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Direct Loans Customer FAQ

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What is Direct Loans's Phone Number?

The question we are asked most often is about how to talk to Direct Loans customer service. Click here for contact information, email and chat options, getting a live person, wait times and more.
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Recent Direct Loans Customer Questions

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Loan Basics

What are Direct Loans?

Direct Loans, or Federal Direct Loans, are federal student loans from the U.S. Department of Education aimed at helping...
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Who is eligible for Direct Loans?

Eligibility for Direct Loans requires students to be enrolled at least half-time in an approved program at a participating...
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What is the difference between subsidized and unsubsidized Direct Loans?

Subsidized Direct Loans are aimed at undergraduates with financial need, with the government paying interest while the student...
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Interest and Repayment

What are the interest rates for Direct Loans?

Interest rates for Direct Loans depend on the loan type and disbursement date, with fixed rates for undergraduate and graduate...
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When do I need to start repaying my Direct Loan?

Repayment on a Direct Loan starts six months after graduation, leaving school, or dropping below half-time. This grace period...
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Can I defer or forbear my Direct Loan payments?

Borrowers can choose to defer or forbear Direct Loan payments based on their needs. Deferment allows payment cessation without...
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What happens if I can't make my Direct Loan payments on time?

Failing to make Direct Loan payments on time can harm credit scores and limit future borrowing options. Borrowers may consider...
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Can I change my repayment plan for Direct Loans?

Borrowers can change their repayment plans for Direct Loans as the U.S. Department of Education offers multiple options suited...
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Loan Assistance Options

What is loan consolidation and how does it work for Direct Loans?

Loan consolidation allows borrowers to merge multiple federal student loans into a single Direct Consolidation Loan,...
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What options are available for loan forgiveness for Direct Loans?

There are several options for Direct Loan forgiveness, including the Public Service Loan Forgiveness, Teacher Loan Forgiveness,...
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Are there any consequences for defaulting on a Direct Loan?

Defaulting on a Direct Loan can lead to serious financial consequences, such as a damaged credit score, wage garnishment, loss...
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Application Process

What is the process for applying for Direct Loans?

Students must follow specific steps to apply for Direct Loans, starting with completing the FAFSA to determine financial aid...
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How can I check the status of my Direct Loan application?

To check the status of a Direct Loan application, individuals should visit the U.S. Department of Education's website and use...
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