Loans

Attention: Upcoming federal loan changes as of July 1, 2026

These changes will affect Federal Direct student loans for undergraduates, graduates and parents. Please visit Upcoming Federal Student Loan Changes for more information.

You must file a FAFSA (Free Application for Federal Student Aid), be a matriculating student, and be enrolled at least half-time to be eligible for these loan programs. Borrowers under all of these programs will be required to sign a promissory note and participate in entrance counseling* prior to disbursement of funds.

Loan Programs For Undergraduate Students

Federal Direct Undergraduate Student Loans

This loan program includes both undergraduate student subsidized (need-based) and unsubsidized (not need-based) loans.

learn more

Nursing Loan

This loan program is available to students with exceptional financial need enrolled in the College of Nursing.

Learn more

Federal Direct Parent PLUS Loan

This loan program is utilized by parents of dependent undergraduate students to help pay for education expenses not covered by other financial aid.

learn more

Health Professions Loan

This loan program is available to financially needy students in the College of Pharmacy.


Learn more

Private/Alternative Loans

These are privately-funded loans available to students and parents of undergraduate students.



learn more

Loan Programs For Graduate Students

Federal Direct Graduate Unsubsidized Student Loan

This loan program is available to graduate students. There is no requirement to demonstrate financial need.


learn more

Federal Direct Graduate PLUS Loan

This loan program is utilized by graduate students to help pay for education expenses not covered by other financial aid.


learn more

Private/Alternative Loans

These are privately-funded loans available to graduate students.





learn more

Additional Loan Resources

New! Money Basics Program

Learn more about successfully managing student loans and budgeting with Money Basics by URI

Direct Loan repayment calculator FEderal Direct Loan Repayment Plans Federal vs private/alternative loans