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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.
Download the 2019/20 application form
How to apply for a US Federal Loan (Direct Loan)
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 University's Financial Support 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.
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:
The cost of attendance covers:
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:
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.
Don't forget our School Code:
Send your completed Cost of Attendance spreadsheet, with all the necessary documents attached, by email to
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.
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
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 Support 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 Student Loans.
Please review the Federal Aid Direct Lending programme before you progress with a private loan as this may be a more favourable option.
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
counter once you have enrolled. We will usually complete it, and return it to you for forwarding as appropriate, within one week.
Oxford Brookes University
Oxford OX3 0BP
+44 (0)1865 483850Email: