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Members of the University community should respond to the daily VitalCheck prompt at least 30 minutes prior to entering campus.

Federal Direct Unsubsidized Loans


Students must be enrolled at least half time as in a degree-granting or eligible certificate program. Continuing students must also maintain Satisfactory Academic Progress (SAP).

Loan Limits

Graduate Students can borrow up to $20,500 per academic year. Fordham’s academic year begins with the fall term and ends with the summer term. The aggregate lifetime borrowing limit for subsidized/unsubsidized loans is $138,500.

Interest Rate and Origination Fee

The interest rate is fixed at 5.284% for loans disbursed between July 1, 2021, and June 30, 2022. Interest begins to accrue upon disbursement

There is a 1.057% origination fee deducted from each loan disbursement. The actual disbursement amount is approximately 98.943% of the borrowed loan amount.


Repayment begins six months after graduation or six months after you drop below half-time enrollment.