Student Financial Services


Student Loan Programs

Student loan programs to finance your college education.

After filing your Free Application for Federal Student Aid you may be presented with options for student loans from the government or you may consider taking out an alternative loan from a private lender. We encourage you to think carefully about your educational investment as well as your long-term financial commitments when borrowing.

All eligibility criteria including submission of required documents and acceptance into an eligible program of study must be met by the required deadlines. Please consult with the Office of Student Financial Services about aid eligibility for non-degree certificate programs, as aid eligibility may differ from our degree offerings.

2018-2019 Federal Direct Loan Interest Rates

All information is current as of June 7, 2018; interest rates and loan fees are subject to yearly changes implemented by the United States Congress.

New Interest rates for loans first disbursed between July 1, 2018 and July 1, 2019:
Loan Type Borrower Type Fixed Interest Rate
Federal Direct Subsidized Loans Undergraduate Students 5.05%
Federal Direct Unsubsidized Loans Undergraduate Students 5.05%
Federal Direct Unsubsidized Loans Graduate/Professional Students 6.60%
Federal Direct PLUS Loans Parents of Dependent Undergraduate Students and Graduate/Professional Students 7.60%

** All interest rates are fixed throughout the life of the loan. 

2018-2019 loan fees

Loan Fees are a percentage of the principal amount charged for each Federal Direct Loan borrowed. The fee is subtracted proportinally from each disbursement of the loan. Please refer to your Master Promissory Note (MPN) and disclosure statement.
New loan fees for disbursements made starting October 1, 2018 and before October 1, 2019.
Federal Direct Subsidized Loans and Federal Direct Unsubsidized Loans will be 1.062% (down from 1.066% for the October 1, 2017 and before October 1, 2018 period).
Federal Direct PLUS Loans (Parents and Graduate Students) 4.248% (down from 4.264% for the October 1, 2017 and before October 1, 2018 period). 
 For prior interest rates and loan fees please refer to
Students who are receiving Federal financial assistance (Title IV financial aid including grants and loans) in excess of their institutional charges will have money available for books and supplies beginning 10 days before the beginning of the semester. Following are the steps in this process:
  1. Eligible students will be notified through their Adelphi email account informing them that they qualify for an advance of funds for books/supplies.
  2. An email will also be sent to the Adelphi bookstore indicating maximum eligibility for the anticipated books/supplies credit. The maximum will be the lesser of the anticipated credit balance or $510 per semester.
  3. After receiving the email students will visit the Adelphi bookstore and make books/supplies purchases. The Adelphi student account will be billed for the amount of this anticipated credit and will be adjusted based on actual usage.
  4. If you wish to opt out of this process you must respond via the instructions included in your email.
  5. The anticipated credit balance is subject to change if there are revisions to the financial aid awards. Changes in enrollment, housing status and cost of attendance or application information may cause revisions to financial aid awards.

Types of Loans

Learn about loans available to undergraduates, parents and graduate students.

» Explore loan options

Title IV

The University’s Code of Conduct for loans.

» Read code of conduct

Rights and Responsibilities of a Student Loan Borrower

These steps are required for certain loans. Make sure you follow the guidelines to secure your loan funds.

» Entrance counseling

» Master promissory note

» Exit counseling

The information contained on this site is subject to change without notice.

For further information, please contact:

Office of Student Financial Services
Levermore Hall, Lower Level
p – 516.877.3080
p – ext. 2240 (on campus only)
f – 516.877.3380
e –

» View office hours

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