[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-583825-105":59,"doc-detail-583825-en":130},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":123,"head_meta":125,"extra_data":127,"updated_unix":129},105,"en","basics-of-student-loans-steps-to-receive-direct-loans-responsible-borrowing-guide","BASICS OF STUDENT LOANS - Steps to Receive Direct Loans - Responsible Borrowing Guide","","A guidance brochure for adults returning to school or recent high school graduates explains how to plan and fund education using federal Direct Loans responsibly. It introduces Direct Subsidized, Unsubsidized, and PLUS loan types, outlines how to check eligibility, complete the FAFSA each year, review school aid offers, and complete a Master Promissory Note and entrance counseling. It also emphasizes considering total borrowing needs, borrowing only what is necessary, and comparing Direct Loans with private loans.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":20,"@type":76,"position":81},"https://docshare.wps.com/document/exam/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/basics-of-student-loans-steps-to-receive-direct-loans-responsible-borrowing-guide/583825/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/basics-of-student-loans-steps-to-receive-direct-loans-responsible-borrowing-guide/583825.png","ImageObject",300,407,{"name":92,"@type":93},"Connor ","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-20","2026-10-15",true,{"@type":102,"interactionType":103,"userInteractionCount":19},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"What are Direct Loans and who offers them?","Question",{"text":112,"@type":113},"Direct Loans are federally provided education loans offered through the U.S. Department of Education via the William D. Ford Federal Direct Loan Program.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"What steps are required to receive a Direct Loan?",{"text":117,"@type":113},"Applicants must determine eligibility, complete the FAFSA® form each year, review aid offers from the school, and complete a Master Promissory Note plus entrance counseling when required.",{"name":119,"@type":110,"acceptedAnswer":120},"Why should borrowers consider Direct Loans before private student loans?",{"text":121,"@type":113},"The brochure notes Direct Loans typically offer benefits such as low fixed interest rates, flexible income-based repayment options, and potential cancellation or forgiveness options, along with deferment or forbearance.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},583825,1792397009,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":19,"category_name":20,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":19,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":29,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":144,"preview_page_count":4},687207022233,"https://ap-avatar.wpscdn.com/davatar_155a257f0dc6eb9ab79c44ca47cae57d","Whether you’re an adult returning to school or a recent high school graduate, there’s a lot to consider when you’re thinking about college or career school. One of those considerations should be how you plan to fund your education.  \nChances are, you’ll to need to rely on student loans (money that you borrow and pay back with interest*) to help pay for at least part of your education.  \nDirect Loans (loans made by the federal government) are available to help you cover your education expenses. This brochure will help guide you through the basics of responsible borrowing.  \nBASICS OF STUDENT LOANS  \nWith careful planning and an understanding of the basics of student loans, you can help ensure that you achieve your academic goals and graduate with a manageable amount of debt.  \nKnow the Types of Direct Loans  \nThe U.S. Department of Education (ED) offers Direct Loans through the William D. Ford Federal Direct Loan (Direct Loan) Program. There are three types of Direct Loans that can help students and parents pay for education after high school.  \n\n| LOAN TYPE | AVAILABLE TO | DETAILS AND UPDATES |\n| --- | --- | --- |\n| Direct Subsidized Loans* | Undergraduate students who have fnancial need | [StudentAid.gov/sub-unsub](StudentAid.gov/sub-unsub) |\n| Direct Unsubsidized Loans* | Undergraduate, graduate, and professional degree students | [StudentAid.gov/sub-unsub](StudentAid.gov/sub-unsub) |\n| Direct PLUS Loans | Graduate and professional degree students, and parents of dependent undergraduate students (you must not have an adverse credit history) | [StudentAid.gov/plus](StudentAid.gov/plus) |\n\nFor information on current Direct Loan interest rates, visit [StudentAid.gov/interest](StudentAid.gov/interest).  \nConsider Direct Loans First  \nStudent loans can also come from private sources, such as banks or fnancial institutions. These are often called private student loans. Direct Loans have many benefts that private loans don’t typically offer, such as  \n• low fxed interest rates;  \n• fexible repayment plans based on income;  \n• cancellation, discharge, and forgiveness of loans under certain circumstances (learn more at [StudentAid.gov/forgiveness](StudentAid.gov/forgiveness)); and  \n• postponement options, including deferment* and forbearance* of loan payments if you return to school or experience an economic hardship.  \nTo learn more about the differences between Direct Loans and private loans, visit [StudentAid.gov/federal-vs-private](StudentAid.gov/federal-vs-private).  \n*Please refer to the glossary on the back page  \nSTEPS TO RECEIVE DIRECT LOANS  \nDetermine Your Eligibility  \nTo qualify for a Direct Loan, you must be enrolled (or planning to enroll) at least half-time at a school that participates in the Direct Loan Program. You must also meet general eligibility requirements for the federal student aid programs. You can learn more about these requirements at [StudentAid.gov/eligibility](StudentAid.gov/eligibility).  \nFill Out the FAFSA® Form  \nTo apply for Direct Loans, you need to complete the Free Application for Federal Student Aid (FAFSA®) form every year you’re in school. Completing and submitting the FAFSA form is free, and the fastest and easiest way to do so is online at [fafsa.gov](fafsa.gov).  \nVisit [StudentAid.gov/fllingout](StudentAid.gov/fllingout) for details about the application process.  \nReview Aid Offers  \nThe schools that you identifed on your FAFSA form (and that have offered you admission) will send you fnancial aid offers that include the types and amounts of fnancial aid you may receive. You’ll be asked to indicate which fnancialaid you want to accept.  \nA good rule of thumb is to accept free money frst (scholarships* and grants*), then earned money (work-study*), and then borrowed money (Direct Loans) . You don’t have to repay grants, scholarships or work-study earnings (as long as you complete the term for which you were paid) . Once you have exhausted those options, then you should look to Direct L","cbCainqzI3782Tuv","https://ap.wps.com/l/cbCainqzI3782Tuv","pdf",1325210,"English","# BASICS OF STUDENT LOANS\n## Know the Types of Direct Loans\n## Consider Direct Loans First\n# STEPS TO RECEIVE DIRECT LOANS\n## Determine Your Eligibility\n## Fill Out the FAFSA® Form\n## Review Aid Offers\n## Complete a Master Promissory Note and Entrance Counseling\n# THINGS TO CONSIDER BEFORE RECEIVING A LOAN","[{\"question\":\"What are Direct Loans and who offers them?\",\"answer\":\"Direct Loans are federally provided education loans offered through the U.S. Department of Education via the William D. Ford Federal Direct Loan Program.\"},{\"question\":\"What steps are required to receive a Direct Loan?\",\"answer\":\"Applicants must determine eligibility, complete the FAFSA® form each year, review aid offers from the school, and complete a Master Promissory Note plus entrance counseling when required.\"},{\"question\":\"Why should borrowers consider Direct Loans before private student loans?\",\"answer\":\"The brochure notes Direct Loans typically offer benefits such as low fixed interest rates, flexible income-based repayment options, and potential cancellation or forgiveness options, along with deferment or forbearance.\"}]","BASICS OF STUDENT LOANS - Steps to Receive Direct Loans - Responsible Borrowing Guide | PDF",1792048605,15]