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University of South Alabama

307 N University Blvd
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Admissionswww.southalabama.edu/departments/admissions/
Apply Onlinewww.southalabama.edu/departments/admissions/applytousa.html
Financial Aidwww.southalabama.edu/departments/finaid/
Net Price Calculatorwww.southalabama.edu/departments/finaid/netpricecalculator/
Tuition Policies for Servicemembers and Veteranswww.southalabama.edu/departments/registrar/registration/residency.html
Disability Serviceswww.southalabama.edu/departments/sds/
Athletic Graduation Ratesusajaguars.com/documents/2022/8/11/2021-22_Federal_Graduation_Rate_Report.pdf
Mission Statement
  www.southalabama.edu/bulletin/current/general-info/mission.html
Special Learning Opportunities
Distance education – undergraduate courses offered, programs not offered
Distance education – graduate programs offered
ROTC (Army, Air Force)
Study abroad
Weekend/evening college
Teacher certification (below the postsecondary level)
Student Services
Academic/career counseling service
Employment services for students
Placement services for completers
Undergraduate students enrolled who are formally registered with office of disability services
5.00%
Carnegie Classification
Doctoral Universities: High Research Activity
Religious Affiliation
Not applicable
Federal Aid
Eligible students may receive Pell Grants and other federal aid (e.g. Direct Loans).
For-credit instruction programs offered
Occupational
Academic
Continuing professional
Recreational or avocational (leisure) programs
Noncredit education offered
Recreational/Avocational/Leisure/Personal Enrichment
Credit Accepted
Dual credit
Credit for life experiences
Advanced placement (AP) credits
Faculty and graduate assistants by primary function, Fall 2022Full timePart time
Total faculty843390
Instructional817389
Research and public service261
Total graduate assistants-131
Instructional-9
Research-122
Estimated Expenses for Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Estimated expenses for academic year2019-20202020-20212021-20222022-2023% change 2021-2022 to 2022-2023
Tuition and fees
In-state$8,396$8,396$8,756$9,1164.1%
Out-of-state$16,292$16,292$17,012$17,7324.2%
Books and supplies$1,300$1,200$1,300$1,3000.0%
Living arrangement
On Campus
Room and board$9,178$9,020$9,866$8,510-13.7%
Other$4,916$5,370$4,762$4,7790.4%
Off Campus
Room and board$9,178$9,020$9,866$10,0101.5%
Other$4,916$5,370$4,762$4,7790.4%
Off Campus with Family
Other$4,916$5,370$4,762$4,7790.4%
Total Expenses2019-20202020-20212021-20222022-2023% change 2021-2022 to 2022-2023
In-state
On Campus$23,790$23,986$24,684$23,705-4.0%
Off Campus$23,790$23,986$24,684$25,2052.1%
Off Campus with Family$14,612$14,966$14,818$15,1952.5%
Out-of-state
On Campus$31,686$31,882$32,940$32,321-1.9%
Off Campus$31,686$31,882$32,940$33,8212.7%
Off Campus with Family$22,508$22,862$23,074$23,8113.2%
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This calculator uses estimated student expenses data to estimate the total tuition and fees charged over the duration of a typical 4-year program at this school.
1. Select starting academic year
2. Select tuition inflation rate
 
 
% (0-100 allowed)
  • This school has a tuition prepayment plan which may reduce the total estimated tuition and fees over the duration of a program. For further details please contact the institution.
  • The output is only an estimate and not a guarantee of the actual amount the student may be charged; it is not binding on the Secretary, the institution of higher education, or the State; and it may change, subject to the availability of financial assistance, State appropriations, and other factors. The student must complete the Free Application for Federal Student Aid (FAFSA) to be eligible for, and receive, an actual financial aid award that includes federal grant, loan, or work-study assistance.
  • The estimated price does not include room and board, books and supplies, &c. (where applicable) and is based on previous years' tuition and fees data. Tuition and fees may vary by program. Please contact this institution for detailed price information.
  • Estimated yearly tuition and fees may not sum to totals because of rounding.
Estimate the total tuition and fee costs over the duration of a typical program.
 Multiyear Tuition Calculator
Average graduate student tuition and fees for academic year2022-2023
In-state tuition$8,424
In-state fees$200
Out-of-state tuition$16,848
Out-of-state fees$200
  • The Cost of Attendance varies by program.; Tuition and fee charges increased/decreased when compared to last year.;
Alternative Tuition Plans and Promise Program
Type of PlanOffered
Tuition guarantee plan
Prepaid tuition planX
Tuition payment planX
Other alternative tuition plan
  • Does not participate in Promise program
Undergraduate Student Financial Aid, 2021-2022
Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Type of AidNumber awarded aidPercent awarded aidTotal amount of aid awardedAverage amount of aid awarded
Any student financial aid11,68596%————
Grant or scholarship aid1,63994%$12,597,207$7,686
Federal grants1,02058%$5,630,460$5,520
Pell grants76444%$3,851,219$5,041
Other federal grants66638%$1,779,241$2,672
State/local government grant or scholarships986%$137,037$1,398
Institutional grants or scholarships1,44482%$6,829,710$4,730
Student loan aid98256%$10,975,603$11,177
Federal student loans95755%$10,118,943$10,574
Other student loans724%$856,660$11,898
  • 1 Includes students awarded Federal work study aid and aid from other sources not listed above.
All Undergraduate Students
Type of AidNumber awarded aidPercent awarded aidTotal amount of aid awardedAverage amount of aid awarded
Degree/certificate-seeking
Grant or scholarship aid17,52287%$61,146,108$8,129
Pell grants3,40339%$17,023,143$5,002
Federal student loans4,47452%$47,520,324$10,621
Non-degree/non-certificate-seeking
Grant or scholarship aid113366%$229,974$1,729
  • 1 Grant or scholarship aid includes aid awarded, from the federal government, state or local government, the institution, and other sources known by the institution.

  • For more information on Student Financial Assistance Programs or to apply for financial aid via the web, visit Federal Student Aid.
Average Net Price for Full-Time Beginning Students
Full-time beginning undergraduate students who paid the in-state or in-district tuition rate and were awarded grant or scholarship aid from federal, state or local governments, or the institution.
2019-20202020-20212021-2022
Average net price$14,822$14,984$15,664
Full-time beginning undergraduate students who paid the in-state or in-district tuition rate and were awarded Title IV aid by income.
Average net price by Income2019-20202020-20212021-2022
$0 – $30,000$12,906$11,305$12,411
$30,001 – $48,000$13,717$12,976$13,521
$48,001 – $75,000$17,568$17,403$18,330
$75,001 – $110,000$21,445$21,560$21,388
$110,001 and more$21,591$22,139$22,574
  • Average net price is generated by subtracting the average amount of federal, state/local government, or institutional grant or scholarship aid from the total cost of attendance. Total cost of attendance is the sum of published tuition and required fees (lower of in-district or in-state), books and supplies, and the weighted average for room and board and other expenses.
  • Beginning students are those who are entering postsecondary education for the first time.
  • Title IV aid to students includes grant aid, work study aid, and loan aid. These include: Federal Pell Grant, Federal Supplemental Educational Opportunity Grant (FSEOG), Academic Competitiveness Grant (ACG), National Science and Mathematics Access to Retain Talent Grant (National SMART Grant), Teacher Education Assistance for College and Higher Education (TEACH) Grant, Federal Work-Study, Federal Perkins Loan, Subsidized Direct or FFEL Stafford Loan, and Unsubsidized Direct or FFEL Stafford Loan. For those Title IV recipients, net price is reported by income category and includes students awarded federal aid even if none of that aid was provided in the form of grants. While Title IV status defines the cohort of student for which the data are reported, the definition of net price remains the same – total cost of attendance minus grant aid.
Net Price Calculator
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Fall 2022
Total enrollment13,438
Undergraduate enrollment8,480
Undergraduate transfer-in enrollment714
Graduate enrollment4,958
Undergraduate Attendance StatusUndergraduate Student Gender
Undergraduate Attendance Status:Full-time: 83%Part-time: 17%Undergraduate Student Gender:Male: 39%Female: 61%
Undergraduate Race/ethnicity
Undergraduate Race/ethnicity:American Indian or Alaska Native: 1%Asian: 4%Black or African American: 22%Hispanic/Latino: 5%Native Hawaiian or other Pacific Islander: 0%White: 60%Two or more races: 4%Race/ethnicity unknown: 2%U.S. Nonresident: 1%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age:24 and under: 87%25 and over: 13%Age unknown: 0%Undergraduate Student Residence:In-state: 73%Out-of-state: 25%Foreign countries: 2%Unknown: 0%
  • Age data are reported for Fall 2021.
  • Residence data are reported for first-time degree/certificate-seeking undergraduates.
Undergraduate Distance Education Status
Undergraduate Enrollment by Distance Education Status:Enrolled exclusively in distance education courses: 7%Enrolled in some, but not all, distance education courses: 46%Not enrolled in any distance education courses: 46%
Graduate Attendance Status
Graduate Attendance Status:Full-time: 81%Part-time: 19%
Graduate Distance Education Status
Graduate Enrollment by Distance Education Status:Enrolled exclusively in distance education courses: 67%Enrolled in some, but not all, distance education courses: 5%Not enrolled in any distance education courses: 28%
Undergraduate application fee (2022-2023): $35
Undergraduate Admissions Fall 2022
TotalMaleFemale
Number of applicants12,5504,5997,918
Percent admitted65%65%66%
Percent admitted who enrolled20%20%19%
Admissions ConsiderationsRequired to be consideredNot required, but consideredNot considered
Secondary school GPAX
Secondary school rankX
Secondary school recordX
Completion of college-preparatory programX
RecommendationsX
Formal demonstration of competenciesX
Work experienceX
Personal statement or essayX
Legacy statusNot applicableX
Admission test scoresRequired to be consideredNot required, but considered (Test Optional)Not considered (Test Blind)
SAT / ACTX
Other Test (Wonderlic,WISC-III,etc)X
English Proficiency TestX
Test Scores: Fall 2022 (enrolled first-time students)
Students submitting scoresNumberPercent
SAT1187%
ACT1,39586%
Test Scores25th Percentile*50th Percentile** (median)75th Percentile***
NOTES:
*   25% of students scored at or below
**  50% of students scored above and 50% scored below (i.e., midpoint of the test score distribution)
*** 25% of students scored above
SAT Evidence-Based Reading and Writing510550600
SAT Math493545600
ACT Composite202226
ACT English202226
ACT Math172025
  • Data apply to first-time degree/certificate-seeking students.
  • Institutions are asked to report test scores only if they are required for admission. If an institution reports less than 5 students for any of the test scores, percentiles are not reported.
First-to-Second Year Retention Rates

Retention rates measure the percentage of first-time students who are seeking bachelor's degrees who return to the institution to continue their studies the following fall.

Retention Rates for First-Time Students Pursuing Bachelor's Degrees
Student retention:Full-time students: 69%Part-time students: 29%
Percentage of Students Who Began Their Studies in Fall 2021 and Returned in Fall 2022
Overall Graduation Rate and Transfer-Out Rate

The overall graduation rate is also known as the "Student Right to Know" or IPEDS graduation rate. It tracks the progress of students who began their studies as full-time, first-time degree- or certificate-seeking students to see if they complete a degree or other award such as a certificate within 150% of "normal time" for completing the program in which they are enrolled.

Some institutions also report a transfer-out rate, which is the percentage of the full-time, first-time students who transferred to another institution without completing at the current institution.

Note that not all students at the institution are tracked for these rates. Students who have already attended another postsecondary institution, or who began their studies on a part-time basis, are not tracked for this rate. At this institution, 63 percent of entering students were counted as "full-time, first-time" in 2022.

Overall Graduation and Transfer-Out Rates for Students Who Began Their Studies in Fall 2016
Overall graduation rate:Overall graduation rate: 48%Transfer-out rate: 30%
Percentage of Full-time, First-Time Students Who Graduated or Transferred Out Within 150% of "Normal Time" to Completion for Their Program
Bachelor's Degree Graduation Rates

Bachelor’s degree graduation rates measure the percentage of entering students beginning their studies full-time and are planning to get a bachelor’s degree and who complete their degree program within a specified amount of time.

Graduation Rates for Students Pursuing Bachelor's Degrees
Bachelor's degree rate:[Began in Fall 2014]4-year: 26%6-year: 45%8-year: 47%[Began in Fall 2016]4-year: 32%6-year: 47%
Percentage of Full-time, First-time Students Who Graduated in the Specified Amount of Time and Began in Fall 2014 or Fall 2016
6-Year Graduation Rate by Gender for Students Pursuing Bachelor's Degrees
6-Year Graduation Rate by Gender for Students Pursuing Bachelor's Degrees:Male: 40%Female: 53%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2016 and Received a Degree or Award Within 150% of "Normal Time" to Completion for Their Program
6-Year Graduation Rate by Race/Ethnicity for Students Pursuing Bachelor's Degrees
6-Year Graduation Rate by Race/Ethnicity for Students Pursuing Bachelor's Degrees:American Indian or Alaska Native: 53%Asian: 58%Black or African American: 45%Hispanic/Latino: 37%White: 53%Two or more races: 48%Race/ethnicity unknown: 52%U.S. Nonresident: 14%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2016 and Received a Degree or Award Within 150% of "Normal Time" to Completion for Their Program
Completions (Number of awards conferred) 2021-2022
Completions are the number of awards conferred by program and award level.
sort byProgramUndergraduate
Certificate		Postgraduate
Certificate		BachelorMasterDoctor
  • Data shown are for first majors.
  • (-) Program is not offered at this award level.
  • d identifies programs and award levels that are offered as a distance education program. For program category totals, d is shown if one or more programs in the category are offered as a distance education program.
Biological and Biomedical Sciences
Biological and Biomedical Sciences, Other----4
Biology/Biological Sciences, General--922-
Biomedical Sciences, General--57--
Environmental Toxicology---1-
Category total--14934
Business, Management, Marketing, and Related Support Services
Accounting--4512d-
Business Administration and Management, General--504312
Business/Commerce, General--14--
Finance, General--37--
Hospitality Administration/Management, General--32--
International Business/Trade/Commerce--8--
Logistics, Materials, and Supply Chain Management--0--
Marketing/Marketing Management, General--47--
Category total--23355d12
Communication, Journalism, and Related Programs
Speech Communication and Rhetoric--516-
Category total--516-
Computer and Information Sciences and Support Services
Artificial Intelligence1----
Computer and Information Sciences, General---245
Computer Science--46--
Information Science/Studies--18--
Information Technology--31--
Category total1-95245
Education
Counselor Education/School Counseling and Guidance Services---21-
Early Childhood Education and Teaching--217d-
Education, Other-1512d4
Educational Leadership and Administration, General---217
Elementary Education and Teaching--6948d-
Physical Education Teaching and Coaching--8317-
School Librarian/School Library Media Specialist---9d-
Secondary Education and Teaching--3027-
Special Education and Teaching, General--511d-
Teaching English as a Second or Foreign Language/ESL Language Instructor10---
Category total115209163d11
Engineering
Chemical and Biomolecular Engineering----0
Chemical Engineering--213-
Civil Engineering, General--2910-
Computer Engineering, General--11--
Electrical and Electronics Engineering--255-
Mechanical Engineering--677-
Systems Engineering-0-12
Category total-0153262
English Language and Literature/Letters
English Language and Literature, General--187-
Category total--187-
Foreign Languages, Literatures, and Linguistics
Foreign Languages and Literatures, General--8--
Spanish Language and Literature-22---
Category total-228--
Health Professions and Related Programs
Audiology/Audiologist----10
Communication Disorders Sciences and Services, Other----0
Communication Sciences and Disorders, General--35--
Emergency Medical Technology/Technician (EMT Paramedic)60-12--
Health/Medical Preparatory Programs, Other--99--
Medical Informatics10-8--
Medical Radiologic Technology/Science - Radiation Therapist6----
Medicine----75
Nursing Administration-5d---
Nursing Education-22d---
Nursing Practice-118d---
Occupational Therapy/Therapist---36-
Physical Therapy/Therapist---040
Physician Assistant---39-
Radiologic Technology/Science - Radiographer--32--
Registered Nursing/Registered Nurse--341749d148d
Speech-Language Pathology/Pathologist---24-
Therapeutic Recreation/Recreational Therapy--0--
Category total76145d527848d273d
History
History, General--154-
Category total--154-
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Criminal Justice/Law Enforcement Administration--39--
Category total--39--
Mathematics and Statistics
Mathematics and Statistics--13--
Mathematics, General---4-
Category total--134-
Multi/Interdisciplinary Studies
Biological and Physical Sciences---53
Gerontology02---
International/Globalization Studies3-10--
Multi-/Interdisciplinary Studies, General--68--
Category total327853
Natural Resources and Conservation
Water, Wetlands, and Marine Resources Management---5-
Category total---5-
Parks, Recreation, Leisure, Fitness, and Kinesiology
Parks, Recreation, and Leisure Studies--41--
Sport and Fitness Administration/Management0--13d-
Category total0-4113d-
Philosophy and Religious Studies
Philosophy--7--
Category total--7--
Physical Sciences
Chemistry, General--7--
Geology/Earth Science, General--2--
Meteorology--14--
Physics, General--2--
Category total--25--
Psychology
Health/Medical Psychology----7
Psychology, General--844-
Category total--8447
Public Administration and Social Service Professions
Public Administration---20-
Social Work--30--
Category total--3020-
Social Sciences
Anthropology, General--3--
Geography2-9--
Political Science and Government, General--17--
Sociology, General--92-
Category total2-382-
Visual and Performing Arts
Art/Art Studies, General--36--
Drama and Dramatics/Theatre Arts, General--4--
Intermedia/Multimedia---4-
Music, General--154-
Category total--558-
Grand total831841,8681,197317
Athletics Participation
  • Sanction Body: NCAA Division I-FBS
Varsity Men's and Women's TeamsMenWomen
Baseball48–
Basketball1512
Football118–
Golf96
Soccer–26
Softball–27
Tennis1010
Track and Field, Indoor3639
Track and Field, Outdoor4845
Track and Field, X-Country1710
Volleyball–14
Institutional Accreditation
AccreditorStatusNext Review Date
Southern Association of Colleges and Schools, Commission on CollegesAccredited since (01/01/1968)12/12/2023
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
American Occupational Therapy Association, Accreditation Council for Occupational Therapy Education
Occupational Therapy (OTM) - Programs leading to a Master's DegreeAccredited since (12/01/1995)07/31/2032
American Physical Therapy Association, Commission on Accreditation in Physical Therapy Education
Physical Therapy (PT) - Professional programs for the physical therapistAccredited since (12/07/1977)06/30/2031
American Psychological Association, Commission on Accreditation
Clinical Psychology (CLPSY) - PhD Doctoral programsAccredited since (06/07/2013)06/07/2020
American Speech-Language-Hearing Association, Council on Academic Accreditation in Audiology and Speech-Language Pathology
Audiology (AUD) - Graduate degree programsAccredited (02/01/1984 - 02/01/2005)
Clinical doctoral program in AudiologyAccredited since (02/01/2003)02/01/2025
Speech-Language Pathology (SLP) - Graduate degree programsAccredited since (02/01/1984)02/01/2025
Commission on Collegiate Nursing Education
Nursing (CNDNP) - Nursing education programs at the doctorate degree levelsAccredited since ((!)09/20/2010)06/30/2031
Nursing (CNURED) - Nursing education programs at the baccalaureate degree levelsAccredited since (04/21/2001)06/30/2031
Nursing (CNURED) - Nursing education programs at the graduate degree levelsAccredited since (04/21/2001)06/30/2031
Joint Review Committee on Education in Radiologic Technology
Radiologic Technology (RAD) - Programs for radiographersAccredited since (09/01/1976)02/01/2025
Liaison Committee on Medical Education
Medicine (MED) - Programs leading to the M.D. degreeAccredited since (07/01/1972)12/31/2026
 No Longer Recognized  National Council for Accreditation of Teacher Education
Teacher Education (TED) - Baccalaureate and graduate programs for the preparation of teachers and other professional personnel for elementary and secondary schoolsAccredited since ((!)01/01/1973)TBD
  • (!) Estimated date
  • For more detailed information on accreditation for this institution, including all actions and justification for actions, visit OPE's Database of Accredited Postsecondary Institutions and Programs: ope.ed.gov/dapip/#/institution-profile/100636.
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape156
d. Fondling414
e. Incest000
f. Statutory Rape000
g. Robbery200
h. Aggravated assault325
i. Burglary1956
j. Motor vehicle theft300
k. Arson102
VAWA Offenses201920202021
a. Domestic violence10815
b. Dating violence300
c. Stalking16511
Arrests201920202021
a. Weapons: carrying, possessing, etc.044
b. Drug abuse violations973
c. Liquor law violations100
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations251520
c. Liquor law violations125563
On-Campus Student Housing Facilities
  • On-campus Student Housing Facilities statistics are a subset of On-Campus statistics.
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape155
d. Fondling201
e. Incest000
f. Statutory Rape000
g. Robbery100
h. Aggravated assault010
i. Burglary1831
j. Motor vehicle theft000
k. Arson100
VAWA Offenses201920202021
a. Domestic violence659
b. Dating violence100
c. Stalking436
Arrests201920202021
a. Weapons: carrying, possessing, etc.002
b. Drug abuse violations210
c. Liquor law violations100
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations24139
c. Liquor law violations105556
  • The crime data reported by the institutions have not been subjected to independent verification by the U.S. Department of Education. Therefore, the Department cannot vouch for the accuracy of the data reported here.
  • The crime statistics displayed only includes On-Campus data associated with the main campus as listed on College Navigator. For statistics associated with each campus location, off campus data, and for additional information covering Hate Crimes, and Fire statistics see https://ope.ed.gov/campussafety.
  • The On-Campus data do not include incidents that: (a) took place on public property, including thoroughfares, streets, sidewalks, and parking facilities, that is within the campus, or immediately adjacent to and accessible from the campus; (b) took place on any building or property owned or controlled by a student organization that is officially recognized by the institution; or (c) took place on any building or property owned or controlled by an institution that is used in direct support of, or in relation to, the institution's educational purposes, is frequently used by students, and is not within the same reasonably contiguous geographic area of the institution.
Services and Programs for Servicemembers and Veterans
Yellow Ribbon Program (officially known as Post-9/11 GI Bill, Yellow Ribbon Program)
Credit for military training
Dedicated point of contact for support services for veterans, military servicemembers, and their families
Recognized student veteran organization
Member of Department of Defense Voluntary Educational Partnership Memorandum of Understanding
Tuition policies specifically for Veterans and Servicemembers
Educational Benefits, 2021-2022
Number of students receiving benefits/assistance
Number of students receiving benefits/assistance:Post-9/11 GI Bill Benefits - undergraduates: 220Post-9/11 GI Bill Benefits - graduates: 108DoD Tuition Assistance Program - undergraduates: 15DoD Tuition Assistance Program - graduates: 5
Average amount of benefits/assistance disbursed through the institution
Average amount of benefits/assistance disbursed through the institution:Post-9/11 GI Bill Benefits - undergraduates: $8,795Post-9/11 GI Bill Benefits - graduates: $8,478DoD Tuition Assistance Program - undergraduates: $2,425DoD Tuition Assistance Program - graduates: $2,541
RETENTION RATES
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS PURSUING BACHELOR'S DEGREES
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS PURSUING BACHELOR'S DEGREESFull-time students: 67%Part-time students: 41%
Retention rate is the percentage of undergraduate students who began their studies in academic year 2013-14 and returned in academic year 2014-15
Three-year Official Cohort Default Rates
Fiscal Year202020192018
Default rate0.0%2.3%6.3%
Number in default092248
Number in repayment3,6273,8913,897
Aid Programs
  • Federal Direct Loan (Direct Loan)