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IPEDS ID: 239080
OPE ID: 00386100
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Marian University
45 S National Ave, Fond Du Lac, Wisconsin 54935-4699
General information:  (920) 923-7600
Website:  www.marianuniversity.edu/
Type:  4-year, Private not-for-profit
Awards offered:  Bachelor's degree
Master's degree
Post-master's certificate
Campus setting:  City: Small
Campus housing:  Yes
Student population:  1,319 (1,074 undergraduate)
Student-to-faculty ratio:  12 to 1
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open-close General Information
Admissionswww.marianuniversity.edu/admission/
Apply Onlinemarianuniversity.elluciancrmrecruit.com/Apply/
Financial Aidwww.marianuniversity.edu/tuition-financial-aid/
Net Price Calculatorwww.marianuniversity.edu/admission-financial-aid/financial-aid/net-price-calculator/
Tuition Policies for Servicemembers and Veteranswww.marianuniversity.edu/admission/veterans/
Disability Serviceswww.marianuniversity.edu/student-life/student-resources/#access
Athletic Graduation Rateswww.marianuniversity.edu/about/student-consumer-information/
Mission Statement
  www.marianuniversity.edu/about/mission-values/
Special Learning Opportunities
Distance education – undergraduate programs offered
Distance education – graduate programs offered
ROTC (Army)
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 2022
5.00%
High school students enrolled in college courses for credit, 2022-2023
11
Carnegie Classification
Master's Colleges & Universities: Medium Programs
Religious Affiliation
Roman Catholic
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
Developmental Education
Credit Accepted
Credit for life experiences
Advanced placement (AP) credits
Faculty and graduate assistants by primary function, Fall 2023Full timePart time
Total faculty44118
Instructional44118
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 year2020-20212021-20222022-20232023-2024% change 2022-2023 to 2023-2024
Tuition and fees$28,560$29,130$30,000$33,00010.0%
Books and supplies$800$800$800$90012.5%
Living arrangement
On Campus
Food and Housing$7,810$7,920$8,290$8,9538.0%
Other expenses$3,100$3,100$3,100$3,1000.0%
Off Campus
Food and Housing$5,100$5,100$5,100$5,70911.9%
Other expenses$4,100$4,100$4,100$4,000-2.4%
Off Campus with Family
Other expenses$3,100$3,100$3,100$3,1000.0%
Total Expenses2020-20212021-20222022-20232023-2024% change 2022-2023 to 2023-2024
On Campus$40,270$40,950$42,190$45,9538.9%
Off Campus$38,560$39,130$40,000$43,6099.0%
Off Campus with Family$32,460$33,030$33,900$37,0009.1%
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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 year2023-2024
Tuition$11,509
Fees$0
  • The Cost of Attendance varies by program.;
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 aid1213100%————
Grant or scholarship aid213100%$3,891,901$18,272
Federal grants213100%$585,206$2,747
Pell grants7535%$352,671$4,702
Other federal grants213100%$232,535$1,092
State/local government grant or scholarships5827%$178,361$3,075
Institutional grants or scholarships20094%$3,128,334$15,642
Student loan aid19491%$1,416,477$7,301
Federal student loans19491%$1,051,911$5,422
Other student loans2914%$364,566$12,571
  • 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 aid11,058100%$17,613,103$16,648
Pell grants33932%$1,631,692$4,813
Federal student loans83679%$6,728,557$8,049
Non-degree/non-certificate-seeking
Grant or scholarship aid110100%$400$40
  • 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.
2020-20212021-20222022-2023
Average net price$21,032$25,394$23,552
Full-time beginning undergraduate students who were awarded Title IV aid by income.
Average net price by Income2020-20212021-20222022-2023
$0 – $30,000$16,917$25,554$24,155
$30,001 – $48,000$17,663$25,209$21,978
$48,001 – $75,000$17,787$27,474$20,296
$75,001 – $110,000$21,829$19,746$21,839
$110,001 and more$25,287$23,595$24,866
  • 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 2023
Total enrollment1,319
Undergraduate enrollment1,074
Undergraduate transfer-in enrollment127
Graduate enrollment245
Undergraduate Attendance StatusUndergraduate Student Gender
Undergraduate Attendance Status: Full-time: 85% Part-time: 15%Undergraduate Student Gender: Male: 35% Female: 65%
Undergraduate Race/ethnicity
Undergraduate Race/ethnicity: American Indian or Alaska Native: 1% Asian: 2% Black or African American: 7% Hispanic/Latino: 10% Native Hawaiian or other Pacific Islander: 0% White: 67% Two or more races: 3% Race/ethnicity unknown: 5% U.S. Nonresident: 5%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age: 24 and under: 76% 25 and over: 23% Age unknown: 0%Undergraduate Student Residence: In-state: 56% Out-of-state: 42% Foreign countries: 0% Unknown: 2%
  • 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: 17% Enrolled in some, but not all, distance education courses: 17% Not enrolled in any distance education courses: 66%
Graduate Attendance Status
Graduate Attendance Status: Full-time: 12% Part-time: 88%
Graduate Distance Education Status
Graduate Enrollment by Distance Education Status: Enrolled exclusively in distance education courses: 84% Enrolled in some, but not all, distance education courses: 11% Not enrolled in any distance education courses: 6%
open-close Admissions
Undergraduate Admissions Fall 2023
TotalMaleFemale
Number of applicants1,596658931
Percent admitted67%58%73%
Percent admitted who enrolled21%22%21%
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
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: 62% Part-time students: 40%
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, 61 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: 41% Transfer-out rate: 38%
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 2015] 4-year: 41% 6-year: 56% 8-year: 56% [Began in Fall 2017] 4-year: 30% 6-year: 41%
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: 28% Female: 48%
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: 25% Asian: 60% Black or African American: 15% Hispanic/Latino: 29% White: 45% Two or more races: 42% Race/ethnicity unknown: 36% U.S. Nonresident: 50%
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: 55% Enrolled at same institution: 0% Enrolled at different institution: 29% [Pell] Received a Bachelor's degree: 40% Enrolled at same institution: 0% Enrolled at different institution: 38% [Non-Pell] Received a Bachelor's degree: 64% Enrolled at same institution: 0% Enrolled at different institution: 22%
PART-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate: [All students] Received a Bachelor's degree: 43% Enrolled at same institution: 0% Enrolled at different institution: 21% [Pell] Received a Bachelor's degree: 0% Enrolled at same institution: 0% Enrolled at different institution: 50% [Non-Pell] Received a Bachelor's degree: 50% Enrolled at same institution: 0% Enrolled at different institution: 17%
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: 69% Enrolled at same institution: 0% Enrolled at different institution: 10% [Pell] Received a Bachelor's degree: 72% Enrolled at same institution: 0% Enrolled at different institution: 10% [Non-Pell] Received a Bachelor's degree: 68% Enrolled at same institution: 0% Enrolled at different institution: 10%
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: 53% Enrolled at same institution: 0% Enrolled at different institution: 8% [Pell] Received a Bachelor's degree: 46% Enrolled at same institution: 0% Enrolled at different institution: 23% [Non-Pell] Received a Bachelor's degree: 55% Enrolled at same institution: 0% Enrolled at different institution: 4%
open-close Programs/Majors
Completions (Number of awards conferred) 2022-2023
Completions are the number of awards conferred by program and award level.
sort byProgramPostgraduate
Certificate		BachelorMaster
  • 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
Biology/Biological Sciences, General-10-
Category total-10-
Business, Management, Marketing, and Related Support Services
Accounting-7d-
Business Administration and Management, General-19d-
Construction Management, General-0-
Finance, General-8-
Human Resources Management/Personnel Administration, General-0-
Management Information Systems, General-0-
Management Science--6d
Marketing, Other-1-
Marketing/Marketing Management, General-8-
Operations Management and Supervision-0-
Organizational Leadership--0d
Risk Management-0-
Category total-43d6d
Communication, Journalism, and Related Programs
Communication, General-0-
Digital Communication and Media/Multimedia-1-
Journalism-0-
Organizational Communication, General-0-
Public Relations, Advertising, and Applied Communication-2-
Speech Communication and Rhetoric-0-
Category total-3-
Computer and Information Sciences and Support Services
Information Technology-0-
Category total-0-
Education
Administration of Special Education--0d
Curriculum and Instruction--0d
Early Childhood Education and Teaching-6-
Education, Other-1-
Educational Administration and Supervision, Other--0d
Educational Leadership and Administration, General--0
Educational, Instructional, and Curriculum Supervision--0d
Educational/Instructional Technology--0d
Elementary Education and Teaching-13-
English/Language Arts Teacher Education-1-
Reading Teacher Education--0
Secondary Education and Teaching-1-
Social Studies Teacher Education-0-
Special Education and Teaching, Other-310d
Superintendency and Educational System Administration0d--
Teacher Education and Professional Development, Specific Levels and Methods, Other--26d
Technology Teacher Education/Industrial Arts Teacher Education-0-
Category total0d2536d
English Language and Literature/Letters
English Language and Literature, General-2-
Writing, General-1-
Category total-3-
Health Professions and Related Programs
Art Therapy/Therapist-1-
Cytotechnology/Cytotechnologist-0-
Dental Hygiene/Hygienist-5d-
Diagnostic Medical Sonography/Sonographer and Ultrasound Technician-16-
Family Practice Nurse/Nursing--14
Geriatric Nurse/Nursing--0
Health/Health Care Administration/Management-104d
Medical Office Assistant/Specialist-0-
Mental and Social Health Services and Allied Professions, Other--18d
Nursing Education--0
Nursing Science--2
Radiologic Technology/Science - Radiographer-20-
Registered Nursing/Registered Nurse-33-
Respiratory Care Therapy/Therapist-2-
Category total-87d38d
History
History, General-2-
Category total-2-
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Criminal Justice/Law Enforcement Administration-0-
Criminal Justice/Safety Studies-27d2d
Forensic Science and Technology-6-
Homeland Security-2-
Homeland Security, Law Enforcement, Firefighting and Related Protective Services, Other-0-
Category total-35d2d
Liberal Arts and Sciences, General Studies and Humanities
Liberal Arts and Sciences/Liberal Studies-0-
Category total-0-
Mathematics and Statistics
Mathematics, General-1-
Category total-1-
Multi/Interdisciplinary Studies
Multi-/Interdisciplinary Studies, General-0-
Multi-/Interdisciplinary Studies, Other-10-
Category total-10-
Parks, Recreation, Leisure, Fitness, and Kinesiology
Exercise Science and Kinesiology-10-
Sport and Fitness Administration/Management-10-
Category total-20-
Physical Sciences
Chemistry, General-0-
Category total-0-
Psychology
Industrial and Organizational Psychology--5d
Psychology, General-24-
Category total-245d
Public Administration and Social Service Professions
Human Services, General-0-
Social Work-21d-
Category total-21d-
Visual and Performing Arts
Graphic Design-2-
Music Management-0-
Music, General-1-
Music, Other-0-
Category total-3-
Grand total028787
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, 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: 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: $8,983 Post-9/11 GI Bill Benefits - graduates: $6,169
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 Part-time students: 50%
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 III without football
Varsity Men's and Women's TeamsMenWomen
All Track Combined56
Baseball39–
Basketball2218
Bowling–18
Field Hockey–11
Golf108
Ice Hockey3022
Lacrosse2814
Soccer3036
Softball–23
Tennis108
Volleyball2217
open-close Accreditation
Institutional Accreditation
AccreditorStatusNext Review Date
Higher Learning CommissionAccredited since ((!)01/01/1960)8/31/2026
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
Commission on Collegiate Nursing Education
Nursing (CNURED) - Nursing education programs at the baccalaureate degree levelsAccredited since (10/09/2004)06/30/2034
Nursing (CNURED) - Nursing education programs at the graduate degree levelsAccredited since (10/09/2004)06/30/2034
 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 (01/01/1966)06/20/2014
  • (!) 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/150093.
open-close Campus Security and Safety
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape301
d. Fondling101
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary101
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence202
c. Stalking203
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations100
c. Liquor law violations020
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations7011
c. Liquor law violations508738
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. Rape301
d. Fondling001
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary001
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence002
c. Stalking002
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations100
c. Liquor law violations020
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations7011
c. Liquor law violations498737
  • 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%2.0%
Number in default0011
Number in repayment541574542
Aid Programs
  • Federal Direct Loan (Direct Loan)