Advanced Inquiry Program

To qualify for federal student loans and to defer federal student loans, a degree-seeking student must be enrolled half-time (at least five credit hours at the graduate level) in an academic term. Under the current Course of Study/credit hour configuration, this means that many, but not all, semesters’ registration and enrollment can be managed in order to hit this mark.

During terms in which master’s students are enrolled for 5 or more credit hours, they can apply for a federal student loan by completing the Free Application for Federal Student Aid (FAFSA). It is possible that they may be granted a federal loan in an amount that would cover most expenses for the 2.5- to 3-year program. Also, at any time during the master’s experience, any student may apply for loans from private financial institutions. More information can be found at Miami University One Stop for Student Success Services for Graduate Students.

All students who take out federal student loans qualify for only one six-month deferment for each particular loan. Students who have not previously used their one-time, six-month deferment are able to defer federal loans beginning in the term in which they are enrolled half-time. Students who have already used their six-month grace period would only be eligible for another six-month grace period on any new loans that have been borrowed.

Please see Project Dragonfly Financial Aid Information for additional details. For Washington State residents seeking information and resources about student loan repayment or seeking to submit a complaint relating to your student loans or student loan servicer, please visit www.wsac.wa.gov/loan-advocacy or contact the Student Loan Advocate at loanadvocate@wsac.wa.gov.