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IPEDS ID: 180984
OPE ID: 00254100
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Concordia University-Nebraska
800 N Columbia Ave, Seward, Nebraska 68434-1556
General information:  (800) 535-5494
Website:  www.cune.edu/
Type:  4-year, Private not-for-profit
Awards offered:  Associate's degree
Bachelor's degree
Postbaccalaureate certificate
Master's degree
Campus setting:  Town: Distant
Campus housing:  Yes
Student population:  3,423 (2,934 undergraduate)
Student-to-faculty ratio:  14 to 1
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open-close General Information
Admissionswww.cune.edu/admissions
Apply Onlinewww.cune.edu/admissions/apply
Financial Aidwww.cune.edu/costs-and-aid/undergraduate
Net Price Calculatorwww.cune.edu/costs-and-aid/undergraduate/net-price-calculator
Tuition Policies for Servicemembers and Veteranswww.cune.edu/costs-and-aid/undergraduate/grants/veterans-and-military-students
Disability Serviceswww.cune.edu/today/students/disability-support-services
Athletic Graduation Rateswww.cune.edu/concordia-difference/about-concordia/disclosure-information
Mission Statement
  www.cune.edu/concordia-difference/about-concordia
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, Fall 2023
6.96%
High school students enrolled in college courses for credit, 2023-2024
1,868
Carnegie Classification
Master's Colleges & Universities: Larger Programs
Religious Affiliation
Lutheran Church - Missouri Synod
Federal Aid
Eligible students may receive Pell Grants and other federal aid (e.g. Direct Loans).
For-credit instruction programs offered
Academic
Noncredit education offered
Institution does not offer noncredit education
Credit Accepted
Credit for life experiences
Advanced placement (AP) credits
Faculty and graduate assistants by primary function, Fall 2023Full timePart time
Total faculty66192
Instructional66192
Research and public service00
Total graduate assistants-0
Instructional-0
Research-0
open-close Tuition, Fees, and Estimated Student Expenses
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 year2021-20222022-20232023-20242024-2025% change 2023-2024 to 2024-2025
Tuition and fees$36,310$37,720$39,330$40,6403.3%
Books and supplies$1,000$1,000$1,070$1,0700.0%
Living arrangement
On Campus
Food and Housing$9,600$10,050$10,350$10,8504.8%
Other expenses$2,495$2,580$2,700$2,8656.1%
Off Campus
Food and Housing$9,600$10,050$10,350$10,8504.8%
Other expenses$2,495$2,580$2,700$2,8656.1%
Off Campus with Family
Food and Housing---$7,875 -
Other expenses$1,765$1,840$1,960$2,0755.9%
Total Expenses2021-20222022-20232023-20242024-2025% change 2023-2024 to 2024-2025
On Campus$49,405$51,350$53,450$55,4253.7%
Off Campus$49,405$51,350$53,450$55,4253.7%
Off Campus with Family$39,075$40,560$42,360$43,7853.4%
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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)
  • 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 year2024-2025
Tuition$8,100
Fees$0
Alternative Tuition Plans and Promise Program
Type of PlanOffered
Tuition guarantee plan
Prepaid tuition plan
Tuition payment planX
Other alternative tuition plan
  • Does not participate in Promise program
open-close Financial Aid
Undergraduate Student Financial Aid, 2022-2023
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 aid1335100%————
Grant or scholarship aid335100%$9,075,135$27,090
Federal grants8826%$475,046$5,398
Pell grants8826%$375,938$4,272
Other federal grants6519%$99,108$1,525
State/local government grant or scholarships5416%$115,918$2,147
Institutional grants or scholarships335100%$8,484,171$25,326
Student loan aid22467%$1,636,924$7,308
Federal student loans22266%$1,126,407$5,074
Other student loans4313%$510,517$11,872
  • 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 aid11,12098%$32,299,180$28,839
Pell grants30326%$1,317,152$4,347
Federal student loans71062%$6,134,586$8,640
Non-degree/non-certificate-seeking
Grant or scholarship aid1(*)0%(*)(*)
  • 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 amounts are withheld to preserve the confidentiality of individuals.

  • For more information on Student Financial Assistance Programs or to apply for financial aid via the web, visit Federal Student Aid.
open-close Net Price
Average Net Price for Full-Time Beginning Students
Full-time beginning undergraduate students who were awarded grant or scholarship aid from federal, state or local governments, or the institution.
2020-20212021-20222022-2023
Average net price$22,544$23,067$24,099
Full-time beginning undergraduate students who were awarded Title IV aid by income.
Average net price by Income2020-20212021-20222022-2023
$0 – $30,000$17,485$16,942$19,320
$30,001 – $48,000$18,166$17,033$20,192
$48,001 – $75,000$20,294$20,298$21,880
$75,001 – $110,000$23,191$24,324$24,197
$110,001 and more$24,437$26,230$26,363
  • 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, 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 Grants, Federal Supplemental Educational Opportunity Grants (FSEOG), Teacher Education Assistance for College and Higher Education (TEACH) Grants, Federal Work-Study, Subsidized Direct Loans, and Unsubsidized Direct Loans. 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
An institution’s net price calculator allows current and prospective students, families, and other consumers to estimate the net price of attending that institution for a particular student.
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open-close Enrollment
Fall 2023
Total enrollment3,423
Undergraduate enrollment2,934
Undergraduate transfer-in enrollment51
Graduate enrollment489
Undergraduate Attendance StatusUndergraduate Student Gender
Undergraduate Attendance Status: Full-time: 41% Part-time: 59%Undergraduate Student Gender: Male: 48% Female: 52%
Undergraduate Race/ethnicity
Undergraduate Race/ethnicity: American Indian or Alaska Native: 0% Asian: 3% Black or African American: 2% Hispanic/Latino: 7% Native Hawaiian or other Pacific Islander: 0% White: 61% Two or more races: 4% Race/ethnicity unknown: 19% U.S. Nonresident: 4%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age: 24 and under: 100% 25 and over: 0% Age unknown: 0%Undergraduate Student Residence: In-state: 57% Out-of-state: 42% Foreign countries: 1% Unknown: 0%
  • Residence data are reported for first-time degree/certificate-seeking undergraduates, Fall 2022.
Undergraduate Distance Education Status
Undergraduate Enrollment by Distance Education Status: Enrolled exclusively in distance education courses: 0% Enrolled in some, but not all, distance education courses: 13% Not enrolled in any distance education courses: 87%
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: 100% Enrolled in some, but not all, distance education courses: 0% Not enrolled in any distance education courses: 0%
open-close Admissions
Undergraduate Admissions Fall 2023
TotalMaleFemale
Number of applicants1,587899688
Percent admitted90%87%94%
Percent admitted who enrolled27%25%29%
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 2023 (enrolled first-time students)
Students submitting scoresNumberPercent
SAT51%
ACT186%
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 Writing530580625
SAT Math510560610
ACT Composite192326
ACT English182228
ACT Math182326
  • 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.
  • Concordia University, Nebraska employs a "test blind" admission policy for first-year applicants with a 3.0 or higher cumulative high school GPA. Test scores are not required or utilized in the admission decision for students with over a 3.0 cumulative high school GPA. Test scores are required and utilized in the admission decision for first-year applicants who have a cumulative high school GPA of less than 3.0.
open-close Retention and Graduation Rates
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: 78%
Percentage of Students Who Began Their Studies in Fall 2022 and Returned in Fall 2023
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, 27 percent of entering students were counted as "full-time, first-time" in 2023.

Overall Graduation and Transfer-Out Rates for Students Who Began Their Studies in Fall 2017
Overall graduation rate: Overall graduation rate: 64% (*) Transfer-out rate:
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
Bachelor's degree rate: [Began in Fall 2015] 4-year: 47% 6-year: 58% 8-year: 59% [Began in Fall 2017] 4-year: 47% 6-year: 64%
Percentage of Full-time, First-time Students Who Graduated in the Specified Amount of Time and Began in Fall 2015 or Fall 2017
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: 57% Female: 72%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2017 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: 0% Asian: 33% Black or African American: 8% Hispanic/Latino: 55% White: 71% Two or more races: 56% Race/ethnicity unknown: 18% U.S. Nonresident: 33%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2017 and Received a Degree or Award Within 150% of "Normal Time" to Completion for Their Program
open-close Outcome Measures
  • 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 2015-16
Award and enrollment rate: [All students] Received a Bachelor's degree: 61% Enrolled at same institution: 0% Enrolled at different institution: 33% [Pell] Received a Bachelor's degree: 54% Enrolled at same institution: 0% Enrolled at different institution: 37% [Non-Pell] Received a Bachelor's degree: 64% Enrolled at same institution: 0% Enrolled at different institution: 31%
FULL-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate: [All students] Received a Bachelor's degree: 72% Enrolled at same institution: 0% Enrolled at different institution: 19% [Pell] Received a Bachelor's degree: 84% Enrolled at same institution: 0% Enrolled at different institution: 9% [Non-Pell] Received a Bachelor's degree: 64% Enrolled at same institution: 0% Enrolled at different institution: 26%
PART-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate: [All students] Received a Bachelor's degree: 67% Enrolled at same institution: 0% Enrolled at different institution: 0% [Pell] Received a Bachelor's degree: 100% Enrolled at same institution: 0% Enrolled at different institution: 0% [Non-Pell] Received a Bachelor's degree: 50% Enrolled at same institution: 0% Enrolled at different institution: 0%
open-close Programs/Majors
Completions (Number of awards conferred) 2023-2024
Completions are the number of awards conferred by program and award level.
sort byProgramPostgraduate
Certificate		AssociateBachelorMaster
  • 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.
Agricultural/Animal/Plant/Veterinary Science and Related Fields
Agriculture, General--3-
Category total--3-
Biological and Biomedical Sciences
Biochemistry--1-
Biology/Biological Sciences, General--33-
Category total--34-
Business, Management, Marketing, and Related Support Services
Accounting--4-
Business/Commerce, General0d-3621d
Business/Corporate Communications, General--1-
Management Information Systems, General--0-
Marketing/Marketing Management, General--4-
Category total0d-4521d
Communication, Journalism, and Related Programs
Communication, General--2-
Organizational Communication, General--0-
Speech Communication and Rhetoric--1-
Category total--3-
Computer and Information Sciences and Support Services
Computer Science--7-
Category total--7-
Education
Counselor Education/School Counseling and Guidance Services---13d
Curriculum and Instruction8--25d
Early Childhood Education and Teaching0d074d
Education, General--0-
Education/Teaching of Individuals in Early Childhood Special Education Programs1d--2d
Education/Teaching of Individuals in Elementary Special Education Programs0d-6-
Education/Teaching of Individuals in Secondary Special Education Programs--0-
Educational Leadership and Administration, General4d--7d
Educational/Instructional Technology0d---
Elementary Education and Teaching0d-6-
Junior High/Intermediate/Middle School Education and Teaching0d-7-
Reading Teacher Education0d--12d
Secondary Education and Teaching0d-17-
Special Education and Teaching, General1d-33d
Teacher Education, Multiple Levels--8-
Teaching English as a Second or Foreign Language/ESL Language Instructor4d-114d
Technical Teacher Education---0d
Category total18d05580d
English Language and Literature/Letters
English Language and Literature, General--5-
Category total--5-
Family and Consumer Sciences/Human Sciences
Family Systems---0d
Category total---0d
Foreign Languages, Literatures, and Linguistics
Spanish Language and Literature--0-
Category total--0-
Health Professions and Related Programs
Art Therapy/Therapist--0-
Health/Health Care Administration/Management---9d
Public Health Education and Promotion--2-
Public Health, General---8d
Category total--217d
History
History, General--6-
Category total--6-
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Criminal Justice/Safety Studies--7-
Category total--7-
Liberal Arts and Sciences, General Studies and Humanities
Humanities/Humanistic Studies--0-
Category total--0-
Mathematics and Statistics
Mathematics, General--3-
Category total--3-
Multi/Interdisciplinary Studies
Behavioral Sciences--3-
International/Globalization Studies--1-
Natural Sciences--1-
Category total--5-
Natural Resources and Conservation
Environmental Science--5-
Environmental Studies--0-
Category total--5-
Parks, Recreation, Leisure, Fitness, and Kinesiology
Exercise Science and Kinesiology--2-
Sport and Fitness Administration/Management---1d
Sports, Kinesiology, and Physical Education/Fitness, General--3-
Category total--51d
Physical Sciences
Chemistry, General--3-
Physical Sciences, General--0-
Physics, General--1-
Category total--4-
Psychology
Psychology, General--19-
Category total--19-
Public Administration and Social Service Professions
Human Services, General---0d
Category total---0d
Social Sciences
Geography--2-
Category total--2-
Theology and Religious Vocations
Religious Education10d-50d
Religious/Sacred Music0d-4-
Theology/Theological Studies--6-
Category total10d-150d
Visual and Performing Arts
Art/Art Studies, General--3-
Arts, Entertainment, and Media Management, General--1-
Drama and Dramatics/Theatre Arts, General--0-
Fine/Studio Arts, General--1-
Graphic Design--2-
Music, General--3-
Category total--10-
Grand total280235119
open-close Servicemembers and Veterans
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
Member of Department of Defense Voluntary Educational Partnership Memorandum of Understanding
Tuition policies specifically for Veterans and Servicemembers
Educational Benefits, 2022-2023
Number of students receiving benefits/assistance
Number of students receiving benefits/assistance: Post-9/11 GI Bill Benefits - undergraduates: 13 Post-9/11 GI Bill Benefits - graduates: 2 DoD Tuition Assistance Program - undergraduates: 2 DoD Tuition Assistance Program - graduates: 1
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: $11,714
  • (*) One or more average amounts of benefits/assistance are withheld to preserve the privacy of individuals.
open-close Varsity Athletic Teams
Athletics Participation
  • Sanction Body: NAIA Division II
Varsity Men's and Women's TeamsMenWomen
All Track Combined157205
Baseball65–
Basketball2927
Football138–
Golf147
Soccer3434
Softball–31
Tennis89
Volleyball–32
Wrestling34–
Other Sports–17
Varsity Coed TeamsMenWomen
Other Sports2541
open-close Accreditation
Institutional Accreditation
AccreditorStatusNext Review Date
Higher Learning CommissionAccredited since ((!)01/01/1953)08/31/2028
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
Commission on Collegiate Nursing Education
Nursing (CNURED) - Nursing education programs at the baccalaureate degree levelsAccredited (01/28/2015 - 08/20/2017)
 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 (01/01/1959)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/126827.
open-close Campus Security and Safety
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape311
d. Fondling100
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary010
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence110
c. Stalking000
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations080
c. Liquor law violations051
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.100
b. Drug abuse violations144
c. Liquor law violations312321
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. Rape110
d. Fondling000
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary010
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence100
c. Stalking000
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations000
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.100
b. Drug abuse violations044
c. Liquor law violations302321
  • 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.
open-close Cohort Default Rates
Three-year Official Cohort Default Rates
Fiscal Year202120202019
Default rate0.0%0.0%0.9%
Number in default006
Number in repayment1,175562618
Aid Programs
  • Federal Direct Loan (Direct Loan)