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  • Federal Direct Loans (Subsidized & Unsubsidized): A federal loan that must be repaid under the terms of a promissory note. Only borrow the loan if you absolutely need this funding. You must be enrolled for a minimum of six credits to be eligible for the direct loan. Subsidized loans do not accrue interest until you either enter repayment or lose subsidized loan eligibility under the 150% Direct Subsidized Loan Limit. Unsubsidized loans accrue interest upon disbursement.