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Federal Direct Loans

Federal Direct Stafford Loans are available to all eligible students who complete a Free Application for Federal Student Aid (FAFSA).


All students are eligible for Direct Unsubsidized Loans, regardless of financial need. An unsubsidized loan will accrue interest beginning at disbursement. Interest may be paid or deferred until the loan goes into repayment.

How to Apply

Graduate / Professional

First time borrowers at Moravian must complete Loan Entrance Counseling and the Federal Direct Loan Master Promissory Note (MPN) at You will need to know your FSA ID to log into this site.

To complete your Entrance Counseling:

To complete your MPN:

Transfer students who have borrowed through the Direct Loan program at their previous institution do not need to complete the Master Promissory Note or Entrance Counseling.

Loan Limits for Graduate Students

Base Amount

All graduate and professional students are considered independent and therefore are eligible for $20,500 Direct Unsubsidized Loan annually. The student needs to be registered at least half-time (6 credits or more) to be eligible. Graduate students may borrow a maximum of $138,500.

For more information, visit

Terms and Conditions

  1. All graduate Federal Direct Unsubsidized Loans have a fixed interest rate of 6.08% for loans disbursed after July 1, 2019 and prior to June 30, 2020.
  2. The standard 10-year repayment period begins 6 months after graduation or the student ceases to be enrolled at least half-time. Operations for income based and more flexible payment plans are also available at
  3. There is a net Origination Fee of 1.059% for Federal Direct Loans disbursed on or after October 1, 2019 and prior to October 1, 2020.