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 in this website is subject to change.

Explore your options:

  • Federal Direct Loan
  • Parent Plus Loan
  • Nursing Loan
  • Alternative Loan
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Students may be offered subsidized (government pays interest while the student is 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.

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

Parents/stepparents can take out a loan for a dependent student, pending a credit check for approval. Parents must complete a PLUS Application, Master Promissory Note and Annual Student Loan Acknowledgement form. If your parent is denied, you may be able to borrow additional funds on your unsubsidized Federal Direct Loan. Visit Federal Student Aid for more information. 

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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