The Federal Direct Unsubsidized Loan is available to undergraduate and graduate students.

At least halftime enrollment (6 hours for undergraduate, 5 hours graduate) is required to receive a federal student loan.

  • As of Fall 2026, federal student loans for students enrolled less than full-time will be prorated based on actual enrollment.   Please see Schedule of Reduction (SOR) for details.  Note:  At least halftime enrollment is still required. 

The annual limit cannot exceed UNT Cost of Attendance minus the other financial aid you receive.

New student loan borrowers must complete the following additional steps before their loan may be credited to their student account:

Each Federal Direct Loan borrower at UNT is required to complete Student Exit Counseling shortly before completing a degree, leaving UNT (i.e., withdrawing, graduation) or ceasing half-time enrollment.  Details regarding Federal Direct Loan repayment plans can be found at Repayment Plans | Federal Student Aid.

Additional information from StudentAid.gov

Loan FAQs

What do I have to do to get my loan funds?

You must complete a Free Application for Federal Student Aid (FAFSA). Monitor your MyUNT To Do List for updates and requirements. Once you are awarded, you must accept your loan awards via MyUNT.

Can I go ahead and complete the loan counseling now?

Yes. This can be done on StudentAid.gov. You will need your FSA ID and enter University of North Texas as a school to receive the results.

If I borrowed loans through the Federal Family Education Loan (FFEL) Program and Direct Loans, will I have two different servicers to repay now?
Yes. You will receive correspondence and payment information from both the Department of Education and your prior lender or servicer.
Where can I find information about deferments or forbearance requests?
More information can be found on Direct Loan Deferment and Forbearance.
Where do I find information about Federal Loan Consolidation?
More information can be found on Direct Loan Consolidation.
What is required for my loans when I leave UNT?
Loan borrowers are required to complete Student Exit Counseling shortly before completing a degree, leaving UNT (i.e., withdrawing, graduation) or ceasing half-time enrollment. Be sure to select the University of North Texas as a school to receive notification of completion.
How do my parents apply for a Federal Direct PLUS loan?
For undergraduate students only, you and your parents must complete the Free Application for Federal Student Aid (FAFSA). Once the parent loan is awarded and accepted, the parent borrower must log onto StudentAid.gov to submit the Direct Parent PLUS Request.
What if my parent is not eligible for the Federal Direct PLUS loan?
The Department of Education will run a credit history check to determine eligibility for a Federal Direct PLUS loan. The department will provide additional information to parents about other options (i.e. pursue a co-signer/endorser or appeal the denial) if there is adverse credit history. UNT will process all denials received, regardless of which option is chosen. The PLUS Denial - Additional Unsubsidized Loan Request Form will be added to the student's To Do List via MyUNT once the denial has been processed.
How do I repay my loans?
Review Repayment Plans.
What is a Master Promissory Note?
The Master Promissory Note is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the Department. It also explains the terms and conditions of your loan(s).
What is an origination fee?
An origination fee is used by the federal government to offset the administrative costs of the loan. Origination fees are charged as the loan is disbursed.
What is the interest rate?
The interest rates for federal student loans can be found at Federal Student Aid.