North American Federal Aid

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US Federal Aid

Edinburgh Napier University participates in the William D. Ford Federal Direct Loan Program which is administered by the US Department of Education.  This loan scheme is only open to eligible applicants from the USA. Our school code is G34184

Eligibility:

US Federal loans are generally available to eligible students who meet the below criteria:
  • Have received an unconditional offer to study an eligible course at Edinburgh Napier University
  • Will be studying at least half-time on campus and are not in default on a previous loan or exceeding Federal loan limits 
  • Studying on an eligible Bachelor’s, Masters or PhD programme excluding Nursing and Midwifery, Distance learning/Online programmes. Courses are ineligible if any time on the course is spent in the USA, at an ineligible school or it involves any time off campus which is not under the direction, supervision and assessment of faculty staff

Undergraduate and postgraduate students as well as parents of undergraduate students may borrow money for university education. Four loan options are available for students at Edinburgh Napier University:

Types of Loan:

  • Direct Subsidized Loan
  • Open to dependent and independent undergraduates.
    These are loans made to eligible undergraduate students who demonstrate financial need to help cover the costs of higher education at a University.
  • Direct Unsubsidized Loan
    Open to dependent and independent undergraduates and postgraduates.
    These are loans made to eligible undergraduate and postgraduate students where eligibility is not based on financial need.
  • Direct Parent PLUS Loan
    Open to dependent undergraduates.
    These are loans made to parents of dependent undergraduate students to help pay for education expenses not covered by other financial aid. Eligibility is not based on financial need, but a credit check is required. Borrowers who have an adverse credit history must meet additional requirements to qualify.
  • Direct Graduate PLUS Loan
    Open to postgraduate students.
    These are loans made to postgraduate students to help pay for education expenses not covered by other financial aid. Eligibility is not based on financial need, but a credit check is required. Borrowers who have an adverse credit history must meet additional requirements to qualify.

Application Process

If you meet the eligibility criteria, please complete the Free Application for Federal Student Aid (FAFSA). Once you have done so, email USloans@napier.ac.uk to inform us. Upon notification that you have completed your FAFSA, we will send you a Cost of Attendance (COA) form to determine how much you are eligible to borrow. Once you have returned the completed form, we will review your ISIR to check that you are eligible to borrow the amounts you have requested and ask you to complete Entrance Counselling and Master Promissory Notes (MPN) for each type of loan you wish to borrow. We will then add your loans to the Common Origination and Disbursement system and once they're accepted we'll send you a Visa Letter and Disbursement Schedule to confirm how much money you can expect to receive and when. Your £3500 tuition fee deposit will be waived and a Confirmation of Acceptance of Studies (CAS) will be raised for you to allow you to apply for your Tier 4 visa.

Please note, loans are only disbursed to fully matriculated students. Therefore, we recommend that you bring enough money to cover expenses before you receive your first disbursement. 

Further information on the US Loans process can be found on MyNapier and on the StudentAid.gov website. If you have any questions about US Financial Aid, please contact USloans@napier.ac.uk

US Veteran Affairs Benefits Program

The US Department of Veterans Affairs offers education benefits to qualifying students.
Edinburgh Napier University is approved to process Veterans Affairs Benefits (VA Benefits).

For eligibility requirements please visit the US Department of Veteran Affairs website

Application process:

If you meet the eligibility requirements for VA Benefits, the next step is to ensure that the course you have an offer for is approved for VA benefits. This can be checked by emailing USloans@napier.ac.uk. Once your course is approved, you need to submit your application to the VA at least 90 days in advance of commencing study with us. You will then receive a Certificate of Eligibility letter which you need to submit to USloans@napier.ac.uk. We will then submit enrolment information to the VA on your behalf and once approved the University will receive a check that will be disbursed to you upon completion of the matriculation process.

If you have any questions about Veteran Affairs Benefits, please contact USloans@napier.ac.uk

Canadian Loans Program

Edinburgh Napier University is able to certify Canadian Student Loan applications. The Canadian Student Loans Program allows students to borrow money from the Government of Canada to pursue higher education. The US Loans team can certify loan applications by confirming student status on the relevant documentation provided by the Canadian Government. If you have any questions about Canadian Financial Aid, please contact USloans@napier.ac.uk.