US Student Loans

University of Roehampton participates in the William D. Ford Federal Direct Loan Program.

Direct subsidised and unsubsidised loans, and Direct PLUS loans for eligible US citizens and eligible non-citizens are administered on behalf of the US Department of Education (USED) for all eligible degree programmes offered.


Direct loans Your loan eligibility will be assessed in the first instance by checking if you meet all eligibility criteria on your Free Application for Federal Student Aid (FAFSA).

In addition to completing a FAFSA, you will need to be accepted on to a degree granting program at our university on at least a half-time basis and meet other eligibility requirements such as maintaining Satisfactory Academic Progress (SAP) and being within the borrowing limits for Direct Subsidized Loans and Direct Unsubsidized Loans.

If you're a US citizen or eligible non-citizen, we advise students to review the terms and conditions for Federal Loans and Private Loans before applying

If you will be attending Roehampton as a Study Abroad student, you need to process your loan application through your home university in the US.

If you are planning on studying a degree programme that allows you to study abroad at another institution as part of that programme you need to consult with the study Abroad Team to ensure that the host school is Title 1V eligible.

If a degree programme is offered jointly by a partner institution that hasn't been approved for participation in the Direct Loan Programme, the whole programme is deemed to be ineligible.

Only degree programmes offered at University of Roehampton are eligible for funding by federal loans, provided the programme isn't offered fully or in part by distance learning.  The CARES Act passed by the US Government allows alternative teaching methods while restrictions because of COVID 19 remain in place.

Masters and doctoral students enrolling at foreign schools won't be eligible for federal loans if any of their research or work on their dissertation or thesis will be conducted in the US, according to federal regulations. There are some exceptions for PhD students. Please contact the student Finance Office for further information at

If you withdraw from the programme you will no longer be eligible to receive Direct Loan instalments. If you withdraw from your programme during a payment period the university and/or the student may be required to return Direct Loan funds as per the Withdrawal and Return of Title IV policy.

  1. Complete your FAFSA application. 

    You will need to complete the Free Application for Federal Student Aid (FAFSA) online at We will use the information from your FAFSA to assist in determining your eligibility for a Direct Subsidized, Unsubsidized and PLUS loans.

    To complete the FAFSA electronically you will need: 

    • Roehampton University School Code – G21019; 
    • Federal Student Aid PIN. To apply for a PIN if you do not already have one, or for customer service regarding a previously assigned PIN, visit the Federal Student Aid PIN website at
    • Please note: parents applying for PLUS loans do not need to complete the FAFSA. 

What happens next?

  1. Eligibility

    Once the Department processes your FAFSA, you will receive a Student Aid Report (SAR). Please retain the SAR for your records and send it to

    After we have received your SAR form, we will determine your eligibility for a Direct Subsidized, Unsubsidized and PLUS loans and will notify you of the loans and amounts for which you are eligible. 

    • Depending on your status as undergraduate or graduate/professional student you may be eligible for a Direct PLUS Loan. 
    • If you are a dependent undergraduate student, your parent(s) may be eligible for a Parent Direct PLUS Loan.
    • Independent undergraduate students are not eligible to receive PLUS or Parent PLUS loans. 
  2. Apply for your Direct Loans 

    • Once we have confirmed the maximum amount you are eligible to borrow you can apply for your Direct Subsidised, Unsubsidised or PLUS loans at

Direct Subsidised and Unsubsidised loans:

The information below details the maximum total per year of Direct Subsidised and Unsubsidised Loans for Undergraduate Dependent, Independent and Grad & Professional students:

Important to know:

The maximum amount you are eligible to borrow cannot exceed the Lifetime Aggregate Maximum detailed in the table below (PLUS loans do not have a Lifetime Aggregate):


Dependent Undergraduate Student



Maximum Sub

Maximum Unsub

Maximum Sub & Unsub


1st year

USD 3,500

USD 2,000

USD 5,500

The remaining balance may be taken in Parents PLUS or private loans.

2nd year

USD 4,500

USD 2,000

USD 6,500

3rd year and up

USD 5,500

USD 2,000

USD 7,500


Independent Undergraduate Student



Maximum Sub

Maximum Unsub

Maximum Sub & Unsub

The remaining balance may be taken in private loans but not in PLUS loans.

1st year

USD 3,500

USD 6,000

USD 9,500

2nd year

USD 4,500

USD 6,000

USD 10,500

3rd year and up

USD 5,500

USD 7,000

USD 12,500


Grad & Professional Student

Maximum Sub

Maximum Unsub

Maximum Sub & Unsub







USD 20,500



USD 20,500

The remaining balance may be taken in Grad PLUS or private loans but not in Parent PLUS loans.


Lifetime Aggregate Max


Sub Loan

Sub & Unsub Loan


Dependant UG

USD 23,000

USD 31,000

No Lifetime Aggregate

Independent UG

USD 23,000

USD 57,500

No Lifetime Aggregate

Grad & Professional

USD 65,500

USD 138,500

No Lifetime Aggregate

After you have applied for your Direct and/or PLUS loans we will ask you to provide us confirmation that the following documents have been submitted by emailing -

  • Master Promissory Note (MPN) for Direct Subsidised and Unsubsidised loans;
  • Master Promissory Note (MPN) for PLUS loans;
  • Acknowledgement that you have completed entry counselling for both loans;
  • Credit check confirmation if you are taking Grad or Parent PLUS loans
  • You will also need to return the completed ‘Student Loan Request Form’ to us via email
  • Please note that all male applicants need to send us confirmation of their Selective Service registration.

Alternative Education (‘Private’) loans

Students studying on degree programmes, Diploma programmes, PGCEs and other Certificate programmes and study abroad programmes should be eligible for a private loan.

In addition to or instead of Direct Loans you can opt to take private loans up to the Cost of Attendance. Please note these loans are subject to credit checks.

For more information see  Global Education Management Services - see Loan application and solicitation disclosures

Alternatively further information about applying for loans can be found here. The Private lender will advise the University that a loan application has been made in your name. We will ask you to complete the ‘Student Loan Request Form’ and return it to us via email.

US Department of Veteran Affairs.

Roehampton is registered with the US Department of Veteran Affairs. If you are a US Veteran then you will be able to use your Chapter 33 (post 9/11 GI Bill) and Chapter 35 benefits to fund your studies at Roehampton.

Please see the Department of Veterans Affairs for further details.

The University will determine your Cost of Attendance (CoA). It allows for the full cost of your tuition fees for the academic year plus assessed living costs for the academic year. The CoA includes tuition, housing, transportation, composite living, NHS healthcare, visa, and airfare.  The total that you borrow in Federal and Private loans plus any scholarships you may be receiving cannot exceed your CoA.

The CoA can be adjusted to a lower amount, as long as you meet the necessary funds required stated by UKVI regulations when applying for your Tier 4 (general) student visa.  Information on the UKVI amount is listed on our website under ‘Money’.


2020/21 CoA 1st UG Year - $24,897 excluding tuition fees.

2020/21 CoA PG 1 Year - $30,181 excluding tuition fees.

2020/21 CoA PG Year 1 of 2 years course - $30,451 excluding tuition fees.

2020/21 CoA PhD Year 1 of a 3 years course - $30,856 excluding tuition fees.

Please see example Cost of Attendance here for undergraduate and here for postgraduate.

Accommodation Fees

Please check the Accommodation page for additional information.

The total COA will be reviewed and will vary each academic year in line with inflation and varying US$ exchange rates. The exchange rate used for the CoA is higher than the current exchange rate to ensure students will be able to cover their costs while studying in the UK and to allow for a significant fluctuation in exchange rates. A worst-case scenario would be where higher number of dollars than anticipated is needed to buy one pound. For 2020/21, we will use an exchange rate of 1.35 to calculate cost of attendance amounts.

At each disbursement of loans, when exchanging funds from dollars to pounds, we will use the rate applicable on the day we receive the funds from the US Dept. of Education.

Federal loans are disbursed in three equal instalments at the start of the three terms. Private loans can be disbursed in one two or three instalments depending on the programme of study.

The disbursement dates for 2020/21 are:

Undergraduate and Postgraduate:

Disbursement one: September 2020 (post-enrolment)

Disbursement two: January 11, 2021

Disbursement three: April 12, 2021

These dates are for guidance only and will be confirmed in your Loan Confirmation Letter, so you will need to ensure you have sufficient funds of your own to cover your living expenses until the first payment is received.

Grace period

Information on repayment of federal loans is available at loan servicer can also provide information on repayment. Details are available on

There is a six-month grace period on repayment of the Stafford loan once a student has withdrawn, graduated or dropped below half time. There is no grace period for the PLUS loan.


Deferment and forbearance

If you are not able to start repaying your loans, you may qualify for a deferment or forbearance that will temporarily suspend or reduce your repayments. This could help prevent default, which would impact negatively on your credit rating. Details are available at


Direct loan consolidation

You may be able to combine all of your existing Federal loans into one loan, known as a Direct Consolidation Loan with one loan repayment every month and flexible repayment options. Further details are available at

Consumer Information 2020-21

1098T Form - The University is not registered with the US IRS and does not currently complete 1098T tax forms for its students.