Welcome to Arkansas State University!

Loans are funds that you must repay. Federal Loan programs offer a secure, government-regulated and reasonably affordable way to invest in yourself and your goal of a higher education. Even though some loans are based on financial need, there are programs available to all federally eligible students regardless of income.

Federal Perkins Loans

This is a low interest (5%) loan to help pay for both undergraduate studies, and graduate studies. Priority is given to students who show exceptional financial need. Federal Perkins Loans are made through Arkansas State University with government funds. This loan must be repaid.

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Federal Direct Grad PLUS Loans

Federal Direct Grad PLUS Loans enable Graduate and Professional students with good credit history to borrow additional funds if they are enrolled at least half-time (5 hours). Direct Grad PLUS loan eligibility is not based on financial need, so these loans are made regardless of income level.

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Private Student Loans

These Student Loans are recommended only for students who have exhausted all of their eligibility for Federal Direct Unsubsidized Loans and Grad PLUS Loans, or are not eligible for the Federal Direct Unsubsidized Loans or Grad PLUS loans.

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University Student Loan Code of Conduct

The university’s first priority in conducting business with student loan providers is to ensure they have services that provide for the best interests of student and parent borrowers.


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Loan Calculator

Person using a calculator

Our loan repayment calculator is an easy tool to determine the payment information of your student loan.


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