Eligibility
The type of loan available to you may depend on your financial need. In addition, if you are an undergraduate student, the type of loans you are eligible is determined by whether you are regarded as a dependent or independent student for the purpose of federal aid. An independent student is one of the following;
- Aged at least 24 years old
- Married
- A graduate or professional student
- A veteran
- A member of the armed forces
- An orphan
- A ward of the court
- Someone with legal dependents other than a spouse
- An emancipated minor
- Someone who is homeless or at risk of becoming homeless
Enrolment Eligibility
Loans can only be certified for students who are enrolled at least half-time at the University. You are required to email studentfees at warwick dot ac dot uk immediately if you withdraw or suspend from your course or drop below half-time.
Courses which are not eligible for Federal Aid Funding
Certain courses the University offer are not eligible for federal loan funds. Students on these courses may be eligible for a private loan. For example:
- foundation courses
- postgraduate diplomas (PGDip)
- postgraduate certificates (PGCert)
- courses which are taught in partnership with other academic institutions
- courses which are double, dual or joint degree programmes with other academic institutions
- courses which give you a professional degree outcome - such as our LLB, LLM, MBChB programmes
- Medical School courses or
- distance learning (global online) courses
are not eligible for Direct Loan funding.
We can only approve federal loans for students on eligible courses and if you have any query around course eligibility, please email studentfees at warwick dot ac dot uk for advice.
If you are planning to undertake a course that has a study abroad or placement (intercalated year) element, you are advised to email studentfees at warwick dot ac dot uk before you join the University as this is likely to affect your eligibility for federal loans. See more detailed note below.
Maximum Timeframe
An undergraduate student is entitled to receive aid for 150% of the allocated course time frame.
| Length of course | Eligibility for aid |
| 3 years | 4.5 years |
| 4 years | 6 years |
| 5 years | 7.5 years |
Postgraduate students are entitled to receive aid for the length of their programme as determined by the University.
Study Abroad, Placements and Intercalated Years
If you plan to:
- study abroad with a school that does not participate in the federal student loan program; or
- undertake a placement or intercalated year with an organisation
then this will make your whole course ineligible for federal loans.
Please check the list of eligible schools before making the decision. This list is updated quarterly, so check with your intended school to be sure it currently participates
If you intend to study abroad, you are advised to notify the US Loan section within the Student Finance Team - email studentfees@warwick.ac.uk - in the first instance before you join the University. Please note - the University may not be able to offer you a study placement at an eligible institution.