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IPEDS ID: 230597
OPE ID: 00367900
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Snow College
150 E College Ave, Ephraim, Utah 84627
General information:  (435) 283-7000
Website:  www.snow.edu/
Type:  4-year, primarily associate's, Public
Awards offered:  Less than one year certificate
One but less than two years certificate
Associate's degree
Bachelor's degree
Campus setting:  Town: Remote
Campus housing:  Yes
Student population:  5,506 (all undergraduate)
Student-to-faculty ratio:  21 to 1
Related Institutions:This is the parent institution of:
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open-close General Information
Admissionswww.snow.edu/admissions
Apply Onlineapply.snow.edu/
Financial Aidwww.snow.edu/finaid/
Net Price Calculatorwww.collegeraptor.com/Shopping/School/Snow-College-UT--230597
Tuition Policies for Servicemembers and Veteranswww.snow.edu/vets/
Disability Serviceswww.snow.edu/offices/ADA/index.html
Mission Statement
  www.snow.edu/offices/administration/mission.html
Special Learning Opportunities
Distance education – undergraduate programs offered
Student Services
Academic/career counseling service
Employment services for students
Placement services for completers
On-campus day care for students' children
Undergraduate students enrolled who are formally registered with office of disability services, Fall 2023
9.46%
High school students enrolled in college courses for credit, 2023-2024
2,205
Carnegie Classification
Baccalaureate/Associate's Colleges: Associate's Dominant
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
Occupational
Academic
Adult basic or high school equivalency
Secondary (high school)
Developmental
Noncredit education offered
Workforce Education
Contract Training/Customized Training
Recreational/Avocational/Leisure/Personal Enrichment
English as a Second Language
Credit Accepted
Credit for life experiences
Advanced placement (AP) credits
Faculty and graduate assistants by primary function, Fall 2023Full timePart time
Total faculty158150
Instructional158150
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
In-state$4,000$4,180$4,564$4,338-5.0%
Out-of-state$13,476$14,130$14,130$14,2881.1%
Books and supplies$1,000$1,000$1,000$1,45045.0%
Living arrangement
On Campus
Food and Housing$4,232$5,050$5,050$5,1001.0%
Other expenses$3,000$3,000$3,000$1,400-53.3%
Off Campus
Food and Housing$4,000$4,000$4,000$5,10027.5%
Other expenses$3,000$3,000$3,000$1,400-53.3%
Off Campus with Family
Food and Housing---$5,100 -
Other expenses$3,000$3,000$3,000$1,400-53.3%
Total Expenses2021-20222022-20232023-20242024-2025% change 2023-2024 to 2024-2025
In-state
On Campus$12,232$13,230$13,614$12,288-9.7%
Off Campus$12,000$12,180$12,564$12,288-2.2%
Off Campus with Family$8,000$8,180$8,564$7,188-16.1%
Out-of-state
On Campus$21,708$23,180$23,180$22,238-4.1%
Off Campus$21,476$22,130$22,130$22,2380.5%
Off Campus with Family$17,476$18,130$18,130$17,138-5.5%
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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
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
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 aid11,33982%————
Grant or scholarship aid1,25977%$6,358,289$5,050
Federal grants57635%$4,511,614$7,833
Pell grants53333%$4,483,825$8,412
Other federal grants433%$27,789$646
State/local government grant or scholarships19412%$209,258$1,079
Institutional grants or scholarships91356%$1,637,417$1,793
Student loan aid34621%$1,688,464$4,880
Federal student loans34621%$1,688,464$4,880
Other student loans00%$0—
  • 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 aid12,49368%$14,927,262$5,988
Pell grants1,25234%$10,475,076$8,367
Federal student loans74620%$4,131,860$5,539
Non-degree/non-certificate-seeking
Grant or scholarship aid1773%$206,380$2,680
  • 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 paid the in-state or in-district tuition rate and were awarded grant or scholarship aid from federal, state or local governments, or the institution.
2020-20212021-20222022-2023
Average net price$7,711$8,576$7,258
Full-time beginning undergraduate students who paid the in-state or in-district tuition rate and were awarded Title IV aid by income.
Average net price by Income2020-20212021-20222022-2023
$0 – $30,000$7,669$8,125$5,671
$30,001 – $48,000$5,234$6,241$2,950
$48,001 – $75,000$7,296$7,683$5,202
$75,001 – $110,000$9,000$10,001$9,432
$110,001 and more$9,884$10,883$10,636
  • 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 (lower of in-district or in-state), 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
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open-close Enrollment
Fall 2023
Total enrollment (all undergraduate)5,506
Undergraduate transfer-in enrollment69
Attendance StatusStudent Gender
Attendance Status: Full-time: 58% Part-time: 42%Student Gender: Male: 45% Female: 55%
Student Race/ethnicity
Student Race/ethnicity: American Indian or Alaska Native: 1% Asian: 0% Black or African American: 2% Hispanic/Latino: 12% Native Hawaiian or other Pacific Islander: 1% White: 76% Two or more races: 3% Race/ethnicity unknown: 0% U.S. Nonresident: 5%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age: 24 and under: 94% 25 and over: 6% Age unknown: 0%Undergraduate Student Residence: In-state: 79% Out-of-state: 13% Foreign countries: 8% 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: 24% Enrolled in some, but not all, distance education courses: 24% Not enrolled in any distance education courses: 52%
open-close Admissions
Undergraduate application fee (2024-2025): $30
  • This institution has an open admission policy. Contact the institution for more information.
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: 40%
Percentage of Students Who Began Their Studies in Fall 2022 and Returned in Fall 2023
Overall Graduation Rate and Transfer-Out Rate

The overall graduation rate is also known as the "Student Right to Know" or IPEDS graduation rate. It tracks the progress of students who began their studies as full-time, first-time degree- or certificate-seeking students to see if they complete a degree or other award such as a certificate within 150% of "normal time" for completing the program in which they are enrolled.

Some institutions also report a transfer-out rate, which is the percentage of the full-time, first-time students who transferred to another institution without completing at the current institution.

Note that not all students at the institution are tracked for these rates. Students who have already attended another postsecondary institution, or who began their studies on a part-time basis, are not tracked for this rate. At this institution, 85 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: 47% Transfer-out rate: 4%
Percentage of Full-time, First-Time Students Who Graduated or Transferred Out Within 150% of "Normal Time" to Completion for Their Program
Overall graduation rate by gender
Overall graduation rate by gender: Male: 31% Female: 58%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2017 and Graduated Within 150% of "Normal Time" to Completion for Their Program
Overall graduation rate by race/ethnicity
Overall graduation rate by race/ethnicity: American Indian or Alaska Native: 19% Asian: 38% Black or African American: 31% Hispanic/Latino: 40% Native Hawaiian or other Pacific Islander: 17% White: 50% Two or more races: 0% Race/ethnicity unknown: 25% U.S. Nonresident: 42%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2017 and Graduated Within 150% of "Normal Time" to Completion for Their Program
open-close Outcome Measures
  • Alternative measures of student success are reported by degree-granting institutions to describe the outcomes of degree/certificate-seeking undergraduate students who are not only first-time, full-time students, but also part-time attending and non-first-time (transfer-in) students. These measures are also reported for students receiving Pell grants and those students that do not receive Pell grants. These measures provide the 8-year award-completion rates by award level (certificates, associate's and bachelor degrees) after entering an institution. For students who did not earn any undergraduate award after 8-years of entry, the enrollment statuses are reported as either still enrolled at the institution, or subsequently transferred out of the institution. Unlike the Graduation Rates data, all reporting institutions must report on their transfer outs regardless if the institution has a mission that provides substantial transfer preparation.
FULL-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate: [All students] Received a certificate: 2% Received an Associate's degree: 44% Received a Bachelor's degree: 1% Enrolled at same institution: 0% Enrolled at different institution: 31% [Pell] Received a certificate: 2% Received an Associate's degree: 39% Received a Bachelor's degree: 1% Enrolled at same institution: 0% Enrolled at different institution: 36% [Non-Pell] Received a certificate: 1% Received an Associate's degree: 47% Received a Bachelor's degree: 1% Enrolled at same institution: 0% Enrolled at different institution: 29%
PART-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate: [All students] Received a certificate: 1% Received an Associate's degree: 8% Received a Bachelor's degree: 0% Enrolled at same institution: 1% Enrolled at different institution: 37% [Pell] Received a certificate: 0% Received an Associate's degree: 17% Received a Bachelor's degree: 0% Enrolled at same institution: 0% Enrolled at different institution: 34% [Non-Pell] Received a certificate: 1% Received an Associate's degree: 6% Received a Bachelor's degree: 0% Enrolled at same institution: 1% Enrolled at different institution: 37%
FULL-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate: [All students] Received a certificate: 0% Received an Associate's degree: 65% Received a Bachelor's degree: 0% Enrolled at same institution: 2% Enrolled at different institution: 30% [Pell] Received a certificate: 0% Received an Associate's degree: 74% Received a Bachelor's degree: 0% Enrolled at same institution: 5% Enrolled at different institution: 21% [Non-Pell] Received a certificate: 0% Received an Associate's degree: 58% Received a Bachelor's degree: 0% Enrolled at same institution: 0% Enrolled at different institution: 38%
PART-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2015-16
Award and enrollment rate: [All students] Received a certificate: 8% Received an Associate's degree: 31% Received a Bachelor's degree: 0% Enrolled at same institution: 0% Enrolled at different institution: 42% [Pell] Received a certificate: 14% Received an Associate's degree: 43% Received a Bachelor's degree: 0% Enrolled at same institution: 0% Enrolled at different institution: 29% [Non-Pell] Received a certificate: 5% Received an Associate's degree: 26% Received a Bachelor's degree: 0% Enrolled at same institution: 0% Enrolled at different institution: 47%
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		AssociateBachelor
  • 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.
Agricultural/Animal/Plant/Veterinary Science and Related Fields
Agribusiness/Agricultural Business Operations00-
Agricultural Business and Management, General-6-
Agricultural Business Technology/Technician-18-
Agricultural Mechanics and Equipment/Machine Technology/Technician00-
Animal Sciences, General-12-
Farm/Farm and Ranch Management-2-
Horse Husbandry/Equine Science and Management42-
Pre-Veterinary Studies-7-
Category total447-
Biological and Biomedical Sciences
Biology/Biological Sciences, General-12-
Category total-12-
Business, Management, Marketing, and Related Support Services
Accounting27-
Business Administration and Management, General-7-
Business Administration, Management and Operations, Other-0-
Business/Commerce, General-99-
Entrepreneurship/Entrepreneurial Studies10-
Marketing/Marketing Management, General418-
Category total7131-
Communication, Journalism, and Related Programs
Communication, General718-
Journalism-1-
Category total719-
Computer and Information Sciences and Support Services
Computer and Information Systems Security/Auditing/Information Assurance3--
Computer Science-13-
Computer Systems Networking and Telecommunications8--
Network and System Administration/Administrator0--
System, Networking, and LAN/WAN Management/Manager02-
Category total1115-
Construction Trades
Construction Trades, General16-
Category total16-
Culinary, Entertainment, and Personal Services
Cosmetology/Cosmetologist, General225-
Nail Technician/Specialist and Manicurist19--
Category total415-
Education
Early Childhood Education and Teaching-16-
Education, General-11-
Elementary Education and Teaching-22-
Family and Consumer Sciences/Home Economics Teacher Education-0-
Physical Education Teaching and Coaching-8-
Secondary Education and Teaching-3-
Special Education and Teaching, General-5-
Teaching English as a Second or Foreign Language/ESL Language Instructor45-
Category total470-
Engineering
Civil Engineering, General-1-
Computer Software Engineering-45
Electrical and Electronics Engineering-1-
Engineering, General-37-
Industrial Engineering-0-
Materials Engineering11--
Mechanical Engineering-14-
Category total11575
Engineering/Engineering-related Technologies/Technicians
Composite Materials Technology/Technician0--
Manufacturing Engineering Technology/Technician245-
Mechanical/Mechanical Engineering Technology/Technician-0-
Category total245-
English Language and Literature/Letters
English Language and Literature, General-13-
Category total-13-
Family and Consumer Sciences/Human Sciences
Family and Community Services-1-
Family and Consumer Sciences/Human Sciences, General117-
Foods, Nutrition, and Wellness Studies, General-9-
Category total127-
Foreign Languages, Literatures, and Linguistics
Foreign Languages and Literatures, General-2-
Spanish Language and Literature-2-
Category total-4-
Health Professions and Related Programs
Athletic Training/Trainer-2-
Dental Hygiene/Hygienist-24-
Health/Medical Preparatory Programs, Other-4-
Medical Staff Services Technology/Technician-0-
Nursing Assistant/Aide and Patient Care Assistant/Aide104--
Pharmacy Technician/Assistant0--
Physical Therapy/Therapist-21-
Pre-Dentistry Studies-1-
Pre-Medicine/Pre-Medical Studies-18-
Pre-Pharmacy Studies-4-
Pre-Physical Therapy Studies-0-
Pre-Physician Assistant-0-
Public Health, General-13-
Registered Nursing/Registered Nurse-54-
Category total104141-
History
History, General-6-
Category total-6-
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Criminal Justice and Corrections, General-24-
Category total-24-
Legal Professions and Studies
Pre-Law Studies-3-
Category total-3-
Liberal Arts and Sciences, General Studies and Humanities
General Studies76d248d-
Category total76d248d-
Mathematics and Statistics
Mathematics, General-3-
Category total-3-
Mechanic and Repair Technologies/Technicians
Automobile/Automotive Mechanics Technology/Technician510-
Diesel Mechanics Technology/Technician333-
Heating, Air Conditioning, Ventilation and Refrigeration Maintenance Technology/Technician1--
Industrial Mechanics and Maintenance Technology/Technician85-
Category total938-
Natural Resources and Conservation
Natural Resources/Conservation, General217-
Category total217-
Parks, Recreation, Leisure, Fitness, and Kinesiology
Outdoor Education0--
Parks, Recreation, and Leisure Facilities Management, General03-
Category total03-
Philosophy and Religious Studies
Philosophy-1-
Category total-1-
Physical Sciences
Chemistry, General-4-
Geology/Earth Science, General-5-
Physics, General-0-
Category total-9-
Precision Production
Computer Numerically Controlled (CNC) Machinist Technology/CNC Machinist190-
Machine Tool Technology/Machinist-1-
Welding Technology/Welder00-
Category total191-
Psychology
Psychology, General-46-
Category total-46-
Public Administration and Social Service Professions
Social Work-18-
Category total-18-
Social Sciences
Anthropology, General-3-
Economics, General-2-
Geographic Information Science and Cartography5--
Geography-0-
Political Science and Government, General-2-
Social Sciences, General-7-
Sociology, General-0-
Category total514-
Visual and Performing Arts
Art/Art Studies, General-30-
Dance, General-1-
Drama and Dramatics/Theatre Arts, General-17-
Music, General-3428
Category total-8228
Grand total4101,03533
open-close Servicemembers and Veterans
Services and Programs for Servicemembers and Veterans
Yellow Ribbon Program (officially known as Post-9/11 GI Bill, Yellow Ribbon Program)
Credit for military training
Dedicated point of contact for support services for veterans, military servicemembers, and their families
Member of Department of Defense Voluntary Educational Partnership Memorandum of Understanding
Tuition policies specifically for Veterans and Servicemembers
Educational Benefits, 2022-2023
Number of students receiving benefits/assistance
Number of students receiving benefits/assistance: Post-9/11 GI Bill Benefits - undergraduates: 8 DoD Tuition Assistance Program - undergraduates: 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: $4,180
open-close Varsity Athletic Teams
Athletics Participation
  • Sanction Body: NJCAA Division I
Varsity Men's and Women's TeamsMenWomen
Basketball1513
Football97–
Rodeo1215
Soccer3727
Softball–19
Volleyball–15
Wrestling2221
open-close Accreditation
Institutional Accreditation
AccreditorStatusNext Review Date
Northwest Commission on Colleges and UniversitiesAccredited since (12/01/1953)10/01/2027
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
Accreditation Commission for Education in Nursing, Inc. – May 6, 2013 Formerly: National League for Nursing Accrediting Commission
Nursing (ADNUR) - Associate degree programsAccredited since ((!)10/01/2015)09/01/2028
  • (!) 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/146959.
open-close Campus Security and Safety
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape020
d. Fondling334
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary100
j. Motor vehicle theft000
k. Arson000
  • For 2020, line C was changed from 1 to 2 because of a report received in 2021 for a 2020 incident. For 2020, line E was changed from 2 to 3 because of a report received in 2021 for a 2020 incident.
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence021
c. Stalking059
  • For 2020, line C was changed from 5 to 6 because of a report received in 2021 for a 2020 incident.
Arrests201920202021
a. Weapons: carrying, possessing, etc.010
b. Drug abuse violations776
c. Liquor law violations9155
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations0413
c. Liquor law violations41212
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. Rape020
d. Fondling323
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary000
j. Motor vehicle theft000
k. Arson000
  • For 2020, line C was changed from 1 to 2 because of a report received in 2021 for a 2020 incident. For 2020, line E was changed from 1 to 2 because of a report received in 2021 for a 2020 incident.
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence021
c. Stalking046
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations746
c. Liquor law violations7105
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations0413
c. Liquor law violations41212
  • 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%2.4%
Number in default0016
Number in repayment649666653
Aid Programs
  • Federal Direct Loan (Direct Loan)