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IPEDS ID: 163046
OPE ID: 00207800
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Loyola University Maryland
4501 N Charles St, Baltimore, Maryland 21210-2699
General information:  (410) 617-2000
Website:  www.loyola.edu/
Type:  4-year, Private not-for-profit
Awards offered:  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: Large
Campus housing:  Yes
Student population:  5,238 (3,977 undergraduate)
Student-to-faculty ratio:  13 to 1
Special Learning Opportunities
Distance education – undergraduate courses offered, programs not 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
16.00%
Carnegie Classification
Master's Colleges & Universities: Larger 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
Continuing Professional Education
Credit Accepted
Advanced placement (AP) credits
Faculty and graduate assistants by primary function, Fall 2022Full timePart time
Total faculty328119
Instructional328119
Research and public service00
Total graduate assistants-0
Instructional-0
Research-0
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$50,400$52,130$53,430$55,4803.8%
Books and supplies$1,250$1,100$1,100$800-27.3%
Living arrangement
On Campus
Food and Housing$15,820$16,100$16,500$18,24010.5%
Other expenses$1,600$1,570$1,570$1,070-31.8%
Off Campus
Food and Housing$8,010$9,940$9,940$9,9800.4%
Other expenses$1,690$2,005$2,005$1,070-46.6%
Off Campus with Family
Other expenses$5,280$6,095$6,095$5,160-15.3%
Total Expenses2020-20212021-20222022-20232023-2024% change 2022-2023 to 2023-2024
On Campus$69,070$70,900$72,600$75,5904.1%
Off Campus$61,350$65,175$66,475$67,3301.3%
Off Campus with Family$56,930$59,325$60,625$61,4401.3%
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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$19,440
Fees$0
  • The Cost of Attendance or tuition and fee methodology changed from last year.; Additional context: Tuition is actual. On-campus housing is based on the average cost of all available housing. Food considers 21 meals per week. Actual costs may vary by student choices.
Alternative Tuition Plans and Promise Program
Type of PlanOffered
Tuition guarantee plan
Prepaid tuition plan
Tuition payment planX
Other alternative tuition plan
  • Participates in a Promise program
  • The Charm City Promise Program was established to recognize and support high-achieving students from Baltimore City public, charter, or Catholic high schools who demonstrate significant financial need. All eligible accepted students will receive a financial aid award that meets 100% of their demonstrated need toward Loyola’s full direct cost of attendance.
Undergraduate Student Financial Aid, 2021-2022
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 aid194799%————
Grant or scholarship aid94699%$34,643,788$36,621
Federal grants18019%$1,063,361$5,908
Pell grants17919%$909,261$5,080
Other federal grants12713%$154,100$1,213
State/local government grant or scholarships9110%$712,834$7,833
Institutional grants or scholarships94699%$32,867,593$34,744
Student loan aid53856%$5,128,206$9,532
Federal student loans52655%$2,806,083$5,335
Other student loans11712%$2,322,123$19,847
  • 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 aid13,63595%$117,747,836$32,393
Pell grants60816%$3,069,572$5,049
Federal student loans1,98352%$12,653,369$6,381
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.
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.
2019-20202020-20212021-2022
Average net price$37,375$32,901$33,312
Full-time beginning undergraduate students who were awarded Title IV aid by income.
Average net price by Income2019-20202020-20212021-2022
$0 – $30,000$27,197$21,444$23,406
$30,001 – $48,000$30,197$22,016$25,405
$48,001 – $75,000$29,885$24,723$24,427
$75,001 – $110,000$32,710$26,606$28,937
$110,001 and more$39,009$35,779$36,362
  • 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 Grant, Federal Supplemental Educational Opportunity Grant (FSEOG), Academic Competitiveness Grant (ACG), National Science and Mathematics Access to Retain Talent Grant (National SMART Grant), Teacher Education Assistance for College and Higher Education (TEACH) Grant, Federal Work-Study, Federal Perkins Loan, Subsidized Direct or FFEL Stafford Loan, and Unsubsidized Direct or FFEL Stafford Loan. For those Title IV recipients, net price is reported by income category and includes students awarded federal aid even if none of that aid was provided in the form of grants. While Title IV status defines the cohort of student for which the data are reported, the definition of net price remains the same – total cost of attendance minus grant aid.
Net Price Calculator
An institution’s net price calculator allows current and prospective students, families, and other consumers to estimate the net price of attending that institution for a particular student.
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Fall 2022
Total enrollment5,238
Undergraduate enrollment3,977
Undergraduate transfer-in enrollment54
Graduate enrollment1,261
Undergraduate Attendance StatusUndergraduate Student Gender
Undergraduate Attendance Status:
Full-time: 99%
Part-time: 1%Undergraduate Student Gender:
Male: 45%
Female: 55%
Undergraduate Race/ethnicity
Undergraduate Race/ethnicity:
American Indian or Alaska Native: 0%
Asian: 4%
Black or African American: 10%
Hispanic/Latino: 14%
Native Hawaiian or other Pacific Islander: 0%
White: 66%
Two or more races: 4%
Race/ethnicity unknown: 1%
U.S. Nonresident: 2%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age:
24 and under: 99%
25 and over: 1%
Age unknown: 0%Undergraduate Student Residence:
In-state: 36%
Out-of-state: 64%
Foreign countries: 0%
Unknown: 0%
  • Age data are reported for Fall 2021.
  • 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: 0%
Enrolled in some, but not all, distance education courses: 13%
Not enrolled in any distance education courses: 87%
Graduate Attendance Status
Graduate Attendance Status:
Full-time: 33%
Part-time: 67%
Graduate Distance Education Status
Graduate Enrollment by Distance Education Status:
Enrolled exclusively in distance education courses: 47%
Enrolled in some, but not all, distance education courses: 39%
Not enrolled in any distance education courses: 14%
Undergraduate application fee (2023-2024): $60
Undergraduate Admissions Fall 2022
TotalMaleFemale
Number of applicants9,6433,9085,735
Percent admitted83%84%83%
Percent admitted who enrolled16%18%14%
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 2022 (enrolled first-time students)
Students submitting scoresNumberPercent
SAT36929%
ACT595%
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 Writing600650690
SAT Math580620670
ACT Composite263033
ACT English253134
ACT Math242730
  • 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.
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: 85%
Part-time students: 100%
Percentage of Students Who Began Their Studies in Fall 2021 and Returned in Fall 2022
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, 95 percent of entering students were counted as "full-time, first-time" in 2022.

Overall Graduation and Transfer-Out Rates for Students Who Began Their Studies in Fall 2016
Overall graduation rate:
Overall graduation rate: 79%
Transfer-out rate: 5%
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 2014]
4-year: 77%
6-year: 81%
8-year: 82%
[Began in Fall 2016]
4-year: 75%
6-year: 79%
Percentage of Full-time, First-time Students Who Graduated in the Specified Amount of Time and Began in Fall 2014 or Fall 2016
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: 76%
Female: 81%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2016 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: 75%
Asian: 70%
Black or African American: 63%
Hispanic/Latino: 81%
Native Hawaiian or other Pacific Islander: 0%
White: 80%
Two or more races: 72%
Race/ethnicity unknown: 100%
U.S. Nonresident: 44%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2016 and Received a Degree or Award Within 150% of "Normal Time" to Completion for Their Program
  • 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 2014-15
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 82%
Enrolled at same institution: 0%
Enrolled at different institution: 16%
[Pell]
Received a Bachelor's degree: 84%
Enrolled at same institution: 0%
Enrolled at different institution: 16%
[Non-Pell]
Received a Bachelor's degree: 81%
Enrolled at same institution: 0%
Enrolled at different institution: 17%
PART-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2014-15
Award and enrollment rate:
Received a Bachelor's degree: 50%
Enrolled at same institution: 0%
Enrolled at different institution: 50%
FULL-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2014-15
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 80%
Enrolled at same institution: 0%
Enrolled at different institution: 14%
[Pell]
Received a Bachelor's degree: 64%
Enrolled at same institution: 0%
Enrolled at different institution: 21%
[Non-Pell]
Received a Bachelor's degree: 84%
Enrolled at same institution: 0%
Enrolled at different institution: 12%
PART-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2014-15
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 0%
Enrolled at same institution: 0%
Enrolled at different institution: 100%
[Pell]
Received a Bachelor's degree: 0%
Enrolled at same institution: 0%
Enrolled at different institution: 100%
[Non-Pell]
Received a Bachelor's degree: 0%
Enrolled at same institution: 0%
Enrolled at different institution: 100%
Completions (Number of awards conferred) 2022-2023
Completions are the number of awards conferred by program and award level.
sort byProgramPostgraduate
Certificate
BachelorMasterDoctor
  • 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-22--
Biology/Biological Sciences, General-56--
Category total-78--
Business, Management, Marketing, and Related Support Services
Accounting05126-
Business Administration and Management, General-220167-
Business/Commerce, General-0--
Business/Managerial Economics-1--
Finance, General-80-
International Business/Trade/Commerce-10-
Marketing/Marketing Management, General-9--
Organizational Leadership-1--
Social Entrepreneurship-7--
Category total0298193-
Communication, Journalism, and Related Programs
Digital Communication and Media/Multimedia--21d-
Speech Communication and Rhetoric-70--
Category total-7021d-
Computer and Information Sciences and Support Services
Computer and Information Systems Security/Auditing/Information Assurance0---
Computer Science-250-
Information Science/Studies-1310d-
Category total03810d-
Education
Counselor Education/School Counseling and Guidance Services0-46-
Curriculum and Instruction0-30-
Education, General--0-
Educational Leadership and Administration, General7-24-
Elementary Education and Teaching-20--
Montessori Teacher Education0-34-
Music Teacher Education--11-
Reading Teacher Education0-32-
Social and Philosophical Foundations of Education--0-
Special Education and Teaching, General0-0-
Special Education and Teaching, Other--0-
Teacher Education and Professional Development, Specific Levels and Methods, Other--19-
Teaching English as a Second or Foreign Language/ESL Language Instructor2d---
Technology Teacher Education/Industrial Arts Teacher Education--27-
Category total9d20223-
Engineering
Electrical and Electronics Engineering-0--
Engineering, General-380-
Category total-380-
English Language and Literature/Letters
Creative Writing-16--
English Language and Literature, General-15--
Category total-31--
Foreign Languages, Literatures, and Linguistics
Classics and Classical Languages, Literatures, and Linguistics, General-0--
French Language and Literature-0--
German Language and Literature-0--
Latin Language and Literature-1--
Spanish Language and Literature-0--
Category total-1--
Health Professions and Related Programs
Audiology/Audiologist and Speech-Language Pathology/Pathologist0-44-
Clinical Laboratory Science/Medical Technology/Technologist-0--
Clinical Pastoral Counseling/Patient Counseling0-00
Public Health Education and Promotion1---
Speech-Language Pathology/Pathologist-550-
Category total155440
History
History, General-7--
Category total-7--
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Forensic Science and Technology-159-
Category total-159-
Liberal Arts and Sciences, General Studies and Humanities
Liberal Arts and Sciences/Liberal Studies--0-
Category total--0-
Mathematics and Statistics
Applied Mathematics, General-4--
Statistics, General-1--
Category total-5--
Multi/Interdisciplinary Studies
Multi-/Interdisciplinary Studies, Other-54--
Category total-54--
Philosophy and Religious Studies
Philosophy-6--
Religion/Religious Studies-1--
Category total-7--
Physical Sciences
Chemistry, General-7--
Physics, General-2--
Category total-9--
Psychology
Clinical Psychology--1919
Counseling Psychology0-31-
Psychology, General0640-
Category total0645019
Social Sciences
Economics, General-15--
Political Science and Government, General-39--
Social Sciences, Other-18--
Sociology, General-13--
Category total-85--
Theology and Religious Vocations
Pastoral Studies/Counseling0-0-
Theology/Theological Studies0-13-
Category total0-13-
Visual and Performing Arts
Art History, Criticism and Conservation-4--
Art/Art Studies, General-0--
Fine Arts and Art Studies, Other-1--
Category total-5--
Grand total1088056319
Services and Programs for Servicemembers and Veterans
Yellow Ribbon Program (officially known as Post-9/11 GI Bill, Yellow Ribbon Program)
Dedicated point of contact for support services for veterans, military servicemembers, and their families
Recognized student veteran organization
Tuition policies specifically for Veterans and Servicemembers
Educational Benefits, 2021-2022
Number of students receiving benefits/assistance
Number of students receiving benefits/assistance:
Post-9/11 GI Bill Benefits - undergraduates: 35
Post-9/11 GI Bill Benefits - graduates: 0
DoD Tuition Assistance Program - undergraduates: 0
DoD Tuition Assistance Program - graduates: 13
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: $14,991
DoD Tuition Assistance Program - graduates: $4,320
Athletics Participation
  • Sanction Body: NCAA Division I without football
Varsity Men's and Women's TeamsMenWomen
Basketball1816
Golf12
Lacrosse5333
Rowing3649
Soccer3130
Swimming and Diving5649
Tennis1615
Track and Field, Indoor35
Track and Field, Outdoor35
Track and Field, X-Country1524
Volleyball14
Institutional Accreditation
AccreditorStatusNext Review Date
Middle States Commission on Higher EducationAccredited since (01/01/1931)01/01/2029
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
American Psychological Association, Commission on Accreditation
Clinical Psychology (CLPSYD) - PsyD Doctoral programsAccredited since (05/11/2000)12/31/2028
American Speech-Language-Hearing Association, Council on Academic Accreditation in Audiology and Speech-Language Pathology
Speech-Language Pathology (SLP) - Graduate degree programsAccredited since (04/01/1991)04/01/2027
 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 ((!)10/20/2002)TBD
  • (!) Estimated date
  • For more detailed information on accreditation for this institution, including all actions and justification for actions, visit OPE's Database of Accredited Postsecondary Institutions and Programs: ope.ed.gov/dapip/#/institution-profile/120157.
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape538
d. Fondling113
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary211
j. Motor vehicle theft011
k. Arson001
  • For the year 2019, line c. Rape, the updated count is 6 as a report was made in February of 2022 for an incident that occurred in November 2019.
VAWA Offenses201920202021
a. Domestic violence001
b. Dating violence203
c. Stalking506
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations000
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations378
c. Liquor law violations25693243
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. Rape538
d. Fondling103
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary210
j. Motor vehicle theft000
k. Arson001
  • For the year 2019, line c. Rape, the updated count is 6 as a report was made in February of 2022 for an incident that occurred in a residence hall in November 2019.
VAWA Offenses201920202021
a. Domestic violence001
b. Dating violence203
c. Stalking405
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations000
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations378
c. Liquor law violations24692239
  • 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.
Three-year Official Cohort Default Rates
Fiscal Year202020192018
Default rate0.0%0.7%1.9%
Number in default0923
Number in repayment1,1051,1761,171
Aid Programs
  • Federal Direct Loan (Direct Loan)