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IPEDS ID: 228325
OPE ID: 00361600
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Nelson University
1200 Sycamore, Waxahachie, Texas 75165
General information:  (888) 937-7248
Website:  www.nelson.edu/
Type:  4-year, Private not-for-profit
Awards offered:  Associate's degree
Bachelor's degree
Master's degree
Doctor's degree - research/scholarship
Campus setting:  Suburb: Large
Campus housing:  Yes
Student population:  1,725 (1,413 undergraduate)
Student-to-faculty ratio:  15 to 1
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open-close General Information
Admissionswww.nelson.edu/admissions/sagu-admissions-online-on-campus-graduate-studies
Apply Onlinewww.nelson.edu/admissions/college-application
Financial Aidwww.nelson.edu/financial-aid/college-scholarships-grants-and-loans
Net Price Calculatorconnect.nelson.edu/register/?id=a906aa05-ca73-4dca-9db2-875d4df2305b
Tuition Policies for Servicemembers and Veteranswww.nelson.edu/admissions/veterans-affairs-education-benefits
Disability Serviceswww.nelson.edu/financial-aid/facilities-and-services-available-to-students-with-disabilities
Athletic Graduation Rateswww.nelson.edu/documents/Financial Aid/Information/Completion-Graduation_Rates_Athletes_Hand-Out.pdf
Mission Statement
  Nelson University exists to equip students spiritually, academically, professionally, and cross-culturally for their God-given careers and callings.
Special Learning Opportunities
Distance education – undergraduate programs offered
Distance education – graduate programs offered
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
3% or less
High school students enrolled in college courses for credit, 2023-2024
69
Carnegie Classification
Master's Colleges & Universities: Small Programs
Religious Affiliation
Assemblies of God Church
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 faculty6165
Instructional6165
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$17,404$17,782$18,610$25,06434.7%
Books and supplies$1,338$1,352$1,406$1,4342.0%
Living arrangement
On Campus
Food and Housing$7,662$8,150$9,050$9,5986.1%
Other expenses$5,900$5,958$6,194$6,3162.0%
Off Campus
Food and Housing$14,108$14,250$14,820$15,1162.0%
Other expenses$4,904$4,952$5,148$5,2502.0%
Off Campus with Family
Food and Housing---$4,800 -
Other expenses$4,904$4,952$5,148$5,2502.0%
Total Expenses2021-20222022-20232023-20242024-2025% change 2023-2024 to 2024-2025
On Campus$32,304$33,242$35,260$42,41220.3%
Off Campus$37,754$38,336$39,984$46,86417.2%
Off Campus with Family$23,646$24,086$25,164$31,74826.2%
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 year2024-2025
Tuition$8,442
Fees$1,160
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 aid129198%————
Grant or scholarship aid28495%$3,669,855$12,922
Federal grants16355%$879,877$5,398
Pell grants15552%$809,777$5,224
Other federal grants7626%$70,100$922
State/local government grant or scholarships9632%$339,959$3,541
Institutional grants or scholarships27091%$2,450,019$9,074
Student loan aid20870%$1,399,500$6,728
Federal student loans20669%$1,055,596$5,124
Other student loans269%$343,904$13,227
  • 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 aid11,29890%$15,081,373$11,619
Pell grants73851%$3,626,529$4,914
Federal student loans95066%$6,043,176$6,361
Non-degree/non-certificate-seeking
Grant or scholarship aid11222%$34,881$2,907
  • 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$22,245$19,217$19,834
Full-time beginning undergraduate students who were awarded Title IV aid by income.
Average net price by Income2020-20212021-20222022-2023
$0 – $30,000$20,652$17,856$16,990
$30,001 – $48,000$21,321$20,082$17,898
$48,001 – $75,000$22,707$21,800$19,915
$75,001 – $110,000$24,472$21,414$21,796
$110,001 and more$25,132$22,598$22,351
  • 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 enrollment1,725
Undergraduate enrollment1,413
Undergraduate transfer-in enrollment155
Graduate enrollment312
Undergraduate Attendance StatusUndergraduate Student Gender
Undergraduate Attendance Status: Full-time: 87% Part-time: 13%Undergraduate Student Gender: Male: 49% Female: 51%
Undergraduate Race/ethnicity
Undergraduate Race/ethnicity: American Indian or Alaska Native: 3% Asian: 1% Black or African American: 12% Hispanic/Latino: 26% Native Hawaiian or other Pacific Islander: 0% White: 52% Two or more races: 5% Race/ethnicity unknown: 0% U.S. Nonresident: 1%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age: 24 and under: 84% 25 and over: 16% Age unknown: 0%Undergraduate Student Residence: In-state: 66% Out-of-state: 33% Foreign countries: 0% 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: 26% Enrolled in some, but not all, distance education courses: 35% Not enrolled in any distance education courses: 39%
Graduate Attendance Status
Graduate Attendance Status: Full-time: 16% Part-time: 84%
Graduate Distance Education Status
Graduate Enrollment by Distance Education Status: Enrolled exclusively in distance education courses: 97% Enrolled in some, but not all, distance education courses: 3% Not enrolled in any distance education courses: 0%
open-close Admissions
Undergraduate application fee (2024-2025): $35
Undergraduate Admissions Fall 2023
TotalMaleFemale
Number of applicants615355260
Percent admitted84%82%87%
Percent admitted who enrolled55%54%56%
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
SAT14651%
ACT10838%
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 Writing463510560
SAT Math463500550
ACT Composite171922
ACT English151823
ACT Math161822
  • 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.
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: 81%
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, 59 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: 36% Transfer-out rate: 33%
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: 40% 6-year: 52% 8-year: 52% [Began in Fall 2017] 4-year: 30% 6-year: 42%
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: 32% Female: 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
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: 20% Black or African American: 30% Hispanic/Latino: 61% Native Hawaiian or other Pacific Islander: 100% White: 42% Two or more races: 22% U.S. Nonresident: 100%
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 an Associate's degree: 4% Received a Bachelor's degree: 38% Enrolled at same institution: 0% Enrolled at different institution: 31% [Pell] Received an Associate's degree: 3% Received a Bachelor's degree: 34% Enrolled at same institution: 0% Enrolled at different institution: 32% [Non-Pell] Received an Associate's degree: 5% Received a Bachelor's degree: 42% Enrolled at same institution: 0% Enrolled at different institution: 30%
PART-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate: [All students] Received an Associate's degree: 0% Received a Bachelor's degree: 7% Enrolled at same institution: 0% Enrolled at different institution: 45% [Pell] Received an Associate's degree: 0% Received a Bachelor's degree: 15% Enrolled at same institution: 0% Enrolled at different institution: 46% [Non-Pell] Received an Associate's degree: 0% Received a Bachelor's degree: 0% Enrolled at same institution: 0% Enrolled at different institution: 44%
FULL-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate: [All students] Received an Associate's degree: 6% Received a Bachelor's degree: 43% Enrolled at same institution: 1% Enrolled at different institution: 18% [Pell] Received an Associate's degree: 6% Received a Bachelor's degree: 36% Enrolled at same institution: 1% Enrolled at different institution: 18% [Non-Pell] Received an Associate's degree: 5% Received a Bachelor's degree: 55% Enrolled at same institution: 0% Enrolled at different institution: 18%
PART-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate: [All students] Received an Associate's degree: 2% Received a Bachelor's degree: 32% Enrolled at same institution: 3% Enrolled at different institution: 23% [Pell] Received an Associate's degree: 2% Received a Bachelor's degree: 35% Enrolled at same institution: 4% Enrolled at different institution: 23% [Non-Pell] Received an Associate's degree: 2% Received a Bachelor's degree: 30% Enrolled at same institution: 2% Enrolled at different institution: 23%
open-close Programs/Majors
Completions (Number of awards conferred) 2023-2024
Completions are the number of awards conferred by program and award level.
sort byProgramAssociateBachelorMasterDoctor
  • 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.
Business, Management, Marketing, and Related Support Services
Accounting-3d--
Business Administration and Management, General7d30d8d-
Business Administration, Management and Operations, Other-2d--
Marketing/Marketing Management, General-7d--
Organizational Leadership--14d-
Category total7d42d22d-
Communication, Journalism, and Related Programs
Communication and Media Studies, Other2---
Mass Communication/Media Studies-3--
Category total23--
Education
Counselor Education/School Counseling and Guidance Services--3d-
Curriculum and Instruction--2d-
Drama and Dance Teacher Education-0--
Early Childhood Education and Teaching0d-0d-
Education, General1d2d--
Educational Administration and Supervision, Other--3d-
Educational Leadership and Administration, General--0d-
Elementary Education and Teaching-6--
English/Language Arts Teacher Education-3d--
History Teacher Education--0d-
Mathematics Teacher Education-2--
Music Teacher Education-0--
Physical Education Teaching and Coaching-3--
Social Studies Teacher Education-4d--
Teaching English as a Second or Foreign Language/ESL Language Instructor5d---
Category total6d20d8d-
English Language and Literature/Letters
English Language and Literature, General3d3d2d-
Category total3d3d2d-
Family and Consumer Sciences/Human Sciences
Family and Community Services-5d--
Category total-5d--
Health Professions and Related Programs
Health Services/Allied Health/Health Sciences, General2d---
Mental Health Counseling/Counselor-5d2d-
Substance Abuse/Addiction Counseling1d---
Category total3d5d2d-
History
History, General-2d3d-
Category total-2d3d-
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Criminal Justice/Law Enforcement Administration-6d--
Category total-6d--
Liberal Arts and Sciences, General Studies and Humanities
General Studies13d40d--
Category total13d40d--
Multi/Interdisciplinary Studies
Ancient Studies/Civilization-1d--
Category total-1d--
Parks, Recreation, Leisure, Fitness, and Kinesiology
Sport and Fitness Administration/Management-10d--
Category total-10d--
Philosophy and Religious Studies
Christian Studies111d---
Philosophy and Religious Studies, General-0d--
Category total111d0d--
Psychology
Clinical Psychology--2-
Counseling Psychology-9d7-
Psychology, General5d14d1d-
Category total5d23d10d-
Public Administration and Social Service Professions
Human Services, General4d---
Social Work-9d--
Category total4d9d--
Social Sciences
Social Sciences, General0d---
Category total0d---
Theology and Religious Vocations
Bible/Biblical Studies65d15d11d-
Divinity/Ministry--5d-
Lay Ministry3d---
Missions/Missionary Studies4d3d0d-
Pastoral Counseling and Specialized Ministries, Other-55--
Pastoral Studies/Counseling-2d--
Religious/Sacred Music-1--
Theological and Ministerial Studies, Other--6d1
Theology and Religious Vocations, Other-0d--
Theology/Theological Studies-1d1d-
Worship Ministry-2--
Youth Ministry--3d-
Category total72d79d26d1
Visual and Performing Arts
Cinematography and Film/Video Production-6--
Drama and Dramatics/Theatre Arts, General-1--
Music Performance, General-1--
Music, General55--
Category total513--
Grand total231261731
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
Recognized student veteran organization
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: 31 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: $9,740 Post-9/11 GI Bill Benefits - graduates: $3,724
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: 100% Part-time students: 100%
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: NAIA Division I
Varsity Men's and Women's TeamsMenWomen
All Track Combined3720
Baseball79–
Basketball4730
Football132–
Soccer2632
Softball–30
Volleyball–22
open-close Accreditation
Institutional Accreditation
AccreditorStatusNext Review Date
Association for Biblical Higher Education, Commission on AccreditationAccredited (07/01/1948 - 08/31/2003)
Southern Association of Colleges and Schools, Commission on CollegesAccredited since (01/01/1968)12/01/2032
  • 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/146083.
open-close Campus Security and Safety
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape000
d. Fondling000
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary000
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence000
c. Stalking000
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations000
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.002
b. Drug abuse violations91710
c. Liquor law violations10721
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. Rape000
d. Fondling000
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary000
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence000
c. Stalking000
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations000
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.002
b. Drug abuse violations91710
c. Liquor law violations10721
  • 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%4.5%
Number in default0035
Number in repayment706737767
Aid Programs
  • Federal Direct Loan (Direct Loan)