United States Student Loans

  • Oxford Brookes University participates in the William D. Ford Federal Direct Loan (Direct Loan) Program.

    Please read through the information provided below before starting the application process. You may find the process very different to applications made to US schools. 

  • Federal Direct Loans are low-interest loans to help undergraduate and graduate students pay for their education.

    Direct Loans are provided by the US government and are available to US citizens who have firmly accepted an unconditional offer to study at Oxford Brookes.

    The Brookes Financial Aid team administers Direct Loans to eligible students from the US studying at Oxford Brookes and has been approved by the US Department of Education for the origination and disbursal Federal Direct Loans.

    Loan eligibility

    • Enrolment status - You must be enrolled and continue to be enrolled at least half time at Oxford Brookes in order to remain eligible for student loans.
    • Satisfactory Academic Progress (SAP) - Each loan disbursement is subject to you maintaining satisfactory academic progress, as determined by the University and in line with the current University policy.
    • Place of study - Students must undertake their study or research within the UK.

    Course eligibility

    • We (Oxford Brookes University) are not authorised to offer Federal Loan funds to students undertaking any programme that has a compulsory online element or distance learning element. Such programmes are ineligible for any US Federal Loan funds. Ref: US Higher Education Reconciliation Act (HERA), July 1, 2006. Also, Nursing courses are specifically excluded.
    • We are not authorised to offer federal loan funds to students on Foundation, Foundation Degree, Certificate, Diploma, or pre-Masters courses. 
    • Students expecting to take a year-long work placement or period of study abroad as part of their course should contact us for further information about the loans available.
    • Students on a year-long work placement will not be eligible for a Federal Aid loan during that year and, for the purposes of Federal Aid loans, will not be considered enrolled at least half-time on campus by the University. 

    Students’ responsibility

    • If your enrolment status change, e.g. if you drop to below half-time or take temporary withdrawal, or, if you are considering exchange study or returning to the US, you must inform the Financial Aid team immediately, as this may affect your eligibility for US Federal Aid.
    The federal school code for Oxford Brookes University is: G20879

    You may borrow up to the cost of attendance which is set by the School.  The maximum loans you can receive cannot exceed the yearly cost of attendance less any financial aid you may be receiving which includes:

    • Sponsorship
    • Financial aid from Oxford Brookes University such as a scholarship and or an award
    • Other financial aid from the UK
    • Other financial aid from the USA

    The cost of attendance covers:

    • Tuition fees
    • Weekly living costs
        Room/Rent - £200.00 each week 
        Board/power and food - £90.00 each week 
        Books and copying - £30.00 each week 
        Public transport - £30.00 each week 
        Personal - £85.00 each week   
    • Single costs
        Cost of 2 return flights to the USA - £2,000.00
        PC/Printer - £860.00 
        Visa application/flights - £665.00
        UK immigration health surcharge - £150.00

    The US Government's process and audit requirements leave no room for discretion. Requirements for foreign schools are not the same as for schools in the USA, so we have provided all the instructions in simple steps which shows exactly what to do.

    Our Cost of Attendance spreadsheet has all the information you need built into it. It is set by the School but may be adjusted by the student to reflect your specific needs, whilst keeping within the parameters set by the School.  

    The spreadsheet will give warnings if too much loan is requested. Two types of loans are available to you: 

    • US Federal Direct Loans
    • US private loan 

    The Cost of Attendance spreadsheet includes the loan letter for us to sign, which notifies you of the loans you will receive and their disbursement dates and values.

    Students should only use the Cost of Attendance spreadsheet for the academic year in which they are registered.

    Documents to download

    Don’t forget our School Code: G20879

    Send your completed Cost of Attendance spreadsheet, with all the necessary documents attached, by email to us-federal-loan@brookes.ac.uk.

    Completed applications take approximately ten working days to process. During our peak application time (June/July), the process can take considerably longer and we would recommend applying at least five weeks prior to any deadline you have to meet.

    When we have completed the processing of your application on the US Ed Dept systems, we will send you the signed and stamped loan award letter which you saw in the Cost of Attendance spreadsheet.  

    Low risk nationals, including US nationals, are not required to send their financial evidence with their Tier 4 visa application. It is possible, however, that after receiving your application, the case worker will ask you to provide the original documents. Therefore we recommend that you do not apply for your visa until you have received confirmation that your loan has been approved and that your loan award letter has been posted to you.

    Disbursements of Federal Loans will be made in at least two equal instalments by direct bank transfer to Oxford Brookes University.

    The actual £Stg proceeds that we receive for each instalment may vary, as it is dependent upon the US$ / £Stg exchange rate on the date the funds are received in the UK.  

    Once the funds are received by Oxford Brookes, we will deduct any tuition fees and / or accommodation charges that may be due for the relevant semester. Any remaining balance of funds from each disbursement will then be paid directly to you, within 10 days. You will be contacted by the Student Finance Office for confirmation of payment arrangements, preferably onto your UK debit card or into your UK bank account. Please see the International Student Advice Team’s web page Money and Banks

    For September starters who submit a complete application by Friday 24th August 2018, the earliest anticipated dates for the disbursement of the balance of funds to you are:

    • Disbursement: 28 January 2019
    If you wish to make a change to your loan amount or cancel the loan during the year, please note that we require a minimum of two weeks’ notice prior to the next disbursement date to action the change with effect from that disbursement.

    It is important that you understand your rights and obligations as you prepare to repay your Federal Loans following graduation. Exit counselling is compulsory and is designed to inform you about loan repayment and money management, and will help you make the necessary arrangements before and during repayment. Please see the 'Exit Counselling' section on the Department of Education's Student Loans website for details.

    If your enrolment status changes, e.g. if you withdraw or drop below half-time enrolment, this may affect your eligibility for Federal Aid and you may need to replay your loan. You must ensure that you inform the Financial Aid team immediately if your enrolment status is going to change and refer to the Return of Title IV Federal Aid Funds (R2T4) policy.

    Eligible students should first visit the US Department of Veterans Affairs (VA) website and apply for benefits. For further information for students wishing to attend foreign schools, please visit the VA webpage Foreign School Information for Students

    Before you start your course, please contact us to check if your course is approved for VA benefits. If your course has not yet been approved, it could take several weeks for the course approval request to be processed. If the approval of your course is denied by the VA, you will be responsible for funding your studies.

    Please send us a copy of your Certificate of Eligibility. Once you have enrolled, we will complete and submit your enrolment information on VA Form 22-1999. Please note you will not receive payments until your enrolment information has been received and processed by the VA.

    The only private loan currently available to students at foreign schools is the Smart Loan from Sallie Mae

    Please review the Federal Aid Direct Lending programme before you progress with a private loan as this may be a more favourable option.

    To apply for Sallie Mae:

    Most lenders are registered to use NSLDS and, if you are taking out a Federal Aid loan whilst you’re studying at Oxford Brookes, we report your enrolment.

    If you need a paper deferment form completed, e.g. for a private lender or one who does not access NSLDS, please bring it to the Student Central counter once you have enrolled. We will usually complete it, and return it to you for forwarding as appropriate, within one week.

    Financial Aid
    Student Central
    Oxford Brookes University
    Headington Road
    Oxford OX3 0BP

    Tel: +44 (0)1865 483850
    Email: us-federal-loan@brookes.ac.uk