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The Master’s University & Seminary participates in the Federal Direct Loan Student Program (FDSLP) which began with the 2010-2011 school year. In this program, the federal government acts as the lender referred to as “Direct Loans,” and the Stafford Loans are serviced by familiar agencies such as Sallie Mae, Great Lakes, PHEAA, and Nelnet.

Interest rates as low as 4.99%: In 2022, Federal Direct Stafford Loan rates are as low as 4.99%. These are not loans from TMUS, but from the US Federal Government.

Federal Direct Stafford Loans


Minimum half-time enrollment.

Required Documents
  1. FAFSA

  2. Entrance Counseling

  3. Master Promissory Note

Interest & Fees

Interest Rate: 4.99% & 1.057% Origination Fee

Grade Level Base SUB Stafford Dependent Unsub Stafford Independent Unsub Stafford
FR (0-29 units) $3,500 $2,000 $6,000
SO (30-59 units) $4,500 $2,000 $6,000
JR (60-89 units) $5,500 $2,000 $7,000
SR (90+ units) $5,500 $2,000 $7,000

Direct Parent PLUS Loans

Direct Parent PLUS Loan The Federal Direct Parent PLUS Loan is available to parents of dependent undergraduate students. The student must be enrolled in at least six units and the loan is limited to the cost of attendance.


Parents must be US Citizen, or eligible non-citizens with US Address. Student must be half time.

Required Steps
  1. Apply – Apps are processed through Parent logs in with FSA ID

  2. Complete Parent Master Promissory Note – This is the parent contract on the loan. This is found at

  3. Send TMU a PLUS Loan Amount Request form – 2022-2023 Plus Loan Request Form. You can upload this document to

Interest and Fees

Interest Rate: 7.54%

Origination Fee: 4.228%


Up to cost of attendance

Private Loans - View our page

Post Graduation

Exit Loan Counseling

Prior to graduating or leaving college, borrowers are required to complete an exit counseling session. This online exit counseling session has been created to ensure you understand your rights and responsibilities as a Stafford Loan borrower. The session will take about 30-40 min. to complete on

Loan Servicer

Your Loan servicer can be found by logging into the NSLDS website. Contact your servicer to review and schedule your repayment options.

Need Help? Contact Us.
Monday - Friday
8:30 – 5:00pm
Closed on School Holidays
Federal School Code: 001220
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