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IPEDS ID: 173045
OPE ID: 00233400
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Augsburg University
2211 Riverside Ave, Minneapolis, Minnesota 55454
Información General:  (612) 330-1000
Página de Internet:  www.augsburg.edu
Tipo:  4-años, Privada sin fines de lucro
Títulos Ofrecidos:  Certificado de un o menos de dos años
Licenciatura
Certificado de pos-licenciatura
Maestría
Doctorado - profesional
Ubicación del Campus:  Ciudad: Grande
Dormitorios:  
Población Estudiantil:  3,419 (2,343 subgraduado)
Student-to-faculty ratio:  12 to 1
Clasificación Carnegie
Master's Colleges & Universities: Larger Programs
Afiliación Religiosa
Evangelical Lutheran Church
Ayuda Federal
Estudiantes elegibles pueden recibir Becas Pell y otra ayuda federal (por ejemplo, Préstamos Directos "Direct Loans").
Undergraduate students enrolled who are formally registered with office of disability services
3% or less
Oportunidades de Aprendizaje Especial
ROTC (Centro de Entrenamiento de Oficiales de Reserva) – Army (Ejército), Air Force (Fuerza Aérea)
Certificación de Profesor
Distance education – undergraduate courses offered, programs not offered
Distance education – graduate courses offered, programs not offered
Estudio en el extranjero
Institución de fin de semana/noche
Servicios Estudiantiles
Servicios de refuerzo
Servicio de consejería académica/profesional
Servicios de empleo para estudiantes
Servicios de colocación para los que completen
Crédito Aceptado
Doble Crédito
Crédito por Experiencias
Créditos de Colocación Avanzada
Faculty and graduate assistants by primary function, Fall 2018Full timePart time
Total faculty175201
Instructional175201
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.
Gastos Detallados2015-20162016-20172017-20182018-2019% change 2017-2018 to 2018-2019
Matrícula y cuotas$35,465$36,415$37,600$38,8003.2%
Libros y materiales$1,200$1,200$1,200$1,2000.0%
Planes de alojamiento
En el Campus
Alojamiento y comida$9,380$9,628$9,940$10,2803.4%
Otros$2,500$2,500$2,500$2,5000.0%
Fuera del Campus
Alojamiento y comida$15,960$17,358$17,692$16,262-8.1%
Otros$2,500$2,500$2,500$2,5000.0%
Fuera del Campus con Familia
Otros$4,000$4,000$4,000$4,0000.0%
Gastos totales2015-20162016-20172017-20182018-2019% change 2017-2018 to 2018-2019
En el Campus$48,545$49,743$51,240$52,7803.0%
Fuera del Campus$55,125$57,473$58,992$58,762-0.4%
Fuera del Campus con Familia$40,665$41,615$42,800$44,0002.8%
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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 room and board, books and supplies, &c. (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 year2018-2019
Tuition$13,124
Fees$0
Alternative Tuition Plans
Type of PlanOffered
Tuition guarantee plan
Prepaid tuition plan
Tuition payment planX
Other alternative tuition plan
Undergraduate Student Financial Aid, 2017-2018
Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Type of AidNumber receiving aidPercent receiving aidTotal amount of aid receivedAverage amount of aid received
Any student financial aid1433100%————
Grant or scholarship aid433100%$11,542,737$26,658
Federal grants22351%$1,179,013$5,287
Pell grants22251%$1,047,531$4,719
Other federal grants4410%$131,482$2,988
State/local government grant or scholarships28265%$1,517,051$5,380
Institutional grants or scholarships433100%$8,846,673$20,431
Student loan aid37586%$2,811,242$7,497
Federal student loans32074%$2,105,957$6,581
Other student loans5513%$705,285$12,823
  • 1 Includes students receiving Federal work study aid and aid from other sources not listed above.
All Undergraduate Students
Type of AidNumber receiving aidTotal amount of aid receivedAverage amount of aid received
Grant or scholarship aid12,152$51,371,493$23,872
Pell grants1,098$5,008,155$4,561
Federal student loans1,697$13,833,640$8,152
  • 1 Grant or scholarship aid includes aid received, from the federal government, state or local government, the institution, and other sources known by the institution.

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.
2015-20162016-20172017-2018
Average net price$24,394$24,020$24,608
Full-time beginning undergraduate students who were awarded Title IV aid by income.
Average net price by Income2015-20162016-20172017-2018
$0 – $30,000$17,192$18,640$19,943
$30,001 – $48,000$17,674$19,225$19,149
$48,001 – $75,000$18,843$20,858$20,827
$75,001 – $110,000$24,923$25,176$25,114
$110,001 and more$29,222$31,162$30,987
  • 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 room and board 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 who received 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
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Otoño 2018
Matrícula total3,419
Matrícula de subgraduados2,343
Undergraduate transfer-in enrollment262
Graduate enrollment1,076
Estatus de Asistencia SubgraduadaGénero del Subgraduado
Estatus de Asistencia Subgraduada:
Tiempo completo: 85%
Tiempo parcial: 15%Género del Subgraduado:
Hombre: 46%
Mujer: 54%
Raza/origen del Subgraduado
Raza/origen del Subgraduado:
Nativo Americano/Nativo de Alaska: 1%
Asiático: 10%
Afro-Americano no Hispano: 16%
Hispano: 9%
Isleño del Pacífico: 0%
Caucásico no Hispano: 46%
Two or more races: 5%
Raza/origen desconocido: 10%
Extranjero no-residente: 3%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age:
24 and under: 80%
25 and over: 20%
Age unknown: 0%Undergraduate Student Residence:
In-state: 87%
Out-of-state: 11%
Foreign countries: 2%
Unknown: 0%
  • Age data are reported for Otoño 2017.
  • Residence data are reported for first-time degree/certificate-seeking undergraduates.
Graduate Attendance Status
Graduate Attendance Status:
Tiempo completo: 70%
Tiempo parcial: 30%
Undergraduate Distance Education StatusGraduate Distance Education Status
Undergraduate Enrollment by Distance Education Status:
Enrolled only in distance education: 0%
Enrolled in some distance education: 5%
Not enrolled in any distance education: 95%Graduate Enrollment by Distance Education Status:
Enrolled only in distance education: 4%
Enrolled in some distance education: 1%
Not enrolled in any distance education: 95%
Admisión de Subgraduados Otoño 2018
TotalHombreMujer
Número de aplicantes2,0208931,127
Porcentaje admitido69%66%71%
Porcentaje admitido matriculado30%35%26%
Consideraciones para AdmisiónRequerido(a)Recomendado(a)Considered but not required
GPA (calificación media) de la escuela secundariaX
Historial de la escuela secundariaX
Finalización de programa de preparación universitariaX
RecomendacionesX
Puntuaciones del SAT/ACTX
TOEFL (Test of English as a Foreign language/Prueba de Inglés como Idioma Extranjero)X
Puntuaciones: Otoño 2018 (estudiantes primerizos matriculados)
Puntuaciones sometidas de Estudiantes NúmeroPorcentaje
SAT143%
ACT39795%
Resultados de Examen25to Porcentaje*75to Porcentaje**
NOTAS:
*  25% de los estudiantes calificaron o por debajo
** 25% de los estudiantes calificaron o sobre
  • Los datos aplican para estudiantes que buscan su primer grado/certificado.
  • Se solicita a las instituciones reportar estas puntuaciones solamente si se requieren para admisión.
SAT Evidence-Based Reading and Writing578695
SAT Math595630
ACT Composite1924
ACT English1723
ACT Math1724
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:
Estudiantes a tiempo completo: 72%
Percentage of Students Who Began Their Studies in Fall 2017 and Returned in Fall 2018
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.

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 2018.

Overall Graduation and Transfer-Out Rates for Students Who Began Their Studies in Fall 2012
Índice total de graduación:
Índice total de graduación: 64%
(*) Índice de transferencias:
Percentage of Full-time, First-Time Students Who Graduated or Transferred Out Within 150% of "Normal Time" to Completion for Their Program
  • (*) Not all institutions report transfer-out rates.
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
Índice de licenciaturas:
[Began in Fall 2010]
4-años: 43%
6-años: 57%
8-años: 60%
[Began in Fall 2012]
4-años: 49%
6-años: 64%
Percentage of Full-time, First-time Students Who Graduated in the Specified Amount of Time and Began in Fall 2010 or Fall 2012
6-Year Graduation Rate by Gender for Students Pursuing Bachelor's Degrees
6-Year Graduation Rate by Gender for Students Pursuing Bachelor's Degrees:
Hombre: 62%
Mujer: 66%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2012 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:
Nativo Americano/Nativo de Alaska: 75%
Asiático: 71%
Afro-Americano no Hispano: 54%
Hispano: 50%
Isleño del Pacífico: 100%
Caucásico no Hispano: 64%
Two or more races: 60%
Raza/origen desconocido: 75%
Extranjero no-residente: 60%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2012 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 2010-11
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 59%
Enrolled at same institution: 2%
Enrolled at different institution: 6%
[Pell]
Received a Bachelor's degree: 51%
Enrolled at same institution: 2%
Enrolled at different institution: 5%
[Non-Pell]
Received a Bachelor's degree: 67%
Enrolled at same institution: 2%
Enrolled at different institution: 6%
PART-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2010-11
Award and enrollment rate:
Received a Bachelor's degree: 0%
Enrolled at same institution: 0%
Enrolled at different institution: 20%
FULL-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2010-11
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 70%
Enrolled at same institution: 3%
Enrolled at different institution: 2%
[Pell]
Received a Bachelor's degree: 67%
Enrolled at same institution: 3%
Enrolled at different institution: 2%
[Non-Pell]
Received a Bachelor's degree: 73%
Enrolled at same institution: 2%
Enrolled at different institution: 1%
PART-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2010-11
Award and enrollment rate:
[All students]
Received a Bachelor's degree: 41%
Enrolled at same institution: 1%
Enrolled at different institution: 0%
[Pell]
Received a Bachelor's degree: 38%
Enrolled at same institution: 0%
Enrolled at different institution: 0%
[Non-Pell]
Received a Bachelor's degree: 42%
Enrolled at same institution: 1%
Enrolled at different institution: 0%
Finalización (Number of awards conferred) 2017-2018
Completions are the number of awards conferred by program and award level.
clasificar porProgramaLicenciaturaMaestríaDoctoradoUndergraduate
Certificate
Postgraduate
Certificate
  • Los datos mostrados son para primeras especializaciones.
  • (-) Program is not offered at this award level.
Area, Ethnic, Cultural, Gender and Group Studies
American Indian/Native American Studies1----
Area Studies, Other0----
Women's Studies4----
Total de categorías5----
Biological And Biomedical Sciences
Biology/Biological Sciences, General27----
Biophysics0----
Total de categorías27----
Business, Management, Marketing, and Related Support Services
Accounting15----
Accounting and Business/Management0----
Business Administration and Management, General29118---
Business Administration, Management and Operations, Other5----
Entrepreneurship/Entrepreneurial Studies---0-
Finance, General14----
International Business/Trade/Commerce5----
Management Information Systems and Services, Other1----
Management Information Systems, General11----
Marketing/Marketing Management, General29----
Organizational Leadership-27--1
Total de categorías109145-01
Communication, Journalism, and Related Programs
Communication and Media Studies, Other1----
Digital Communication and Media/Multimedia1----
Mass Communication/Media Studies2----
Organizational Communication, General0----
Public Relations, Advertising, and Applied Communication0----
Speech Communication and Rhetoric26----
Total de categorías30----
Computer and Information Sciences and Support Services
Computer Science21----
Total de categorías21----
Education
Art Teacher Education0----
Education, General2----
Education/Teaching of Individuals with Emotional Disturbances1----
Education/Teaching of Individuals with Specific Learning Disabilities0----
Elementary Education and Teaching19----
Health Teacher Education1----
Music Teacher Education2----
Physical Education Teaching and Coaching6----
Reading Teacher Education0----
Secondary Education and Teaching1----
Special Education and Teaching, General10----
Teacher Education and Professional Development, Specific Levels and Methods, Other-78---
Teacher Education and Professional Development, Specific Subject Areas, Other2----
Teaching English as a Second or Foreign Language/ESL Language Instructor4----
Total de categorías4878---
English Language and Literature/Letters
Creative Writing1610---
English Language and Literature, General9----
English Language and Literature/Letters, Other0----
Rhetoric and Composition/Writing Studies, Other0----
Total de categorías2510---
Foreign Languages, Literatures, and Linguistics
French Language and Literature0----
German Language and Literature0----
Norwegian Language and Literature0----
Spanish Language and Literature1----
Total de categorías1----
Health Professions and Related Programs
Family Practice Nurse/Nursing--0--
Music Therapy/Therapist80---
Nursing Administration77----
Nursing Practice--22--
Physician Assistant-28---
Registered Nursing, Nursing Administration, Nursing Research and Clinical Nursing, Other-7---
Total de categorías853522--
History
History, General4----
Total de categorías4----
Liberal Arts and Sciences, General Studies and Humanities
Liberal Arts and Sciences, General Studies and Humanities, Other4----
Liberal Arts and Sciences/Liberal Studies1----
Total de categorías5----
Mathematics and Statistics
Mathematics, General9----
Total de categorías9----
Multi/Interdisciplinary Studies
Biopsychology7----
Medieval and Renaissance Studies0----
Total de categorías7----
Natural Resources and Conservation
Environmental Studies2----
Total de categorías2----
Parks, Recreation, Leisure, and Fitness Studies
Kinesiology and Exercise Science17----
Total de categorías17----
Philosophy and Religious Studies
Philosophy3----
Religion/Religious Studies3----
Total de categorías6----
Physical Sciences
Chemistry, General15----
Physics, General5----
Physics, Other0----
Total de categorías20----
Psychology
Clinical Psychology5----
Psychology, General25----
Psychology, Other3----
Social Psychology0----
Total de categorías33----
Public Administration and Social Service Professions
Social Work18----
Social Work, Other-55---
Total de categorías1855---
Social Sciences
Applied Economics0----
Economics, General6----
Economics, Other9----
International Relations and Affairs4----
Political Economy0----
Political Science and Government, General8----
Sociology10----
Urban Studies/Affairs2----
Total de categorías39----
Theology and Religious Vocations
Theology and Religious Vocations, Other0----
Youth Ministry3----
Total de categorías3----
Visual and Performing Arts
Acting2----
Art History, Criticism and Conservation3----
Design and Applied Arts, Other---0-
Directing and Theatrical Production5----
Drama and Dramatics/Theatre Arts, General0----
Film/Cinema/Video Studies4----
Fine/Studio Arts, General5----
Graphic Design6--0-
Music Management4----
Music Performance, General0----
Music, General2----
Technical Theatre/Theatre Design and Technology3----
Total de categorías34--0-
Gran total5483232201
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
Member of Servicemembers Opportunity Colleges
Tuition policies specifically for Veterans and Servicemembers
Educational Benefits, 2017-2018
Number of students receiving benefits/assistance
Number of students receiving benefits/assistance:
Post-9/11 GI Bill Benefits - undergraduates: 24
Post-9/11 GI Bill Benefits - graduates: 25
DoD Tuition Assistance Program - undergraduates: 7
DoD Tuition Assistance Program - graduates: 1
Average amount of benefits/assistance awarded through the institution (*)
Average amount of benefits/assistance awarded through the institution:
Post-9/11 GI Bill Benefits - undergraduates: $15,924
Post-9/11 GI Bill Benefits - graduates: $6,838
DoD Tuition Assistance Program - undergraduates: $3,429
  • (*) One or more average amounts of benefits/assistance are withheld to preserve the privacy of individuals.
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: 75%
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
2017-2018 Atletas Universitarios
NCAA Division III with footballHombresMujeres
All Track Combined4937
Baseball35
Basketball1813
Football85
Golf97
Ice Hockey2722
Lacrosse24
Soccer3522
Softball15
Swimming and Diving9
Volleyball18
Wrestling35
Acreditación Institucional
AccreditorStatusNext Review Date
Higher Learning CommissionAccredited since ((!)01/01/1954)08/31/2025
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
Commission on Collegiate Nursing Education
Nursing (CNDNP) - Nursing education programs at the doctorate degree levelsAccredited since (02/28/2011)TBD
Nursing (CNURED) - Nursing education programs at the baccalaureate degree levelsAccredited since (10/09/2004)12/31/2019
Nursing (CNURED) - Nursing education programs at the graduate degree levelsAccredited since (04/20/2002)06/01/2026
National Association of Schools of Music, Commission on Accreditation
Music (MUS) - Institutions and units within institutions offering degree-granting and/or non-degree-granting programsAccredited (09/01/1985 - 08/01/2014)
 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 (01/01/1960)06/20/2013
  • (!) Fecha estimada
  • 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/123466.
2016 Estadísticas Criminales
Arrestos - en el Campus201420152016
Posesión ilegal de armas000
Violaciones a la ley de drogas000
Violaciones a la ley de bebidas alcohólicas101
Arrestos - Dormitorios en el Campus !201420152016
Posesión ilegal de armas000
Violaciones a la ley de drogas000
Violaciones a la ley de bebidas alcohólicas000
Ofensas Criminales - en el Campus 201420152016
Asesinato/homicidio no negligente 000
Homicidio negligente000
Rape655
Fondling000
Incest000
Statutory rape000
Asalto210
Agresión agravada000
Robo113
Robo de vehículos de motor431
Incendio provocado000
Ofensas Criminales - Dormitorios en el Campus !201420152016
Asesinato/homicidio no negligente 000
Homicidio negligente000
Rape625
Fondling000
Incest000
Statutory rape000
Asalto100
Agresión agravada000
Robo112
Robo de vehículos de motor000
Incendio provocado000
  • (!) Los dormitorios son un subconjunto de las estadísticas dentro del campus.
  • Los datos criminales reportados por las instituciones no han sido sometidos a verificación independiente por el Departamento de Educación de los Estados Unidos. Por lo tanto, el Departamento no puede responder for la presición de los datos reportados.
  • Estos datos no incluyen incidentes que: (a) ocurrieron fuera del campus en propiedad pública contigua y accesible al Campus; (b) ocurrieron en un edificio o propiedad no correspondiente al campus o propiedad adueñada o controlada por una organización estudiantil oficialmente reconocida por la institución; o (c) incidentes en edificios/propiedades adueñadas o controladas por una institución pero no contigua a la institución. Para más información, visita http://ope.ed.gov/security.
Three-year Official Cohort Default Rates
Fiscal Year201520142013
Default rate3.5%5.1%5.2%
Number in default375660
Number in repayment1,0391,0811,137
Aid Programs
  • Federal Direct Loan (Direct Loan)