding option to federal student loans. Please review the option of lenders that other Spring Hill College students have used in the past. You are free to choose any alternative loan lender whether listed on this site or not. If you have specific questions please contact a financial aid counselor. Learn more.

Responsible Borrowing

Watch this short video on managing your loans.