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IPEDS ID: 128744
OPE ID: 00141600
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University of Bridgeport
126 Park Avenue, Bridgeport, Connecticut 06604-5620
Distance from ZIP:  0.0 miles from 06604
General information:  (203) 576-4000
Website:  www.bridgeport.edu/
Type:  4-year, Private not-for-profit
Awards offered:  Less than one year certificate
Associate's degree
Bachelor's degree
Postbaccalaureate certificate
Master's degree
Post-master's certificate
Doctor's degree - research/scholarship
Doctor's degree - professional practice
Campus setting:  City: Midsize
Campus housing:  Yes
Student population:  3,838 (1,570 undergraduate)
Student-to-faculty ratio:  15 to 1
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open-close General Information
Admissionswww.bridgeport.edu/admissions
Apply Onlinewww.bridgeport.edu/admissions/online/
Financial Aidwww.bridgeport.edu/finaid/financial-aid-information-all-students/
Net Price Calculatorwww.bridgeport.edu/cost-financial-aid/net-price-calculator
Tuition Policies for Servicemembers and Veteranswww.bridgeport.edu/finaid/veterans-student-guide/
Disability Serviceswww.bridgeport.edu/student-accessibility/
Mission Statement
  University of Bridgeport Mission: The University promotes academic excellence, personal responsibility, and commitment to service. Distinctive curricula in an international, culturally diverse supportive learning environment prepare graduates for life and leadership in an increasingly interconnected world.
Special Learning Opportunities
Distance education – undergraduate programs offered
Distance education – graduate programs offered
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
3% or less
High school students enrolled in college courses for credit, 2023-2024
578
Carnegie Classification
Doctoral/Professional Universities
Religious Affiliation
Not applicable
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
English as a Second Language
Credit Accepted
Advanced placement (AP) credits
Faculty and graduate assistants by primary function, Fall 2024Full timePart time
Total faculty153267
Instructional153267
Research and public service00
Total graduate assistants-27
Instructional-22
Research-5
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$35,760$35,760$35,760$35,7600.0%
Living arrangement
On Campus
Food and Housing$16,350$16,350$16,350$16,3500.0%
Other expenses$7,372$7,372$7,372$7,3720.0%
Off Campus
Food and Housing$8,776$8,776$8,776$8,7760.0%
Other expenses$10,502$10,502$10,502$10,5020.0%
Off Campus with Family
Food and Housing---$7,800 -
Other expenses$8,282$8,282$8,282$8,2820.0%
Total Expenses2021-20222022-20232023-20242024-2025% change 2023-2024 to 2024-2025
On Campus$59,482$59,482$59,482$59,4820.0%
Off Campus$55,038$55,038$55,038$55,0380.0%
Off Campus with Family$44,042$44,042$44,042$44,0420.0%
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This calculator uses estimated student expenses data to estimate the total tuition and fees charged over the duration of a typical 4-year program at this school.
1. Select starting academic year
2. Select tuition inflation rate
 
 
% (0-100 allowed)
  • This school has a guaranteed tuition plan which may reduce the total estimated tuition and fees over the duration of a program. For further details please contact the institution.
  • The output is only an estimate and not a guarantee of the actual amount the student may be charged; it is not binding on the Secretary, the institution of higher education, or the State; and it may change, subject to the availability of financial assistance, State appropriations, and other factors. The student must complete the Free Application for Federal Student Aid (FAFSA) to be eligible for, and receive, an actual financial aid award that includes federal grant, loan, or work-study assistance.
  • The estimated price does not include Food and Housing, books and supplies, etc. (where applicable) and is based on previous years' tuition and fees data. Tuition and fees may vary by program. Please contact this institution for detailed price information.
  • Estimated yearly tuition and fees may not sum to totals because of rounding.
Estimate the total tuition and fee costs over the duration of a typical program.
 Multiyear Tuition Calculator
Average graduate student tuition and fees for academic year2024-2025
Tuition$19,096
Fees$2,690
Alternative Tuition Plans and Promise Program
Type of PlanOffered
Tuition guarantee planX
Prepaid tuition plan
Tuition payment planX
Other alternative tuition plan
  • Does not participate in Promise program
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 aid120996%————
Grant or scholarship aid20996%$5,206,973$24,914
Federal grants13160%$864,307$6,598
Pell grants12759%$722,057$5,685
Other federal grants7836%$142,250$1,824
State/local government grant or scholarships(*)1%(*)(*)
Institutional grants or scholarships17581%$4,332,166$24,755
Student loan aid14567%$1,142,533$7,880
Federal student loans14567%$767,345$5,292
Other student loans2311%$375,188$16,313
  • 1 Includes students awarded Federal work study aid and aid from other sources not listed above.
  • (*) Number awarded aid and total and average amounts of aid awarded are withheld to preserve the privacy of individuals.
All Undergraduate Students
Type of AidNumber awarded aidPercent awarded aidTotal amount of aid awardedAverage amount of aid awarded
Degree/certificate-seeking
Grant or scholarship aid11,26287%$30,272,333$23,988
Pell grants79155%$4,061,917$5,135
Federal student loans1,11977%$8,286,226$7,405
Non-degree/non-certificate-seeking
Grant or scholarship aid100%$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.

  • 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$28,470$26,064$28,498
Full-time beginning undergraduate students who were awarded Title IV aid by income.
Average net price by Income2021-20222022-20232023-2024
$0 – $30,000$25,169$21,943$27,238
$30,001 – $48,000$27,432$23,572$28,124
$48,001 – $75,000$27,297$25,830$26,062
$75,001 – $110,000$28,480$27,339$27,487
$110,001 and more$25,352$27,063$29,733
  • 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.
Visit this institution's net price calculator
open-close Enrollment
Fall 2024
Total enrollment3,838
Undergraduate enrollment1,570
Undergraduate transfer-in enrollment190
Graduate enrollment2,268
Undergraduate Attendance StatusUndergraduate Student Gender
Undergraduate Attendance Status: Full-time: 79% Part-time: 21%Undergraduate Student Gender: Male: 29% Female: 71%
Undergraduate Race/ethnicity
Undergraduate Race/ethnicity: American Indian or Alaska Native: 1% Asian: 4% Black or African American: 35% Hispanic/Latino: 30% Native Hawaiian or other Pacific Islander: 0% White: 22% Two or more races: 1% Race/ethnicity unknown: 3% U.S. Nonresident: 5%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age: 24 and under: 68% 25 and over: 32% Age unknown: 0%Undergraduate Student Residence: In-state: 66% Out-of-state: 28% Foreign countries: 6% 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: 18% Enrolled in some, but not all, distance education courses: 51% Not enrolled in any distance education courses: 31%
Graduate Attendance Status
Graduate Attendance Status: Full-time: 61% Part-time: 39%
Graduate Distance Education Status
Graduate Enrollment by Distance Education Status: Enrolled exclusively in distance education courses: 29% Enrolled in some, but not all, distance education courses: 51% Not enrolled in any distance education courses: 20%
open-close Admissions
Undergraduate Admissions Fall 2024
TotalMaleFemale
Number of applicants9,2374,3224,915
Percent admitted83%79%86%
Percent admitted who enrolled5%3%7%
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 2024 (enrolled first-time students)
Students submitting scoresNumberPercent
SAT31%
  • 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: 61% Part-time students: 29%
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, 47 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: 41% Transfer-out rate: 36%
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: 37% 6-year: 47% 8-year: 48% [Began in Fall 2018] 4-year: 29% 6-year: 41%
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: 43%
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: 100% Asian: 43% Black or African American: 40% Hispanic/Latino: 38% White: 44% Two or more races: 40% U.S. Nonresident: 45%
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: 1% Received a Bachelor's degree: 47% Enrolled at same institution: 1% Enrolled at different institution: 34% [Pell] Received an Associate's degree: 1% Received a Bachelor's degree: 44% Enrolled at same institution: 1% Enrolled at different institution: 37% [Non-Pell] Received an Associate's degree: 0% Received a Bachelor's degree: 52% Enrolled at same institution: 0% Enrolled at different institution: 31%
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: 60% [Pell] Received an Associate's degree: 0% Received a Bachelor's degree: 0% Enrolled at same institution: 0% Enrolled at different institution: 33% [Non-Pell] Received an Associate's degree: 0% Received a Bachelor's degree: 0% Enrolled at same institution: 0% Enrolled at different institution: 100%
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: 10% Received a Bachelor's degree: 68% Enrolled at same institution: 0% Enrolled at different institution: 13% [Pell] Received an Associate's degree: 14% Received a Bachelor's degree: 65% Enrolled at same institution: 0% Enrolled at different institution: 9% [Non-Pell] Received an Associate's degree: 7% Received a Bachelor's degree: 70% Enrolled at same institution: 0% Enrolled at different institution: 16%
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: 0% Received a Bachelor's degree: 83% Enrolled at same institution: 0% Enrolled at different institution: 8% [Pell] Received an Associate's degree: 0% Received a Bachelor's degree: 75% Enrolled at same institution: 0% Enrolled at different institution: 13% [Non-Pell] Received an Associate's degree: 0% Received a Bachelor's degree: 84% Enrolled at same institution: 0% Enrolled at different institution: 7%
open-close Programs/Majors
Completions (Number of awards conferred) 2023-2024
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
Biology/Biological Sciences, General---94-
Category total---94-
Business, Management, Marketing, and Related Support Services
Accounting---4--
Business Administration and Management, General--0265-
Business, Management, Marketing, and Related Support Services, Other--5---
Business/Commerce, General---19--
Digital Marketing---1--
Finance, General---2--
Management Science----94-
Management Sciences and Quantitative Methods, Other----15-
Project Management0d-----
Research and Development Management0-----
Category total0d-528174-
Computer and Information Sciences and Support Services
Artificial Intelligence----26-
Computer Science---10447-
Category total---10473-
Education
Counselor Education/School Counseling and Guidance Services-2--16-
Education, General-1--17-
Educational Leadership and Administration, General-22----
Educational, Instructional, and Curriculum Supervision-----23
Elementary Education and Teaching-1--30-
Music Teacher Education----3-
Reading Teacher Education-3----
Secondary Education and Teaching-1--19-
Category total-30--8523
Engineering
Bioengineering and Biomedical Engineering----14-
Computer Engineering, General---261
Electrical and Electronics Engineering---32-
Mechanical Engineering---127-
Category total---17291
Engineering/Engineering-related Technologies/Technicians
Computer Engineering Technology/Technician---1--
Engineering/Industrial Management----200
Category total---1200
English Language and Literature/Letters
English Language and Literature, General---0--
Category total---0--
Family and Consumer Sciences/Human Sciences
Human Nutrition----76-
Category total----76-
Health Professions and Related Programs
Acupuncture and Oriental Medicine----11-
Chiropractic-----42
Clinical Laboratory Science/Medical Technology/Technologist---11--
Dental Hygiene/Hygienist--333413-
Health Professions and Related Clinical Sciences, Other---36-12
Nursing Administration----2d-
Physician Assistant----38-
Public Health, General----40-
Registered Nursing/Registered Nurse---128--
Traditional Chinese Medicine and Chinese Herbology----01
Category total--33209104d55
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Criminal Justice/Safety Studies---174-
Category total---174-
Liberal Arts and Sciences, General Studies and Humanities
General Studies--028--
Liberal Arts and Sciences/Liberal Studies---5--
Category total--033--
Mathematics and Statistics
Financial Mathematics---2--
Mathematics, General---0--
Category total---2--
Parks, Recreation, Leisure, Fitness, and Kinesiology
Sport and Fitness Administration/Management---5--
Category total---5--
Psychology
Psychology, General---34--
Category total---34--
Public Administration and Social Service Professions
Human Services, General---16--
Category total---16--
Social Sciences
International Relations and Affairs-0--2-
Category total-0--2-
Visual and Performing Arts
Industrial and Product Design---2--
Interior Design---1--
Music, General---5--
Category total---8--
Grand total0303838997179
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)
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: 12 Post-9/11 GI Bill Benefits - graduates: 16
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: $14,020 Post-9/11 GI Bill Benefits - graduates: $12,988
open-close Varsity Athletic Teams
Athletics Participation
  • Sanction Body: NCAA Division II without football
Varsity Men's and Women's TeamsMenWomen
All Track Combined1827
Baseball41–
Basketball2818
Gymnastics–24
Lacrosse3020
Soccer2835
Softball–20
Volleyball–15
open-close Accreditation
Institutional Accreditation
AccreditorStatusNext Review Date
New England Commission of Higher EducationAccredited since (12/01/1951)06/30/2025
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
Accreditation Commission for Acupuncture and Herbal Medicine
Acupuncture (ACUP) - Professional master's degree and professional master's level certificate and diploma programs in acupuncture and oriental medicineAccredited since (08/11/2007)02/28/2026
Acupuncture (ACUP) - Professional master's degree and professional master's level certificate and diploma programs in acupuncture and oriental medicinePreaccredited (05/08/2005 - 08/11/2007)
Master's Degree- Oriental Medicine in English (MDOME)Accredited since (02/27/2016)03/31/2019
Commission on Collegiate Nursing Education
Nursing (CNURED) - Nursing education programs at the baccalaureate degree levelsAccredited since (10/03/2016)12/31/2031
Nursing (CNURED) - Nursing education programs at the graduate degree levelsAccredited since (09/13/2021)12/31/2026
Council on Chiropractic Education, Commission on Accreditation
Chiropractic (CHIRO) - Programs leading to the D.C. degreeAccredited since ((!)06/01/1994)07/15/2020
Council on Naturopathic Medical Education
Naturopathy (NATUR) - Programs leading to the N.D. or N.M.D. degreeAccredited (03/11/2006 - 05/31/2022)
  • (!) 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/108029.
open-close Campus Security and Safety
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape010
d. Fondling101
e. Incest000
f. Statutory Rape000
g. Robbery010
h. Aggravated assault100
i. Burglary1132
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence100
b. Dating violence223
c. Stalking304
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 violations42127
c. Liquor law violations22919
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. Rape010
d. Fondling101
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary201
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence100
b. Dating violence212
c. Stalking101
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 violations40127
c. Liquor law violations22919
  • 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%2.9%
Number in default0041
Number in repayment1,3041,2571,396
Aid Programs
  • Federal Direct Loan (Direct Loan)