Direct unsubsidized loans are not need-based; rather, they're based on your cost of attendance minus any other financial aid you qualify for.

Subsidized and unsubsidized loans are both types of Direct loans from the U.S. Department of Education. Subsidized loans, which are financial need-based aid, are only available to undergraduates.

These loans are unsubsidized, meaning interest accrues once the loan is disbursed. For the 2025-2026 academic year, Direct graduate student loan rates are fixed at 7.94% for all borrowers.

The grace period begins after you graduate, leave school or drop below half-time enrollment. While you're not required to make payments, interest will still accrue on unsubsidized loans.

In the 2022-23 academic year, 446,000 graduate students relied on grad PLUS loans to cover their education costs, while 1.3 million students took out Direct Unsubsidized Loans, according to the ...

Actual rate and available repayment terms will vary based on your income. Fixed rates range from 4.24% APR to 10.74% APR (excludes 0.25% Auto Pay discount). Variable rates range from 6.13% APR to ...

Questions? The UW contact person for information about direct unsubsidized loans is Sara Muhsman. Please do not hesitate to reach out to her at smuhsman@uwyo.edu or 307-766-2118. Contact Us College of ...

Unsubsidized graduate borrowing for master's programs will be capped at $20,500 per year ($100,000 lifetime); $50,000/year for professional programs such as law and medicine ($200,000 lifetime).

Although unsubsidized claims a larger portion of outstanding direct loans — $594.9 billion compared to $295.4 billion in subsidized loans as of the second quarter of 2024 — there’s plenty of ...