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Apply for a Loan

THE WILLIAM D FORD FEDERAL DIRECT LOAN PROGRAM provides loans for students and parents to help pay for the cost of a student's education after high school. The lender is the U.S. Department of Education rather than a bank or other financial institution.


These are student loans. Subsidized Loans are for students with demonstrated financial need, as determined by the FAFSA. No interest is charged while a student is in school at least half-time, during the grace period and during deferment periods. Direct Unsubsidized Loans are not based on financial need; interest is charged during all periods. Students may apply on-line at and you will use your PIN number from the FAFSA to sign the Master Promissory Note electronically. Students must also complete an "Entrance Counseling" session to receive a Direct Loan. The entrance counseling may be found at

For Students:

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These are low-interest loans for parents of dependent students. Interest is charged during all periods, beginning on the date of your loan's first disbursement. Parents cannot have an adverse credit history (a credit check will be done). Parents may apply on-line at Parents will also use their PIN number from the FAFSA to sign the Master Promissory Note electronically.

For Parents:

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NOTE: Master Promissory Notes (MPN's) for both loan programs only need to be completed for the student's first year at Catawba. Since these notes are MPN's, we will send loan eligibility amounts to the student on their Award Letter each year so that the student can accept the amount to be added to their MPN.