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Loans are a form of self help aid and must be repaid.

In order for your Federal student aid (Title IV aid which includes Parent PLUS loans) to pay for non-institutional charges, an authorization must be provided by you. A separate authorization is needed to allow Title IV aid to pay for prior-year non-institutional charges.

Tip: Click on Student Tools, in My Account box, click on Authorization to use Title IV Aid.

Federal Direct Loans

All Kent State University students who complete the FAFSA will be awarded the Federal Direct Loan based on the grade level. The Subsidized Direct Loan is awarded to students who demonstrate financial need. The Unsubsidized Direct Loan is awarded to students who do not demonstrate financial need. Interest will accrue on unsubsidized loans and will capitalize unless you choose to pay the interest while in school.

In order for the loan funds to apply to your student account, you must go Online to accept the Direct Loan award. Access your FlashLine account.

  • Click on the My Account  tab, in the Financial Aid  box, click on "Financial Aid Awards - view, accept, or decline" link. Select Aid Year  and submit.
  • Under the Accept Award Offer  tab, you have the option to reduce, decline, or accept your

    Direct Loan award.

  • Once you submit your option and would like to change, you must contact the Student Financial Aid Office.

You must sign the Master Promissory Note (MPN)  and have it on file with Direct Loans in order for you to receive the loan funds. If you have a valid MPN on file with Direct Loans, you are not required to sign again.

You must complete Entrance Loan Counseling if you are a first time borrower.   Entrance Loan Counseling is found at  You will need your FSA ID to access the counseling requirement. You must be enrolled at least half time (6 credit hours undergraduate; and 4 credit hours graduate) and meet all other compliance requirements in order for the loan funds to be credited to the student account. If the funds cause a credit on the student account, the Bursar’s Office will issue a refund.

Repayment of the loan begins six months after you have graduated or ceased to be enrolled at least half time (6 credit hours undergraduate; and 4 credit hours graduate). Several repayment plans are available.

Loan Programs

Federal Direct Subsidized and Unsubsidized Loan Program

Loan Limits:

Annual Loan Limits - $5,500 for freshmen*, $6,500 for sophomores*, $7,500 for juniors/seniors* (*Includes $2,000 unsubsidized)

Category: Payday loans

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