Skip To Top Navigation Skip To Content Skip To Footer

Student Loans

Financial Aid at JCU

Student Loan Options

Student loan options include: U.S. Federal Direct Student Loans, U.S. private student loans, Italian private loans and international government funded loans and grants. For questions, please contact JCU Financial Aid Office.

U.S. Federal Direct Student Loans Terms and Conditions

JCU participates in the U.S. Title IV Loan Program for Federal Direct Subsidized/Unsubsidized Loans and Parent PLUS loans. If you are a United States citizen, or a eligible non-citizen, enrolled in an associate, undergraduate or graduate program at John Cabot University you may be eligible to borrow U.S. Federal Direct Loans. A student's enrollment in a program of study abroad approved for credit by the home institution may be considered enrollment at the home institution for the purpose of applying for assistance under Title IV programs.

Federal Direct Loan Annual & Lifetime Limits

Student Classification (number of credit hours earned) Dependent Students (except students whose parents are unable to obtain PLUS Loans) Independent Students (& dependent undergraduates whose parents are unable to obtain PLUS Loans)
1st Year (0-29 credits) Undergraduate Annual Loan Limit $5,500 (Max. $3,500 Subsidized) $9,500 (Max. $3,500 Subsidized)
2nd Year (30-59 credits) Undergraduate Annual Loan Limit $6,500 (Max. $4,500 Subsidized) $10,500 (Max. $4,500 Subsidized)
3rd Year & Beyond (60 or more credits) Undergraduate Annual Loan Limit $7,500 (Max. $5,500 Subsidized) $12,500 (Max. $5,500 Subsidized)
Graduate or Professional Students Annual Loan Limit Not Applicable (graduate & professional students are independent) $20,500 (Unsubsidized only)
Subsidized & Unsubsidized Aggregate Loan Limit $31,000 (Max. $23,000 Subsidized) $57,500 - undergraduates (Max. $23,000 Sub.) $138,500 - grad/prof. students (Max. $65,500 Sub.)

U.S. Private Student Loans

Private loans are available to degree-seeking and study abroad students who are United States citizens and permanent residents. JCU encourages students and families to first consider paying for university with savings, grants, scholarships, and federal student loans. Students and families should estimate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan. Note, JCU does not endorse Sallie Mae or Earnest loans, though they may be used at U.S. foreign schools. Students are encouraged to explore all private loans options.

Sallie Mae Smart Option Loan

For undergraduate students pursuing a bachelor degree or associate degree at a degree-granting school. Learn more about the Sallie Mae® Smart Option Student Loan.

Sallie Mae Graduate School Loan

For graduate students to pay help for expenses when pursuing a master's or doctoral degree. When savings, scholarships, and federal aid are not enough to pay for your school expenses, you can find private graduate student loans designed for your field of study. The Sallie Mae Graduate School Loan can also be an alternative to the Federal Direct Grad PLUS Loan, and if you are highly qualified, you may receive a lower interest rate. Learn more about the Sallie Mae® Graduate School Loan.

Earnest Student Loan

For undergraduate or graduate students pursuing a bachelor or master degree. Learn more about the Earnest Student Loan options.

International Student Loans, Grants & Scholarships

Student loans, grants & scholarships may be available to degree-seeking and study abroad students through their home country.

"Per Merito" Student Loan via Banca Intesa SanPaolo

Students may be eligible to borrow an Intesa SanPaolo “Per Merito” Student Loan to help fund their studies. For more information, please visit the Intesa SanPaolo website.

Please note that JCU does not collaborate with and has not entered into any specific agreement or convention with Intesa SanPaolo.

 Back to Top
Come for the Community

Get Ready for the World