US Government Direct Lending Program

Federal Student Aid

The University of Western Ontario participates in the US government Title IV program known as the William D. Ford Federal Direct Loan Program. American students may apply for Stafford loans; parents of dependent undergraduate students may apply for PLUS loans. In addition to the Stafford loans, graduate and students in professional programs may apply for Grad PLUS loans.  Students attending a school outside of the US are not eligible for grants offered through the Direct Loans program.

Direct Loan Annual Loan Limits

*Effective for programs with start dates as of July 1, 2012

Dependent Undergraduates Subsidized Total (Subsidized and Unsubsidized)
First Year $3500 $5500
Second Year $4500 $6500
Third Year and Fourth Year  $5500 $7500
Independent Undergraduates and Dependent students whose parents cannot borrow a PLUS loan
First Year $3500 $9500
Second Year $4500 $10500
Third Year and Fourth Year $5500 $12500

Graduate and Professional


Total (Subsidized and Unsubsidized)





Direct Loan Aggregate Loan Limits


Subsidized Only Total Aggregate (Subsidized and Unsubsidized combined)

Dependent Undergraduate



Independent Undergraduate



Graduate and Professional



Graduate and Parent PLUS loans – the maximum amount you are able to borrow will be based on the amount requested, the students cost of attendance (as determined by Western University) and the amount of subsidized/unsubsidized loans the student is eligible to receive.

Please review the following topics for further information on Direct lending.

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How To Apply
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Cost of Attendance
The Student Budget Read More
Entrance and Exit Counseling
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Tuition Deferrals
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Receiving your Funding
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Satisfactory Academic Progress
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Course Withdrawal
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Loan Repayment
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Consumer Disclosures
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Default Prevention and Management

Before you borrow please read this. If you have already borrowed on a student loan pay particular attention to this Q&A as it will provide valuable information and hopefully keep you out of any legal issue’s concerning your student loan. This Q&A will help answer most of your questions and give you resources to assist you while in school, during a leave of absence/withdrawal and after completion of your program.

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Publications and Websites
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