Accept Your Federal Direct Loans

Fall 2025-Spring 2026 Federal Direct Loan Dates

In general, loans can begin to be accepted in mid-July for the following academic year (fall and spring semester) and must be accepted by the last day of the semester in which you attend. 

A student is no longer eligible for loan funds if they cease attendance or their enrollment becomes less than halftime and the loans were not accepted before the enrollment change.

Federal Direct Loans accepted after the following priority deadlines may not be processed. Please review the important dates below to ensure the timely processing of your direct loan funds.

Students and parents must accept Federal Direct Loans before the end of the academic term for which they (or their students) are registered. If students are not registered for the spring term, their federal loans must be accepted and processed before the end of the fall term.