Navigating US Direct Loans for 2025/26 at the University of Bradford

The University of Bradford is excited to announce the availability of US Direct Loans for the academic year 2025/26. This funding option is designed to support US citizens and eligible non-citizens pursuing undergraduate or postgraduate studies at the university. Here’s everything you need to know about applying for these loans.

Who Can Apply?

To be eligible for US Direct Loans, applicants must meet the following criteria:

• Citizenship: You must be a US citizen or an eligible non-citizen.
• Social Security Number: A valid US social security number is required.
• Program Enrollment: You should be accepted into a full-time or at least 50% part-time study program. Note that distance learning courses are not eligible for federal loans.
• Satisfactory Academic Progress: Existing students must have made satisfactory academic progress to continue receiving loans.
• Residence: You must be living in the UK during your studies. Students living in the USA during their studies are not eligible.
• Loan History: You should not have borrowed over the federal loan limits or be in default on previous loans.
• Selective Service Registration: Males over 18 must register for selective service or have an official exemption.

Types of Loans Available

Eligible students can apply for:

• William D. Ford Direct Loans: Federal loans that provide a range of options including subsidized and unsubsidized loans.
• Private Loans: Through providers like Sallie Mae, which may offer different terms and conditions.

It’s important for students to research and compare these options to determine the best fit for their financial needs.

Application Process

Applying for US Direct Loans involves several steps:

1. Complete the FAFSA: The Free Application for Federal Student Aid (FAFSA) is your first step to establishing eligibility. Make sure to include the University of Bradford’s federal school code G12198.
2. Review Your SAR: After processing your FAFSA, you will receive a Student Aid Report (SAR). Check that all information, such as your Expected Family Contribution (EFC) and social security number, is accurate.
3. Master Promissory Note (MPN): Complete a legal document promising to repay your loans. This must be done for each type of loan you wish to borrow.
4. Entrance Counseling: Before receiving your Direct Loan, you must complete Entrance Counseling to understand your responsibilities as a borrower.
5. Confirm Other Financial Aid: Inform the university if you are receiving any other grants or bursaries.
6. Credit Check: A credit check is also required as part of the loan application process.