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Loans

A loan is money that you borrow which must be repaid, often with interest.

All eligibility requirements and document requests must be fulfilled by May 1 of the academic year in which you are seeking funds. Documents received or changes to eligibility after this date will not be considered.

Learn more about these common loan options:

  • Federal Direct Subsidized & Unsubsidized Loans
    12/3/25
    Federal Direct Subsidized and Unsubsidized Loans are low-interest loans for students to help pay for the cost of a post-secondary education. UB students may be eligible for Federal Direct Loans through the U.S. Department of Education.
  • Federal Direct PLUS Loans
    11/20/25
    Federal Direct PLUS Loans are credit-based loans offered by the U.S. Department of Education to help cover education costs not met by other financial aid.
  • Health Professions Loans
    12/3/25
    Federal Health Professions Student Loans are low-interest, federally subsidized loans available to full-time pharmacy and dental students from economically disadvantaged backgrounds.
  • Nursing Loans
    12/3/25
    Nursing Student Loans are low-interest, federally subsidized loans available to eligible nursing students.
  • Alternative/Private Loans
    12/3/25
    Alternative loans are private, non-federal loans offered by banks or other lenders. They can help cover education costs when: