Direct Loans are low-interest 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, though the entity you deal with, your loan servicer, can be a private business.

With Direct Loans, you

  • Borrow directly from the federal government and have a single contact—your loan servicer—for everything related to repayment, even if you receive Direct Loans at different schools.
  • Have online access to your Direct Loan account information via your servicer's website.
  • Can choose from several repayment plans that are designed to meet the needs of almost any borrower, and you can switch repayment plans if your needs change.

Details of your loan will be submitted to the National Student Loan Data System (NSLDS) and will be accessible by guaranty agencies, lenders, and schools determined to be authorized users of the data system. The National Student Loan Data System is the Department’s central database for student aid. NSLDS contains information about all of the student loans and other financial aid you have received through the Department’s federal student aid programs. You can access this information online using your Department of Education PIN.


US students attending an overseas university are able to apply for Direct and PLUS loans. To be eligible to take out US Direct Loans you need to:

  1. Be a US citizen or an eligible non-citizen.
  2. Have a valid US social security number.
  3. Be accepted on to a programme of full-time or at least part-time study with Newcastle University.
  4. If an existing student at Newcastle University, have been assessed to have made satisfactory academic progress to continue your studies.
  5. Have not borrowed over your federal loan limits or defaulted on repaying previous loans.
  6. If you are a male under the age of 26, have signed up for selective service or have been officially exempted from selective service.
  7. Not have any outstanding convictions for drug-related offences.

The following programmes are not currently eligible for federal loan funding and if you are intending to study these degrees, please fully consider how you will fund your studies without Direct Loans.

  • MBBS
  • Distance learning courses
  • Postgraduate certificate and diploma programmes

Newcastle University's federal school code is G08460 (this code may also appear at times as 00846000).

Information about the rights and responsibilities of students receiving Title IV assistance can be viewed here.

Study Abroad students

Students here on a Study Abroad programme who are registered at a US university are not eligible to apply for financial aid through Newcastle University. You should instead apply to your 'home' university.