US Federal Loans

Award Applicable for Academic Year Current
Level of Study Undergraduate
Nationality International (Non-EU)
Mode of Study Full Time, Part Time
When to apply Post enrolment, Prior to entry
Source External
Department/Subject specific All
College Members All Colleges
Value of Award Variable depending on individual circumstances
General Information

Student Funding Service staff are individually authorised, on behalf of The University of Lancaster, a foreign school recognised by the U.S. Department of Education, to access official systems and participate in the U.S. Government student loans system.

Lancaster University's Federal School Code is G09444

OPE-ID: 00944400

You MUST be enrolled and continue to be enrolled at least half time at Lancaster to remain eligible for US Federal loans. Students enrolled on a degree course but studying away from the University are NOT ELIGIBLE for Title IV aid. The following degree courses are taught either partially or entirely via correspondence and are not eligible for Title IV aid:-

English Language (Distance) : MA

Creative Writing (Distance Learning) : MA

Language Testing (Distance) : MA

Diplomacy and International Law (Distance Learning) : MA

Diplomacy and International Law (Distance Learning) : LLM

Diplomacy and International Relations (by Distance Learning) : MA

Quakerism in the Modern World (distance learning) : MA

Teaching English to Speakers of Other Languages (by Distance) : MA

If the course involves any time in USA, then the whole course is not eligible for government loans. The same applies if any part of the course is taught at a non-eligible school or if any part of the course involves distance learning, the whole course is not eligible for government loans.

Medicine and Surgery : MBChB is also a degree course which is not eligible for Title IV aid.

An alternative option might be a private loan. Currently there is only one Private Education Loan provider who provides loans to students at Foreign Schools known as Sallie Mae.

For further information on the type of US Federal Student Aid available including the application process and eligibilty criteria please see US Federal Student Aid for study at international schools

Loan Disbursement Condition

U.S. Federal regulations require that a student must be enrolled in an eligible educational programme and making satisfactory academic progress in order to be eligible to receive federal aid (Title IV) funds from the U.S. Department of Education. At the end of each term your department or supervisor will be contacted to to confirm this in-line with SAP Policy.

For student withdrawals and leave of absence exceeding 180 days - please see Lancaster University's Return of Title IV Funds Withdrawal Policy

The American Opportunity Tax Credit

The American Opportunity Tax Credit is a US federal income tax credit for qualified education expenses paid for eligible students for the first four years of higher education.  Please see Tax Benefits for Education for more information.  A 1098-T form is the information return that colleges and universities are required to issue for the purpose of determining a student's eligibility for the American Opportunity Credit and Lifetime Learning education tax credits.  Lancaster University, as are other universities are not US tax-payers (US corporation tax) or are US tax-deducters (US employee income tax) and are therefore unable to complete a 1098-T form however Lancaster does have an equivalent certificate which is has been accepted by the IRS since 2005.  Please contact the Registry at Lancaster to request the equivalent of 1098 T form to be completed if required.

Application Procedure

Application procedure

Complete a free application for federal student aid (FAFSA).  New students will be able to file an application from 1st October, (12 months prior to their course start date.  Please see Federal Student Aid for further information.

What to do next

Visit and:

  • Apply for your PLUS Loans Credit Check (if you are taking this loan type out)
  • Complete Master Promissory Notes for both the Subsidised/Unsubsidised Loan and PLUS Loan if applicable (e-MPNS)
  • Complete Entrance Counselling for both the Subsidised/Unsubsidised Loan and PLUS Loan if applicable

When you have completed the above you should complete a Cost of Attendance speadsheet below which determines the amount of loan(s) you are eligible for.  This is based on your estimated living, study and travel expenses, plus one year's tuition fees.  

Your loan application will not be processed and certified until all of the above has been completed.  

What happens next

The University will process applications for Federal or Private Loans from 1st July, prior to the start of the academic year.  Once we approve your loan, you will receive an email with an attached award letter confirming details of how and when this will be paid.  You will also be offered the option to have your loan award letter sent to your home address which you can use as acceptable proof of funding. The wording and format of the award letter has been agreed with the UK Border Agency.

Finally, prior to completing your studies

Application Deadline See above

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