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Federal Direct Stafford Loan Program

This federal loan is available to students enrolled on at least a half-time basis. The amount students can borrow each academic year is based on class level. Freshmen can borrow a maximum of $5,500, sophomores can borrow a maximum of $6,500 and juniors and seniors can borrow a maximum of $7,500 per academic year. 

The Federal Direct Stafford Loan will be part of the financial aid award package and the student must submit the FAFSA form in order to qualify. The loan will be certified by the Financial Aid Office unless the award letter is returned by the student indicating that the loan is not needed. 

You must repay a student loan even if your financial circumstances become difficult.  Loans can't be canceled because you didn't get the education or job you expected, and they can't be cancelled because you didn't complete your education (unless you couldn't complete your education because your school closed).  If you don't make your student loan payment or make your payment late, your loan may eventually go into default.  If you default on your student loan, that status will be reported to credit bureaus, and your credit rating and future borrowing ability will be damaged.  In addition, legal action can be taken to require payment through garnishment of wages and withholding of tax refunds.

Completing a Direct Loan Master Promissory Note & Entrance Counseling

To apply for a Federal Direct Stafford Loan, go to: (Do not complete before July 1 of the year in which you will be attending college.)

  • Click on Sign In.
  • Provide your social security number, the first 2 characters of your last name, date of birth, and your FAFSA user name and password. This will bring you to a page with your personal information.
  • If you are a first-time student at Seton Hill and have never borrowed before, you must first click on Complete Entrance Counseling and complete the entrance counseling session before you proceed to the Master Promissory Note (MPN). Choose Subsidized/Unsubsidized (Stafford).
  • Once you have completed and signed the MPN, you will get a message stating, "Thank you for submitting your MPN, you may view your MPN in a PDF document." 

The Financial Aid Office will be notified and we will be able to complete the certification process. 

Federal Direct PLUS Loan

This loan is for parents of dependent undergraduate students. Parents who are credit approved may borrow a PLUS loan each year to assist in meeting college expenses that are not covered by other financial aid resources. This loan will not appear on the Financial Aid Award Letter. The maximum amount a parent may borrow equals the total cost of attendance minus the student's total financial aid. Repayment traditionally begins within 60 days of the final disbursement of the loan although parents may choose to make interest payments only and defer the principle until the student graduates. To obtain current interest rates please visit

Completing a Federal Direct PLUS Loan Master Promissory Note

To apply for a Federal Direct PLUS Loan, go to the web site: (Do not complete before July 1 of the year in which your student will be attending college.)

Click on Sign In, then Request a PLUS Loan and provide your information. Click on Complete Master Promissory Note and select Parent PLUS.

Alternative Loans

These type of loans are for parents or students to cover college expenses that are not covered by other financial aid resources. The Financial Aid Office strongly suggests exhausting other loan options before looking into alternative loans as they are not subject to federal loan regulations like Stafford and PLUS loans. Interest rates, fees, and loan amounts are subject to your credit score and most students are required to have a cosigner to qualify. Seton Hill University does not recommend any particular lenders over any other lenders that currently offer alternative loan products. The Financial Aid Office will certify any loan that a student chooses. Lenders that have done business with Seton Hill University students in the last three years can be found through the option listed below. The total cost of attendance minus the student's total financial aid equals the maximum amount a student may borrow.



If you are interested in pursuing alternative loan options, you may go to This will give you a side-by-side comparison of general information for a variety of lenders. The information is not customized to each borrower but you will be able to gather general information such as interest rate range. You do not have to choose any of the lenders that are listed on this site. As previously stated, Seton Hill University will certify a loan from any lender a student or parent chooses.

The Office of Financial Services & the Registrar contains Student Accounts, Financial Aid and the Registrar. Contact the office at or (724) 830-1010.