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Stafford loans are guaranteed by the Department of Education; there will be no credit check to determine eligibility. The interest rate on these loans is variable (might change each year) but does not exceed 8.25%. If you have subsidized loans, you won't be charged interest while you're enrolled in school at least half-time (6 hours), during a grace period, or during authorized periods of deferment. Interest will accrue when you enter repayment. If you have unsubsidized loans, you will be charged interest from the day the loan is disbursed until it is paid in full, including in-school, grace, deferment, and forbearance periods. You can pay the interest during these periods, or it can be capitalized (added to the principal).


After you graduate, leave school, or drop below half time enrollment (6 hours), you have a six-month grace period before repayment begins. During the grace period on a subsidized loan, you won’t have to pay any principal and you won't be charged interest. During the grace period on an unsubsidized loan, you won’t have to pay any principal, but you will be charged interest. As mentioned, you can either pay the interest or it will be capitalized.

Annual Amounts 

*Loans are prorated for partial year enrollment

Undergraduate Subsidized:

  • Freshman $3,500
  • Sophomore $4,500
  • Junior $5,500
  • Senior $5,500

Undergraduate Unsubsidized:

  • Dependent $2,000
  • Independent (Freshman & Sophomore) $6,000
  • Independent (Junior & Senior) $7,000

Graduate Unsubsidized

  • $20,500

Aggregate Lifetime Loan Limit: 

*Stafford Loans have an aggregate limit on the amount that a student can borrow in their lifetime

Undergraduate (Dependent):

  • Subsidized $23,000 
  • Unsubsidized $8,000 
  • Total $31,000

Undergraduate (Independent):

  • Subsidized $23,000
  • Unsubsidized $34,500
  • Total $57,500


  • Unsubsidized Total $138,500 

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Bible and Liberal Arts Degrees

Master's (on campus or online degrees)

  • Children and Family Ministries
  • Counseling Psychology
  • Counseling Psychology (Clinical)
  • Human Services Counseling (Non-Clinical)
  • Education
    • Curriculum Development
    • Middle & Secondary Education
    • Christian School Administration
    • Early Childhood/Elementary Education
    • Early Education Administration
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    • History
      • History Education Track
      • History Thesis Track
      • History Non-thesis Track
  • Master of Divinity
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  • Theological Studies
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Bachelor’s (on campus or online degrees)

  • Accounting
  • Ancient Studies
  • Biblical Studies
  • Business Administration
  • Children & Family Ministries
  • Church Ministries
  • Church Planting & Revitalization
  • Communication
  • Counseling
  • Counseling Ministries
  • Criminal Justice
  • Digital Media Arts
  • Drama
  • Education
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  • Elementary Education
  • Middle & Secondary
  • English Language Arts/Reading
  • Social Studies/History
  • Music Education (Instumental, Piano, Vocal)
  • Physical Education
  • English
  • General Ministries
  • History
  • Human Services
  • Management
  • Management Information Systems
  • Marketing
  • Media Ministries
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  • Music Performance (Instrumental, Piano, Vocal)
  • Pastoral Ministries
  • Professional Development
  • Psychology
  • Social Work
  • Sports Management
  • Theological Studies
  • World Ministries
  • Youth & Student Ministries

Associate (on campus or online degrees)

  • Bible
  • Business Administration
  • Early Childhood Education
  • Education
  • English
  • Foreign Language
  • General Business
  • General Studies
  • Media
  • Music
  • Psychology
  • Social Studies

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