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IPEDS ID: 220516
OPE ID: 00349600
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King University
1350 King College Road, Bristol, Tennessee 37620-2699
General information:  (423) 968-1187
Website:  www.king.edu/
Type:  4-year, Private not-for-profit
Awards offered:  Less than one year certificate
Associate's degree
Bachelor's degree
Master's degree
Post-master's certificate
Doctor's degree - professional practice
Campus setting:  City: Small
Campus housing:  Yes
Student population:  1,157 (964 undergraduate)
Student-to-faculty ratio:  11 to 1
Expand All | Collapse All
open-close General Information
Admissionswww.king.edu/admissions/
Apply Onlineapply.king.edu/
Financial Aidwww.king.edu/admissions/financial-aid/
Net Price Calculatorwww.king.edu/admissions/financial-aid/tuition-and-fees/traditional-undergrad-cost/net-price-calculator/
Tuition Policies for Servicemembers and Veteranswww.king.edu/about/offices/registrar/military/
Disability Serviceswww.king.edu/current-students/student-services/disability-services/
Athletic Graduation Rateswww.kingtornado.com/documents/2024/3/11/031124_NCAA_Grad_Rate_2017-18_Report.pdf
Mission Statement
  www.king.edu/faith-and-values/mission-and-vision/
Special Learning Opportunities
Distance education – undergraduate programs offered
Distance education – graduate programs offered
ROTC (Army)
Study abroad
Weekend/evening college
Undergraduate research (co-curricula)
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 2024
3% or less
High school students enrolled in college courses for credit, 2024-2025
43
Carnegie Classification
Master's Colleges & Universities: Larger Programs
Religious Affiliation
Presbyterian Church (USA)
Federal Aid
Eligible students may receive Pell Grants and other federal aid (e.g. Direct Loans).
For-credit instruction programs offered
Academic
Continuing professional
Noncredit education offered
Recreational/Avocational/Leisure/Personal Enrichment
Credit Accepted
Advanced placement (AP) credits
Faculty and graduate assistants by primary function, Fall 2024Full timePart time
Total faculty6243
Instructional6243
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 year2022-20232023-20242024-20252025-2026% change 2024-2025 to 2025-2026
Tuition and fees$32,798$33,784$34,800$36,1944.0%
Books and supplies$1,600$1,656$1,706$1,300-23.8%
Living arrangement
On Campus
Food and Housing$9,668$9,960$10,262$10,8806.0%
Other expenses$3,210$3,410$3,516$3,7185.7%
Off Campus
Food and Housing$6,300$6,690$6,890$8,45022.6%
Other expenses$6,000$6,948$7,160$6,834-4.6%
Off Campus with Family
Food and Housing---$4,922 -
Other expenses$5,500$6,948$7,160$6,834-4.6%
Total Expenses2022-20232023-20242024-20252025-2026% change 2024-2025 to 2025-2026
On Campus$47,276$48,810$50,284$52,0923.6%
Off Campus$46,698$49,078$50,556$52,7784.4%
Off Campus with Family$39,898$42,388$43,666$44,3281.5%
close
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 year2025-2026
Tuition$16,073
Fees$0
Alternative Tuition Plans and Promise Program
Type of PlanOffered
Tuition guarantee plan
Prepaid tuition plan
Tuition payment planX
Other alternative tuition planX
  • Does not participate in Promise program
open-close Financial Aid
Undergraduate Student Financial Aid, 2023-2024
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 aid1163100%————
Grant or scholarship aid16299%$4,271,293$26,366
Federal grants7848%$447,335$5,735
Pell grants7848%$399,335$5,120
Other federal grants1811%$48,000$2,667
State/local government grant or scholarships6942%$451,511$6,544
Institutional grants or scholarships15897%$3,372,447$21,345
Student loan aid9860%$683,891$6,978
Federal student loans9760%$497,135$5,125
Other student loans117%$186,756$16,978
  • 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 aid183686%$17,686,961$21,157
Pell grants44846%$2,668,858$5,957
Federal student loans59461%$4,173,689$7,026
Non-degree/non-certificate-seeking
Grant or scholarship aid15352%$134,315$2,534
  • 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.
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.
2021-20222022-20232023-2024
Average net price$22,626$23,005$22,748
Full-time beginning undergraduate students who were awarded Title IV aid by income.
Average net price by Income2021-20222022-20232023-2024
$0 – $30,000$22,559$21,206$22,696
$30,001 – $48,000$21,678$20,354$17,677
$48,001 – $75,000$19,230$22,207$18,035
$75,001 – $110,000$25,446$27,704$21,188
$110,001 and more$25,282$25,171$27,219
  • 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.
open-close Enrollment
Fall 2024
Total enrollment1,157
Undergraduate enrollment964
Undergraduate transfer-in enrollment163
Graduate enrollment193
Undergraduate Attendance StatusUndergraduate Student Gender
Undergraduate Attendance Status: Full-time: 85% Part-time: 15%Undergraduate Student Gender: Male: 41% Female: 59%
Undergraduate Race/ethnicity
Undergraduate Race/ethnicity: American Indian or Alaska Native: 1% Asian: 0% Black or African American: 5% Hispanic/Latino: 5% Native Hawaiian or other Pacific Islander: 0% White: 71% Two or more races: 7% Race/ethnicity unknown: 4% U.S. Nonresident: 6%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age: 24 and under: 73% 25 and over: 27% Age unknown: 0%Undergraduate Student Residence: In-state: 41% Out-of-state: 52% Foreign countries: 7% Unknown: 0%
  • Age data are reported for Fall 2023.
  • 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: 38% Enrolled in some, but not all, distance education courses: 25% Not enrolled in any distance education courses: 37%
Graduate Attendance Status
Graduate Attendance Status: Full-time: 75% Part-time: 25%
Graduate Distance Education Status
Graduate Enrollment by Distance Education Status: Enrolled exclusively in distance education courses: 55% Enrolled in some, but not all, distance education courses: 27% Not enrolled in any distance education courses: 18%
open-close Admissions
Undergraduate Admissions Fall 2024
TotalMaleFemale
Number of applicants725287437
Percent admitted100%99%100%
Percent admitted who enrolled20%28%15%
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
  • "Recommendations" and "Personal statement or essays" are not required for admission, and are only considered if a student falls below a 3.0 GPA and must be reviewed by committee. Submission of standardized test scores is an optional part of the admissions process. We do encourage students to submit score(s) because it’s helpful to enhance their scholarship potential. King’s policy is consistent with The National Center for Fair Open Testing.
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: 60% Part-time students: 33%
Percentage of Students Who Began Their Studies in Fall 2023 and Returned in Fall 2024
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, 41 percent of entering students were counted as "full-time, first-time" in 2024.

Overall Graduation and Transfer-Out Rates for Students Who Began Their Studies in Fall 2018
Overall graduation rate: Overall graduation rate: 48% Transfer-out rate: 37%
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 2016] 4-year: 42% 6-year: 47% 8-year: 48% [Began in Fall 2018] 4-year: 45% 6-year: 49%
Percentage of Full-time, First-time Students Who Graduated in the Specified Amount of Time and Began in Fall 2016 or Fall 2018
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: 37% Female: 60%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2018 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: 0% Black or African American: 45% Hispanic/Latino: 100% Native Hawaiian or other Pacific Islander: 50% White: 51% Two or more races: 100% Race/ethnicity unknown: 38% U.S. Nonresident: 50%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2018 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 2016-17
Award and enrollment rate: [All students] Received an Associate's degree: 0% Received a Bachelor's degree: 44% Enrolled at same institution: 0% Enrolled at different institution: 33% [Pell] Received an Associate's degree: 1% Received a Bachelor's degree: 34% Enrolled at same institution: 0% Enrolled at different institution: 32% [Non-Pell] Received an Associate's degree: 0% Received a Bachelor's degree: 54% Enrolled at same institution: 0% Enrolled at different institution: 34%
PART-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2016-17
Award and enrollment rate: [All students] Received an Associate's degree: 0% Received a Bachelor's degree: 0% Enrolled at same institution: 0% Enrolled at different institution: 50% [Pell] Received an Associate's degree: 0% Received a Bachelor's degree: 0% Enrolled at same institution: 0% Enrolled at different institution: 100% [Non-Pell] Received an Associate's degree: 0% Received a Bachelor's degree: 0% Enrolled at same institution: 0% Enrolled at different institution: 33%
FULL-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2016-17
Award and enrollment rate: [All students] Received an Associate's degree: 1% Received a Bachelor's degree: 69% Enrolled at same institution: 0% Enrolled at different institution: 14% [Pell] Received an Associate's degree: 0% Received a Bachelor's degree: 67% Enrolled at same institution: 0% Enrolled at different institution: 16% [Non-Pell] Received an Associate's degree: 1% Received a Bachelor's degree: 71% Enrolled at same institution: 0% Enrolled at different institution: 13%
PART-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2016-17
Award and enrollment rate: [All students] Received an Associate's degree: 2% Received a Bachelor's degree: 33% Enrolled at same institution: 0% Enrolled at different institution: 37% [Pell] Received an Associate's degree: 4% Received a Bachelor's degree: 41% Enrolled at same institution: 0% Enrolled at different institution: 22% [Non-Pell] Received an Associate's degree: 0% Received a Bachelor's degree: 27% Enrolled at same institution: 0% Enrolled at different institution: 50%
open-close Programs/Majors
Completions (Number of awards conferred) 2024-2025
Completions are the number of awards conferred by program and award level.
sort byProgramUndergraduate
Certificate		Postgraduate
Certificate		AssociateBachelorMasterDoctor
  • 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
Biochemistry---0--
Biology/Biological Sciences, General---13--
Category total---13--
Business, Management, Marketing, and Related Support Services
Accounting---7d--
Business Administration and Management, General---2837-
Business/Commerce, General---29--
Digital Marketing---0--
Category total---64d37-
Computer and Information Sciences and Support Services
Information Technology---12d--
Category total---12d--
Education
Biology Teacher Education---0--
Chemistry Teacher Education---0--
Curriculum and Instruction----2d-
Elementary Education and Teaching---18--
English/Language Arts Teacher Education---0--
History Teacher Education---2--
Mathematics Teacher Education---0--
Music Teacher Education---0--
Physics Teacher Education---0--
Spanish Language Teacher Education---0--
Teacher Education and Professional Development, Specific Levels and Methods, Other---0--
Category total---202d-
Engineering
Pre-Engineering---0--
Category total---0--
English Language and Literature/Letters
English Language and Literature, General---0--
Category total---0--
Foreign Languages, Literatures, and Linguistics
Spanish Language and Literature0--0--
Category total0--0--
Health Professions and Related Programs
Critical Care Nursing-0d--0d-
Family Practice Nurse/Nursing-0--27-
Health Professions Education-0d----
Health/Health Care Administration/Management---8d7d-
Nursing Administration----2d-
Nursing Education----0d-
Nursing Practice-----1d
Pediatric Nurse/Nursing----5-
Psychiatric/Mental Health Nurse/Nursing-10d--9d-
Registered Nursing/Registered Nurse---38--
Category total-10d-46d50d1d
History
History, General---5--
Category total---5--
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Criminal Justice/Safety Studies---9--
Forensic Science and Technology---0--
Category total---9--
Liberal Arts and Sciences, General Studies and Humanities
General Studies--1d---
Category total--1d---
Mathematics and Statistics
Mathematics, General---4--
Category total---4--
Multi/Interdisciplinary Studies
History and Political Science---1--
Multi-/Interdisciplinary Studies, General---4--
Category total---5--
Parks, Recreation, Leisure, Fitness, and Kinesiology
Exercise Science and Kinesiology---10--
Sport and Fitness Administration/Management---9--
Category total---19--
Philosophy and Religious Studies
Religion/Religious Studies---1--
Category total---1--
Physical Sciences
Chemistry, General---1--
Physics, General---0--
Category total---1--
Psychology
Psychology, General---18--
Category total---18--
Public Administration and Social Service Professions
Social Work---28d25d-
Category total---28d25d-
Social Sciences
International Relations and National Security Studies, Other---10--
Category total---10--
Visual and Performing Arts
Digital Arts---2--
Drama and Dramatics/Theatre Arts, General---0--
Music, General---0--
Category total---2--
Grand total01012571141
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
Recognized student veteran organization
Member of Department of Defense Voluntary Educational Partnership Memorandum of Understanding
Tuition policies specifically for Veterans and Servicemembers
Educational Benefits, 2023-2024
Number of students receiving benefits/assistance
Number of students receiving benefits/assistance: Post-9/11 GI Bill Benefits - undergraduates: 22 Post-9/11 GI Bill Benefits - graduates: 5 DoD Tuition Assistance Program - undergraduates: 0 DoD Tuition Assistance Program - graduates: 0
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: $12,351 Post-9/11 GI Bill Benefits - graduates: $7,838
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: 80%
Retention rate is the percentage of undergraduate students who began their studies in academic year 2013-14 and returned in academic year 2014-15
open-close Varsity Athletic Teams
Athletics Participation
  • Sanction Body: NCAA Division II without football
Varsity Men's and Women's TeamsMenWomen
All Track Combined5831
Baseball48–
Basketball2515
Golf126
Soccer3925
Softball–24
Swimming1113
Tennis35
Volleyball1419
Wrestling3623
Other Sports3659
Varsity Coed TeamsMenWomen
Other Sports11
open-close Accreditation
Institutional Accreditation
AccreditorStatusNext Review Date
Southern Association of Colleges and Schools, Commission on CollegesAccredited since (01/01/1947)12/01/2028
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
Commission on Collegiate Nursing Education
Nursing (CNDNP) - Nursing education programs at the doctorate degree levelsAccredited since (11/16/2015)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 (10/13/2007)06/30/2031
  • 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/143464.
open-close Campus Security and Safety
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape102
d. Fondling010
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary594
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence110
b. Dating violence000
c. Stalking000
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations313
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations400
c. Liquor law violations1048
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. Rape102
d. Fondling010
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary364
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence010
b. Dating violence000
c. Stalking000
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations311
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations400
c. Liquor law violations1048
  • 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%2.1%
Number in default0019
Number in repayment803779882
Aid Programs
  • Federal Direct Loan (Direct Loan)