Skip to content Exit mobile menu

US Federal Aid

Federal loans for US undergraduate and postgraduate students.

St Mary’s University, Twickenham participates in the William D Ford Federal Direct Loan Program. Federal Direct Loans are low-interest loans to help undergraduate and graduate students pay for their education.

There are no short cuts to loan origination. The steps you need to take are quick and easy, but as we are a foreign school we are not automatically sent the documents; please do not rely on this. Your loan will not be processed unless you contact us directly with all of the relevant documentation. Failure to do so may result in a delay in your loan being disbursed.

As a student studying at a foreign institution, you are eligible for a Direct Subsidised and a Direct Unsubsidised loan, as well as a Direct PLUS loan. There are a number of things you must consider if deciding to study at a foreign school that affect the loans and grants you can receive. For more information on these loans, including the maximum amount you can borrow and related interest rates please check the Federal Student Aid website

The application process

Please note: St Mary’s cannot begin processing applications for the 2022/23 academic year until June 2022.

You may complete your Free Application for Federal Student Aid (FAFSA) before that date, but please wait until you have completed everything you need, before you send the documents to us in one single email. We will not be able to originate your loan until we have all the necessary elements.

Please read the information carefully but do not send any documents until you have everything available in one single email.

  • St Mary's school code: G41437

The loan application checklist provides a summary of the steps involved in applying for federal loans. The application process involves filling out the forms detailed below, every year of your studies:

  1. Completed FAFSA form (your loan eligibility will be assessed in the first instance by checking if you meet all of the criteria)
  2. Cost of Attendance
  3. Master Promissory Note (separate ones for both unsub/sub and Plus)
  4. Entrance Counselling (first year only)
  5. Credit Check for Plus loan if applicable

Complete the Funding Declaration Form 

Submit Federal Aid Documents

Before applying for your loan and submitting your documents, please read the information below carefully. If your submission is incomplete, our Federal Aid Office will require a new submission.

The CARES Act was passed by congress allowing students in receipt of Federal Aid to maintain their loan eligibility throughout the pandemic. This legislation permits US Federal Aid students enrolled on full-time in-person courses to receive their loan and study virtually.

The provision only applies to programmes which are normally delivered on-campus and cannot be extended to Distance Learning programmes.

 All students taking advantage of this provision will be required to study on campus at the end of the qualifying emergency as declared by the UK Government.

  • First year undergraduate annual loan limit: $5,500 
    No more than $3,500 of this amount may be in subsidised loans
  • Second year undergraduate annual loan limit: $6,500
    No more than $4,500 of this amount may be in subsidised loans
  • Third year undergraduate annual loan limit: $7,500
    No more than $5,500 of this amount may be in subsidised loans
  • Graduate professional students annual loan limit: N/A
    All graduate and professional students are considered independent
  • First year undergraduate annual loan limit: $9,500
    No more than $3,500 of this amount may be in subsidised loans
  • Second year undergraduate annual loan limit: $10,500
    No more than $4,500 of this amount may be in subsidised loans
  • Third year undergraduate annual loan limit: $12,500
    No more than $5,500 of this amount may be in subsidised loans
  • Graduate professional students annual loan limit: $20,500
    All graduate and professional students are considered independent

Foreign institutions who participate in the William D Ford Federal Direct Loan Program must adhere to specific regulations on loan eligibility. Unfortunately, we cannot process loans for the following courses or student types, which are ineligible for Title IV funding:

  • Courses offered through distance learning
  • Non-degree programmes, including two-year FdA programmes, Postgraduate Diplomas and Postgraduate Certificates, including the PGCE
  • Four-year undergraduate courses with a placement year
  • Programmes offered at St Mary’s Edinburgh location
  • Incoming study abroad programmes. Incoming study abroad students should apply for funding through their home institution. Title IV recipients who want to participate in an outgoing study abroad programme for one semester as part of their St Mary’s degree should contact federalaid@stmarys.ac.uk to ask about their Title IV funding eligibility.
  • Mature students without a secondary school completion credential or its equivalent.

To remain eligible for federal aid once you commence study, you must:

  • Be enrolled and continue to be enrolled at least half-time. Part-time study is not permitted.
  • Be a US Citizen or an Eligible non-citizen
  • Possess a valid US Social Security Number
  • Maintain Satisfactory Academic Progress
  • Not exceed your aggregate loan limits – continuing students will be assessed annually.

All of the information on this page forms part of our consumer information. Please see the information below for further information useful to students receiving Title IV funding.

Student Financial Aid Information

Please see other sections of this page for all terms and conditions relating to Title IV US Federal Aid, including the application process, an application checklist, eligibility requirements, loan terms, entrance counselling, exit counselling, how aid is disbursed, your rights and responsibilities, Satisfactory Academic Progress requirements and links to loan information published by the US Department of Education.

You will find additional scholarship and funding information on our international scholarships and funding page.

Cost of Attendance

Our tuition fees page has full details of our fee rates for international students, while our budgeting and cost of living information will help you plan for other essential costs like accommodation, food, transportation and academic supplies.

The official 2022/23 Cost of Attendance document for Title IV students will be published on our website in April 2022.

Refund Policy

Refunds are governed by St Mary’s Tuition Fee Refund Policy.

Requirements and Procedures for Official Withdrawal from the University

Applications to withdraw, transfer from or take a leave of absence from St Mary’s are submitted through the Student Portal. The policies governing all of these procedures, as well as the University’s Academic Regulations, are available on our Registry pages.

Student disciplinary procedures and complaints

Our student disciplinary procedures and complaints procedures are available on our website. The Students’ Union can also support students with disciplinary procedures and complaints. 

Satisfactory Academic Progress

Please see the Satisfactory Academic Progress Policy for details of SAP requirements for students with Title IV funding. Students must submit their Satisfactory Academic Progress Form in line with published deadlines. 

Return of Title IV Funds Policy

The Return of Title IV Funds Policy explains the procedures St Mary’s follows when Title IV students cease their enrolment prior to the end of a payment period.

Accrediting agencies and government bodies

St Mary’s University is recognised as a degree-awarding body and is listed in the Education (Recognised Bodies) (England) Order 2020.

Academic programmes at the institution

For information the programmes of study available, please see our Study at St Mary’s University page. Please note that not all programmes of study are eligible for Title IV funding.

Ineligible programmes

The following programmes are ineligible for Title IV funding at St Mary’s:

  • Courses offered through distance learning
  • Non-degree programmes, including two-year FdA programmes, Postgraduate Diplomas and Postgraduate Certificates, including the PGCE
  • Four-year undergraduate courses with a placement year
  • Programmes offered at St Mary’s Edinburgh location
  • Incoming study abroad programmes.

Incoming study abroad students should apply for funding through their home institution. Title IV recipients who want to participate in an outgoing study abroad programme for one semester as part of their St Mary’s degree should contact federalaid@stmarys.ac.uk to ask about their Title IV funding eligibility.

Right to review educational records, data protection and the Family Educational Rights and Privacy Act (FERPA)

The Federal Family Educational Rights and Privacy Act (FERPA) does not apply in the UK. Instead, the UK has a similar piece of legislation called the Data Protection Act (DPA). Please see our Data Protection Policy for details of how St Mary’s complies with the DPA to protect your personal data.

Services and facilities for students with disabilities

St Mary’s Wellbeing Team provides support and advice for students with disabilities.

National Student Loan Data System (NSLDS)

We will confirm your attendance online through the National Student Loan Data System as required by US Federal regulations.

Retention rates

Retention rates for all UK universities are published by HESA.

Careers and employability

For information on our diverse community, and to see how to get involved in our EDI efforts, please visit our Equality, Diversity and Inclusion page.

Textbooks

Please see the Moodle page for each of your modules to see what textbooks will be required. In most cases, readings and textbooks will be available for you to borrow in the Library. You can search the Library’s catalogue using Summon. Availability of resources is governed by our University Resource List Policy.

Copyright infringement and peer to peer file sharing

Please see the Library’s information on copyright, licencing and associated issues.

Fire safety

The University’s health and safety team publishes information on fire safety management.

Attendance monitoring

The University uses an electronic attendance monitoring system. Our Attendance Monitoring Policy sets out required attendance levels and the procedures followed when they are not met.

Drug and alcohol misuse

Please see the University’s Student Disciplinary Procedures for information on offences related to drug and alcohol use. Please be aware that under the US Higher Education Act, students may become ineligible for US Federal Aid upon conviction of any offence involving the possession or sale of illegal drugs while receiving Title IV funding, including US Federal Direct Loans and US Federal Direct PLUS Loans. Please see the FAFSA website for full details.

Once your FAFSA application has been processed you will be emailed a copy of your Student Aid Report (SAR). Please review this information carefully and ensure that it includes an Estimated Family Contribution (EFC) and the details of any previous loans.

Things to look out for in your Student Aid Report:

  • Any missing information or comments stating further information is required; you'll need to make corrections and re-submit your application.
  • If there is a "C" next to your EFC data, further information will be required; check the comment codes and make any necessary corrections.
  • In some cases we may need to ask you to provide documentary evidence, for example we may ask you for proof of US citizenship.

Loan repayment

Information on repaying your student loans can be found on the Student Aid website.

For US Federal Aid, St Mary’s University deems you ‘graduated’ once you stop attending full-time study. Therefore, you will be registered as a ‘graduated student’ and your loans will enter into repayment when you finish attending full-time classes.

Satisfactory academic progress

You will have to maintain satisfactory academic progress (SAP) and remain in at least half-time study throughout the course of your programme to remain eligible for federal loans. The University will check your progress twice a year, before each disbursement, through the completion of a Satisfactory Academic Progress form. Please make sure to check the St Mary's SAP Policy.

Change in student status

If you withdraw, graduate or drop below half-time study you will no longer be eligible for further federal loans at St Mary's University. This will mean that your federal loans will enter into repayment and any remaining disbursements will have to be cancelled (if applicable). You may need to return a portion of your unearned loan.

Exit counselling

If you withdraw, graduate or drop below half-time study you will need to complete exit counselling, which can be found on the Student Loans website.

Origination fees for loans disbursed between 1st October 2020 and 1st October 2021

  • Direct Stafford loan (sub/ unsub): 1.057%
  • Direct Parent Plus: 4.228%
  • Direct Graduate Plus: 4.228%
  • Disbursement one: 11th October 2021
  • Disbursement two: 14th February 2022
  • Disbursement three: 6th June 2022

The disbursement date is not the date that you will have access to your loan. The disbursement date is the day that the loan will be added to your student ledger to cover the costs for tuition and where appropriate accommodation. If there is a cash excess/ refund, this will be paid to you 10 days after the disbursement date.

Please note: You must ensure that you have enough funds to cover your expenses for the first 4-6 weeks of the semester before your loan is paid to you. You must be fully registered and present on campus before your loans can be drawn down. If you late are in arriving and/or completing your registration, your loan will be delayed. Please bear this in mind.


Disclaimer

The information provided on this webpage is accurate to the best of our knowledge. However, US Department of Education regulations are subject to change and St Mary’s University cannot be held responsible for any changes that may adversely affect your eligibility for federal loans.

This section also contains important consumer information for US students, that we are required to disclose.