Federal Loan Updates

Graduate students will continue to have access to Federal Direct Unsubsidized Loans, with the following limits:

• Annual Limit: $20,500 per academic year
• Aggregate Limit: $100,000 for graduate-level study

Undergraduate federal loans, private loans, or PLUS loans do not count toward this graduate aggregate limit. However, any prior graduate-level borrowing of Federal Direct Unsubsidized Loan will be included.

Timeline for Changes

July 1, 2026 is the date when OBBBA-related updates take effect for federal student loans.

Your start term will determine how these updates apply to you, including whether transitional provisions may be available.

If you’re starting to explore CGU and considering your funding options, we encourage you to connect with an admissions representative to discuss the start term and program that’s right for you.

● Federal Direct Unsubsidized Loans

Federal Direct Unsubsidized Loans allow you to borrow up to $20,500 per academic year based on your enrollment. Read more about Federal Direct Unsubsidized Loans on the studentaid.gov website.

● CGU Fellowships

CGU provides fellowships for more than 85% of CGU students, with an average of $12,000 per year in funding. CGU Fellowships do not need to be repaid and are directly applied to your tuition costs. Read more about CGU Fellowships.

● Private or Credit-Based Loans

Private loans are offered by external lenders, such as banks or financial institutions, and are not part of federal aid programs. Terms and eligibility vary, so it’s important to review options carefully before borrowing. Read more about borrowing essentials and private lending options on FastChoice.

● External Scholarships

External scholarships are offered by organizations outside of CGU and do not need to be repaid. These awards can help supplement your funding and reduce your reliance on loans. View available scholarship resources.

● Student Employment

You may qualify for part-time work as a graduate assistant, research assistant or teaching assistant. If you are interested in working up to 20 hours per week, enrolled students can access our job platform via Handshake through the Career and Professional Development Office or learn of opportunities directly through their academic department.

Additional information about funding sources is available on our Cost & Aid page.

1. Check your federal loan history and apply for Federal Student Aid: Log in to studentaid.gov. CGU’s federal school code is G01169.
2. Explore additional funding opportunities (such as external scholarships and private loan options, employer support, or personal resources).