United States

US Federal Financial Aid (student loans)

Anglia Ruskin University participates in the US Federal Direct Loan programme (Direct Loans) which can provide funding to cover your tuition fees and living expenses, subject to approval by the US Funding team.

Funds are available through Direct subsidized (undergraduates only), unsubsidized and PLUS loans.

Direct Loans can be combined with an international scholarship for eligible students.

Eligibility

You must meet the criteria set by the US Department of Education in order to be eligible for US federal loans. The eligibility criteria on this page does not apply for private loans.

The federal loan eligibility criteria are subject to change at the US Department of Education's discretion and are beyond the University's control. You can check the latest eligibility criteria on the Federal Student Aid website.

In addition to the criteria specified on the Federal Student Aid website, you must also:

  • be enrolled at least at a half-time rate for the duration of your course
  • be studying an eligible, degree-bearing course (PGCert and PGDip courses are classed as ineligible)
  • make satisfactory academic progress during your course and
  • with limited exceptions, undertake your study or research in the UK.

Students receiving federal loans are only permitted to study at ARU in Cambridge, Chelmsford  Peterborough and Writtle. You cannot take online courses and access a federal loan.

Ineligible courses

There are restrictions on our ability to offer federal loan funds to students on certain courses. Ineligible courses include those which are:

  • less than half-time
  • not degree-bearing
  • include any online element
  • involve distance learning.

PGCert and PGDip courses are classed as ineligible. This change to US law was made by the Higher Education Reconciliation Act (HERA) that came into force on 1 July 2006.

Our US Funding team will advise if your course is ineligible when you submit your loan application. Students on ineligible courses may be eligible for a Private loan.

How we process applications

Our US Funding team will start looking at applications (from both new and current students) from the beginning of May for our September intake. You should first have firmly accepted a conditional offer of a place at Anglia Ruskin University.

How to apply and other information

How to apply
Cost of Attendance (CoA)
Student Loan Information from the U.S. Department of Education
Loan Types
Loan Amounts
Interest Rates and Repayment
Receiving your Loan
Consumer Information
Exit Counselling
Leave of Absence
Satisfactory Academic Progress Policy
Origination fees
In-School Deferment Forms
Disclaimer
Federal Student Loan Terms and Conditions

Questions?

If you have any questions about loans, please contact our US Funding team: