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Stafford Loans

Responsible Borrowing

More federal aid tutorials are available on the FAFSA page.

Federal Stafford Loans are low-interest loans backed by the Federal Government. For students who must borrow to supplement personal and family savings, Stafford Loans have a fixed 2.75% interest rate for the 2020-2021 academic year.

There are two types of Stafford Loans: Subsidized and Unsubsidized.

  • Subsidized Loans are preferable because the government pays all the interest while you are enrolled in school at least half-time and for a six-month grace period after students graduate or discontinue.
  • Unsubsidized Loans begin accruing interest 60 days after disbursement. Students may choose to make monthly payments on Unsubsidized Loans while they are in school.


  • Be a U.S. citizen, permanent resident, or other eligible non-citizen.
  • Have a high school diploma or its recognized equivalent.
  • Be admitted to BYU–Hawaii as a regular student in a degree-seeking undergraduate program, teacher certification, or required re-certification, or taking prerequisite courses for admission to a graduate degree-seeking program (for a current or future enrollment during the academic year).
  • Meet all Satisfactory Academic Progress (SAP) requirements
  • Be enrolled in at least half-time (audit and challenge credits not applicable). Be enrolled in at least 51% of on-campus credits.
  • Be awarded by your last day of eligible enrollment and not have exceeded federal loan limits.
  • Not be in default on a federal student loan or owe a refund on a federal grant.


  1. Complete your FAFSA application! For Unsubsidized Stafford Loans, please submit an Unsubsidized Stafford Loan Request Form.
  2. Complete verification, if selected
  3. Complete a Master Promissory Note.
  4. Complete an Entrance Counseling.
  5. Review financial aid award letter.

Please note, Stafford Loans by default are disbursed to a student's account over three (3) semesters. Students may be asked to provide proof of citizenship.