Direct Plus Loans and Subsidized Federal Student Loans Made Available to All Borrowers

A student is a person entering into a formal education or training program with intentions of attaining knowledge, building careers, learning new skills and ultimately achieving employment in desired field. The term student actually encompasses both pupils and instructors. In the former, the term student refers to the student enrolled in the same school or educational institution. In the latter, the student refers to any person attending any such institution for any purpose. While a student is a learner who is studying and attempting to acquire learning and practical knowledge of particular subject areas, the instructor is the person responsible for supervising the learning process and imparting that knowledge in a functional manner to the student.


With respect to the school community, the term student body has a wider meaning that refers to the various individuals who constitute the overall student enrollment in any educational institution. In most cases, students enrolling to such schools are not the same age group and come from different socio-economic backgrounds. Such institutional entities are known as school communities or student communities. While a student council represents the student body, an adult advisor, also known as a human relations specialist, is the individual responsible for leading and managing the student body with the intention of ensuring that learning and growth occur within the context of a safe and healthy environment.

A borrow is any individual who applies to take the advance of any U.S. Department of Education loans, including undergraduate student loans. A borrow can be a family member, a friend or any other individual who is eligible to take an educational loan. Borrowers can seek federal student loans in two ways. They can apply directly for a loan, by applying online for federal Direct Unsubsidized Loans, and they can apply for federal Student Aid directly. Direct Loan programs allow borrowers to borrow money in the form of subsidized and unsubsidized loans and can be borrowed either in part or in full. The borrower has to repay the loan in full when he/she graduates from college or once they have succeeded in their employment.

Many students apply for federal student loans to fund their post-high school education as well as their living expenses after they graduate. Because of the emphasis on post-secondary education in the federal student loans program, these loans are expensive. The interest rates on subsidized and unsubsidized loans are the highest in the education market. Therefore, prospective borrows must be financially able to meet the repayment terms of the loan.

However, financial need is not the only requirement for eligibility. Borrowers who cannot afford to repay the federal student loans must fulfill other eligibility requirements first. In order to ensure that the borrower’s eligibility for federal student loans is not jeopardized, he/she must complete the FAFSA application which is a Free Application for Federal Student Aid. The FAFSA forms are available at schools and colleges themselves or can be ordered from the website.

To be eligible for direct plus loans, your undergraduate student must be enrolled in an undergraduate program at a U.S. college or university. To apply for direct unsubsidized loans, your undergraduate student must be enrolled in at least one course that is funded by the United States Department of Education through either the Direct Plan or the Direct Plus Plan. To find out more about what type of federal student aid you can borrow for your academic needs, visit Campus Spending Guide.