Need-Based Financial Aid

Federal and State Student Loans

The prospect of borrowing may be intimidating for some students, but when you borrow a low-cost student loan to pay for tuition and fees, you are making a smart investment in your future.

Federal and state student loans are usually limited to amounts that make repayment manageable. Additionally, federal loans have several repayment and forgiveness options.

Below are the federal and state loan options available to Emmanuel College students:

Direct Subsidized and Unsubsidized Loans

Students who are eligible to receive federal student aid may qualify to borrow Direct Subsidized and Unsubsidized Loans.

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Federal Perkins Loan

This federal loan program is no longer being funded after the 2017-2018 year. 

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Massachusetts No-Interest Loan

An interest-free loan funded by the Commonwealth of Massachusetts and awarded to students with high demonstrated financial need.

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