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IPEDS ID: 148654
OPE ID: 00933300
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University of Illinois Springfield
One University Plaza, Springfield, Illinois 62703-5407
Información General:  (217) 206-6600
Página de Internet:  www.uis.edu/
Tipo:  4-años, Pública
Títulos Ofrecidos:  Licenciatura
Certificado de pos-licenciatura
Maestría
Certificado pos-maestría
Doctorado - research/scholarship
Ubicación del Campus:  Ciudad: Mediana
Dormitorios:  
Población Estudiantil:  4,198 (2,393 subgraduado)
Student-to-faculty ratio:  12 to 1
Oportunidades de Aprendizaje Especial
Distance education – undergraduate programs offered
Distance education – graduate programs offered
Estudio en el extranjero
Institución de fin de semana/noche
Certificación de Profesor (below the postsecondary level)
Servicios Estudiantiles
Servicio de consejería académica/profesional
Servicios de empleo para estudiantes
Servicios de colocación para los que completen
Cuido diurno para hijos de estudiantes en el campus
Undergraduate students enrolled who are formally registered with office of disability services, Fall 2022
9.00%
Clasificación Carnegie
Master's Colleges & Universities: Larger Programs
Afiliación Religiosa
No Aplica
Ayuda Federal
Estudiantes elegibles pueden recibir Becas Pell y otra ayuda federal (por ejemplo, Préstamos Directos "Direct Loans").
For-credit instruction programs offered
Academic
Developmental
Noncredit education offered
Workforce Education
Contract Training/Customized Training
Continuing Professional Education
Crédito Aceptado
Crédito por Experiencias
Créditos de Colocación Avanzada
Faculty and graduate assistants by primary function, Fall 2022Full timePart time
Total faculty199114
Instructional199114
Research and public service00
Total graduate assistants-8
Instructional-5
Research-3
Estimated Expenses for Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Gastos Detallados2020-20212021-20222022-20232023-2024% change 2022-2023 to 2023-2024
Matrícula y cuotas
Residentes del Estado$11,911$11,911$12,077$12,2521.4%
No Residentes del Estado$21,526$21,526$21,842$22,0170.8%
Libros y materiales$1,200$1,200$1,224$1,2602.9%
Planes de alojamiento
En el Campus
Food and Housing$9,760$10,410$10,410$12,08816.1%
Other expenses$2,700$2,700$2,754$2,8403.1%
Fuera del Campus con Familia
Other expenses$3,300$3,300$3,366$3,4903.7%
Gastos totales2020-20212021-20222022-20232023-2024% change 2022-2023 to 2023-2024
Residentes del Estado
En el Campus$25,571$26,221$26,465$28,4407.5%
Fuera del Campus con Familia$16,411$16,411$16,667$17,0022.0%
No Residentes del Estado
En el Campus$35,186$35,836$36,230$38,2055.5%
Fuera del Campus con Familia$26,026$26,026$26,432$26,7671.3%
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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 guaranteed tuition 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 Food and Housing, books and supplies, etc. (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 year2023-2024
In-state tuition$8,910
In-state fees$3,100
Out-of-state tuition$16,146
Out-of-state fees$3,100
Alternative Tuition Plans and Promise Program
Type of PlanOffered
Tuition guarantee planX
Prepaid tuition plan
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 aid125498%————
Grant or scholarship aid25297%$3,572,143$14,175
Federal grants15258%$724,451$4,766
Pell grants9035%$464,426$5,160
Other federal grants15258%$260,025$1,711
State/local government grant or scholarships11845%$590,005$5,000
Institutional grants or scholarships24594%$2,257,687$9,215
Student loan aid11042%$663,806$6,035
Federal student loans10741%$551,550$5,155
Other student loans114%$112,256$10,205
  • 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 aid11,87777%$20,220,466$10,773
Pell grants89937%$3,982,059$4,429
Federal student loans1,01241%$6,776,924$6,697
Non-degree/non-certificate-seeking
Grant or scholarship aid13353%$200,571$6,078
  • 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.

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$11,628$11,965$11,733
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$10,831$8,877$8,593
$30,001 – $48,000$8,482$8,109$7,369
$48,001 – $75,000$11,492$11,014$12,246
$75,001 – $110,000$14,985$17,687$14,937
$110,001 and more$18,762$18,299$17,077
  • 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 Food and Housing 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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Otoño 2022
Matrícula total4,198
Matrícula de subgraduados2,393
Undergraduate transfer-in enrollment436
Graduate enrollment1,805
Estatus de Asistencia SubgraduadaGénero del Subgraduado
Estatus de Asistencia Subgraduada:
Tiempo completo: 70%
Tiempo parcial: 30%Género del Subgraduado:
Hombre: 46%
Mujer: 54%
Raza/origen del Subgraduado
Raza/origen del Subgraduado:
Nativo Americano/Nativo de Alaska: 0%
Asiático: 4%
Afro-Americano no Hispano: 13%
Hispano: 11%
Isleño del Pacífico: 0%
Caucásico no Hispano: 63%
Two or more races: 4%
Raza/origen desconocido: 2%
U.S. Nonresident: 4%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age:
24 and under: 66%
25 and over: 34%
Age unknown: 0%Undergraduate Student Residence:
In-state: 84%
Out-of-state: 9%
Foreign countries: 1%
Unknown: 6%
  • Age data are reported for Otoño 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: 42%
Enrolled in some, but not all, distance education courses: 40%
Not enrolled in any distance education courses: 18%
Graduate Attendance Status
Graduate Attendance Status:
Tiempo completo: 45%
Tiempo parcial: 55%
Graduate Distance Education Status
Graduate Enrollment by Distance Education Status:
Enrolled exclusively in distance education courses: 53%
Enrolled in some, but not all, distance education courses: 33%
Not enrolled in any distance education courses: 15%
Cuota de aplicación subgraduada (2023-2024): $50
Admisión de Subgraduados Otoño 2022
TotalHombreMujer
Número de aplicantes3,6341,3612,273
Porcentaje admitido82%80%83%
Porcentaje admitido matriculado8%9%8%
Consideraciones para AdmisiónRequired to be consideredNot required, but consideredNot considered
GPA (calificación media) de la escuela secundariaX
Rango de la escuela secundariaX
Historial de la escuela secundariaX
Finalización de programa de preparación universitariaX
RecomendacionesX
Demostración formal de competenciasX
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
Otro Examen (Wonderlic,WISC-III,etc.)X
English Proficiency TestX
Puntuaciones: Otoño 2022 (estudiantes primerizos matriculados)
Puntuaciones sometidas de Estudiantes NúmeroPorcentaje
SAT11848%
ACT4518%
Resultados de Examen25to Porcentaje*50to Porcentaje** (median)75to Porcentaje***
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 Writing498560620
SAT Math490540600
ACT Composite202427
ACT English202327
ACT Math182127
  • 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:
Estudiantes a tiempo completo: 76%
Estudiantes a tiempo parcial: 50%
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, 35 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
Índice total de graduación:
Índice total de graduación: 53%
(*) Índice de transferencias:
Percentage of Full-time, First-Time Students Who Graduated or Transferred Out Within 150% of "Normal Time" to Completion for Their Program
  • (*) Not all institutions report transfer-out rates.
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
Índice de licenciaturas:
[Began in Fall 2014]
4-años: 41%
6-años: 55%
8-años: 56%
[Began in Fall 2016]
4-años: 43%
6-años: 54%
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:
Hombre: 47%
Mujer: 59%
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:
Asiático: 60%
Afro-Americano no Hispano: 43%
Hispano: 41%
Caucásico no Hispano: 59%
Two or more races: 80%
Raza/origen desconocido: 50%
U.S. Nonresident: 69%
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
  • Alternative measures of student success are reported by degree-granting institutions to describe the outcomes of degree/certificate-seeking undergraduate students who are not only first-time, full-time students, but also part-time attending and non-first-time (transfer-in) students. These measures are also reported for students receiving Pell grants and those students that do not receive Pell grants. These measures provide the 8-year award-completion rates by award level (certificates, associate's and bachelor degrees) after entering an institution. For students who did not earn any undergraduate award after 8-years of entry, the enrollment statuses are reported as either still enrolled at the institution, or subsequently transferred out of the institution. Unlike the Graduation Rates data, all reporting institutions must report on their transfer outs regardless if the institution has a mission that provides substantial transfer preparation.
FULL-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2014-15
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 56%
Enrolled at same institution: 1%
Enrolled at different institution: 29%
[Pell]
Received a Bachelor's degree: 44%
Enrolled at same institution: 1%
Enrolled at different institution: 36%
[Non-Pell]
Received a Bachelor's degree: 66%
Enrolled at same institution: 1%
Enrolled at different institution: 24%
PART-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2014-15
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 20%
Enrolled at same institution: 0%
Enrolled at different institution: 20%
[Pell]
Received a Bachelor's degree: 0%
Enrolled at same institution: 0%
Enrolled at different institution: 50%
[Non-Pell]
Received a Bachelor's degree: 33%
Enrolled at same institution: 0%
Enrolled at different institution: 0%
FULL-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2014-15
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 67%
Enrolled at same institution: 0%
Enrolled at different institution: 19%
[Pell]
Received a Bachelor's degree: 63%
Enrolled at same institution: 0%
Enrolled at different institution: 23%
[Non-Pell]
Received a Bachelor's degree: 70%
Enrolled at same institution: 0%
Enrolled at different institution: 15%
PART-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2014-15
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 47%
Enrolled at same institution: 2%
Enrolled at different institution: 25%
[Pell]
Received a Bachelor's degree: 59%
Enrolled at same institution: 0%
Enrolled at different institution: 21%
[Non-Pell]
Received a Bachelor's degree: 42%
Enrolled at same institution: 2%
Enrolled at different institution: 26%
Finalización (Number of awards conferred) 2022-2023
Completions are the number of awards conferred by program and award level.
clasificar porProgramaPostgraduate
Certificate
LicenciaturaMaestríaDoctorado
  • Los datos mostrados son para primeras especializaciones.
  • (-) 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
Biochemistry-6--
Biology/Biological Sciences, General-222-
Total de categorías-282-
Business, Management, Marketing, and Related Support Services
Accounting-2214-
Business Administration and Management, General-10583-
Business Administration, Management and Operations, Other-0--
Human Resources Management/Personnel Administration, General--6-
Total de categorías-127103-
Communication, Journalism, and Related Programs
Communication, General-397-
Journalism--8-
Total de categorías-3915-
Computer and Information Sciences and Support Services
Computer and Information Systems Security/Auditing/Information Assurance-250-
Computer Science-87115-
Computer Systems Analysis/Analyst-1440-
Total de categorías-126155-
Education
Education, General-0--
Educational Administration and Supervision, Other2d---
Educational Leadership and Administration, General3-6-
Educational, Instructional, and Curriculum Supervision0d-14d-
Elementary Education and Teaching-16--
Junior High/Intermediate/Middle School Education and Teaching-12--
Secondary Education and Teaching-0--
Total de categorías5d2820d-
English Language and Literature/Letters
English Language and Literature, General0241-
Total de categorías0241-
Health Professions and Related Programs
Athletic Training/Trainer--0-
Clinical Laboratory Science/Medical Technology/Technologist-5--
Environmental Health--7d-
Medical Informatics--1d-
Public Health, General14-10-
Substance Abuse/Addiction Counseling1---
Total de categorías15518d-
History
History, General-207-
Total de categorías-207-
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Criminal Justice/Safety Studies-24--
Total de categorías-24--
Legal Professions and Studies
Legal Studies-1618-
Total de categorías-1618-
Liberal Arts and Sciences, General Studies and Humanities
Liberal Arts and Sciences, General Studies and Humanities, Other--2-
Liberal Arts and Sciences/Liberal Studies-12--
Total de categorías-122-
Mathematics and Statistics
Financial Mathematics--3d-
Mathematics, General-15--
Total de categorías-153d-
Multi/Interdisciplinary Studies
International/Globalization Studies-1--
Mathematics and Computer Science--11-
Total de categorías-111-
Natural Resources and Conservation
Environmental Science--26-
Environmental Studies-120-
Total de categorías-1226-
Parks, Recreation, Leisure, Fitness, and Kinesiology
Exercise Science and Kinesiology-19--
Total de categorías-19--
Philosophy and Religious Studies
Philosophy-10--
Total de categorías-10--
Physical Sciences
Chemistry, General-5--
Total de categorías-5--
Psychology
Counseling Psychology--29-
Psychology, General-88--
Total de categorías-8829-
Public Administration and Social Service Professions
Human Services, General--7-
Public Administration75467
Public Administration and Social Service Professions, Other5---
Public Policy Analysis, General-00-
Social Work-21--
Total de categorías1226537
Social Sciences
Economics, General-1--
Political Science and Government, General-2633-
Sociology and Anthropology-3--
Total de categorías-3033-
Visual and Performing Arts
Drama and Dramatics/Theatre Arts, General-1--
Fine/Studio Arts, General-6--
Total de categorías-7--
Gran total326624967
Services and Programs for Servicemembers and Veterans
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: 56
Post-9/11 GI Bill Benefits - graduates: 36
DoD Tuition Assistance Program - undergraduates: 14
DoD Tuition Assistance Program - graduates: 8
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: $6,123
Post-9/11 GI Bill Benefits - graduates: $3,924
DoD Tuition Assistance Program - undergraduates: $1,853
DoD Tuition Assistance Program - graduates: $3,503
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 DEGREES
Full-time students: 60%
Part-time students: 75%
Retention rate is the percentage of undergraduate students who began their studies in academic year 2013-14 and returned in academic year 2014-15
Athletics Participation
  • Sanction Body: NCAA Division II without football
Varsity Men's and Women's TeamsHombresMujeres
All Track Combined6841
Baseball46
Basketball1513
Golf67
Soccer3827
Softball20
Tennis107
Volleyball15
Acreditación Institucional
AccreditorStatusNext Review Date
Higher Learning CommissionAccredited since ((!)01/01/1975)08/31/2028
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
Council on Education for Public Health
Public Health Programs (PHPG) - Graduate level program offered outside a school of public healthAccredited since (09/07/2021)07/01/2028
  • (!) Fecha estimada
  • 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/114141.
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape212
d. Fondling001
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault231
i. Burglary310
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence662
b. Dating violence000
c. Stalking695
Arrests201920202021
a. Weapons: carrying, possessing, etc.020
b. Drug abuse violations200
c. Liquor law violations611
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations502320
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. Rape112
d. Fondling001
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault121
i. Burglary210
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence462
b. Dating violence000
c. Stalking373
Arrests201920202021
a. Weapons: carrying, possessing, etc.010
b. Drug abuse violations100
c. Liquor law violations100
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations502320
  • 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.
Three-year Official Cohort Default Rates
Fiscal Year202020192018
Default rate0.0%1.0%3.9%
Number in default01042
Number in repayment9069931,055
Aid Programs
  • Federal Direct Loan (Direct Loan)