Carlow University offers you guidance in financing your educational expenses through student loans. Your eligibility is determined by filling out the FAFSA (Free Application for Federal Student Aid). 

Because of the nature of federal, state and institutional guidelines affecting financial aid programs, the information contained on this website is subject to change.

Explore your options:

  • Federal Direct Loan
  • Nursing Loan
  • Alternative Loan
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You may be offered subsidized (government pays interest while you are in school) and/or unsubsidized (interest begins accruing immediately) federal direct loans. Repayment begins six months after you stop attending school on at least a half-time basis.

You must complete Entrance Counseling, Master Promissory Note and Annual Student Loan Acknowledgement forms for this loan. Visit Federal Student Aid for more information.

Lifetime borrowing limit

  • $31,000 lifetime limit for dependent undergraduates
  • $57,500 lifetime limit for independent undergraduates
  • $57,500 lifetime limit for dependent undergraduates with Parent PLUS denials

Track your federal loans and grants through the National Student Loan Data System.

This loan is administered by Carlow University in accordance with the Department of Education and the Department of Health and Human Services. If you are eligible, you will be notified by the Financial Aid Office.

These are private loans, most requiring a credit-worthy cosigner. On ELMSelect, you can view a list of lenders commonly used by Carlow students. The list is provided as a convenient tool to compare lenders, but you may choose any lender.

Learn more about budgeting and financial literacy at:

We’re here to help.

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