Office of Scholarships and Financial Aid
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Federal Direct Unsubsidized Loans for Graduate Students

  • Graduate-level students must be enrolled in graduate-level units at least half-time (5 units) to receive graduate-level aid.
    • Graduate-level students cannot be enrolled in combinations of undergraduate and graduate units to meet the half-time status requirement for aid disbursement.*
    • Non-degree-seeking students are not eligible for federal student loan funds.**
  • To verify that a Federal Direct Loan is offered and ready to be accepted, login to your UAccess Student Center, click “View Financial Aid” and select the current school year.
  • Graduate-level students are generally awarded in July for the upcoming fall/spring semesters.
  • Federal regulations no longer allow graduate-level students to receive Federal Direct Subsidized Loans.

Three Steps to Success

1: Complete your MPN

If you completed a Master Promissory Note (MPN) since 2010 that lists UA as the designated school, you do not need a new MPN.

You need to complete a new MPN if:
  • No actual loan funds were borrowed within 12 months of signing
  • Your current MPN has expired (MPNs are only valid for ten years).
  • You directed the lender to terminate an MPN to stop any new loans from being borrowed under the MPN.
  • An MPN that lists UA as the designated school has never been completed.

2: Accept your loans

A. Navigate UAccess Student and click Student Center

  1. Log in to Student Center.
  2. Look for Finances and then find Financial Aid.
  3. Click Accept/Decline Awards.
  4. Click the applicable school year and accept the loans.

B. Confirm Approval to Pay Charges

For federal student aid only, students must grant UA their permission for UA to pay charges other than tuition and mandatory fees with their federal student aid (grants and student loans).

Failure to grant permission may result in charges other than tuition and mandatory feeds remaining unpaid on the student's account after federal aid has disbursed. The student will be responsible for paying these charges even if all aid has disbursed.

Navigate to your UAccess Student Center

  1. Log into Student Center
  2. Look for Finances and then find Financial Aid
  3. Click Financial Aid Authorization


  • No action is needed on loans that you wish to decline.
  • Only the loans and amounts that are accepted will be processed; be sure to enter the loan amounts needed for the entire school year. Interest is charged fromthe point of disbursement of the loan, not from the point of approval. There is no advantage to taking out loans term by term.
    Be aware of how loans are reported to credit agencies.
  • You are not required to borrow and may borrow less than the amount offered.
  • Know what you will owe after college. Manage your Debt
  • You may also decide to cancel a loan and have funds returned to the lender at a later time. A written, signed request (fax, UA email) is required to cancel a loan that has been disbursed to your account. The immediate repayment of any account balance due is also required when a disbursed loan is canceled.
  • **Graduate students must be enrolled in graduate level units to receive graduate loan funds (5 units is half-time status/ 3 units of 900 level is also at least half-time/ 9 units is full time.)

3: Graduate Loan Entrance Counseling

Students must complete separate loan entrance counseling session for graduate-level loans.

First-time UA borrowers must sign in and complete loan entrance counseling with the U.S. Department of Education.

First-time graduate students at UA must complete the Graduate Loan entrance counseling. The undergraduate entrance counseling completed while attending UA or another school is not sufficient for this requirement.

Rates and Discounts - Graduate Students

New rates and Origination fees for loans first disbursed between July 1, 2017 and June 30, 2018:

Rates and fees for loans first disbursed between July 1,2017 and June 30, 2018

  • 6.00% Unsubsidized loan fixed interest rate 
  • 8.25% Lifetime interest rate cap (undergraduate loans) 
  • 1.069% Origination Fee starting October 1, 2016
  • 1.066% Origination Fee starting October 1, 2017 as determined by the U.S. Department of Education 


*For the most up to date interest rates visit the U.S. Department of Education website 
These interest rates are only for new loans first disbursed on or after July 1, 2016. Prior loans are not affected by this change

**Non-degree seeking graduate students may submit a Petition for Graduate Preparatory Work to be reviewed for federal funding.

  • Office of Scholarships and Financial Aid, P.O. Box 210066, Tucson, AZ 85721
  • Phone: 520.621.1858
  • Fax: 520.621.9473