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Loans are types of financial assistance that must be repaid. Be sure that you understand the terms of any loans you borrow for your education. It is important that you and your family consider the amount of loans you truly need for your education related costs.


Federal Direct Loans

Federal Direct Loans are available for undergraduate and graduate students and are made through the William D. Ford Federal Direct Loan Program. For additional eligibility requirements and information please visit our Federal Direct Loans Webpage.


Federal Parent PLUS Loan

The PLUS Loan is available to parents (birth parent, stepparent or an adoptive parent) of dependent undergraduate students and is a credit-based loan. MSU Denver offers PLUS Loans through the Federal Direct Loan Program. Parents may borrow up to the  Cost of Attendance for a student's education, less the amount of any other financial aid received. You can review additional information about Federal PLUS Loans by visiting the Federal Parent PLUS Loan Webpage.


Federal Graduate PLUS Loan

The Graduate PLUS Loan is available to graduate students who are enrolled at least half-time in an eligible degree program. These loans are funded by the U.S. Department of Education and are credit-based. Click here for more information about Graduate PLUS Loans.


Federal Perkins Loans

This loans program expired in September 2017 and is no longer available for awarding. If you borrowed Perkins Loans in previous years at MSU Denver please contact the Perkins Loan Office to inquire about repayment at 303-615-0072. Email:


Alternative Loans

Alternative Loans, also known as Private Loans, can help a student cover the difference between their cost of attendance and financial aid. Alternative Loans should only be considered after careful review of your financial aid package. Please visit the Alternative Loans Webpage for additional information.


Loan Counseling and Repayment

Entrance counseling is mandatory for all first-time Federal Direct Loan borrowers at MSU Denver to inform you of your rights and responsibilities as a student borrower. The link for entrance counseling can be found at

Once a student graduates or drops below half-time status, they will need to make plans to begin repayment of these loans. Exit counseling is available to those who graduate, drop below half-time, or withdraw from the university. Exit counseling can be found at as well. In most cases, students have an initial 6 month grace period before they must make their first payment.

There are many repayment options available to student borrowers as well as options for loan consolidation, forgiveness, or discharge. For more information, visit the Debt Management section of our website.

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