Loans
Flexible loan options to help fund your education—cover tuition, fees, and other expenses while you focus on achieving your degree. Explore federal and private loans designed to fit your needs.
Exploring
Your Loan Options
At WLU, students and families have access to federal and private loan options designed to support educational expenses. Below, you’ll find information on Direct Subsidized and Unsubsidized Loans, Parent PLUS Loans, and Alternative Loan Programs to help you determine the best fit for your needs.
Federal
Loans
Federal loans to help students cover college costs, with repayment beginning after graduation or leaving school.
Direct Subsidized & Unsubsidized Loans Details
- Available to all students who complete the FAFSA
- Maximum loan amounts:
- Freshmen: $5,500
- Sophomores: $6,500
- Juniors & Seniors: $7,500
- Repayment starts six months after leaving school, dropping below half-time, or graduating
- Interest and principal responsibility
- Entrance and exit counseling required
Parent PLUS
Loans
Federal loans for parents of dependent students to help cover college costs.
Parent PLUS Loan Details
- Available to parents of dependent students
- Loan amount based on parent request or remaining cost of attendance
- Credit check required
- Repayment begins 60 days after final loan disbursement (typically January)
- Managed through the Direct Loan Program
Alternative
Loans
Private, credit-based loans for students and parents to cover additional education expenses.
Alternative Loan Details
- Not federal loans; credit-based and often require a cosigner
- Repayment usually deferred until graduation or enrollment drops below half-time
- Provides flexibility to supplement federal aid or scholarships
- FASTChoice helps compare options, understand responsibilities, and manage borrowing
Become A
Hilltopper
West Liberty University is a place where you can pursue your dreams and prepare for the future. With more than 60 programs, a vibrant campus life, small classes, and an affordable cost, the quality education you’ll get at West Liberty is like no other.