Auburn University Student Loans – Auburn University offers various student loan options to help students finance their education, including federal student loans and private student loans.

To know if you are eligible for financial aid, including student loans, you will need to fill out the Free Application for Federal Student Aid (FAFSA). You should also contact the Financial Aid Office at Auburn University for information on the specific loan options available to you and for help navigating the loan process.

Student loan programs provide long-term, low interest loans to students showing a need for assistance.
Auburn University take part in the Federal Direct Loan Program. The Direct Loan program gives incentives and services that benefit their students and parents. Please refer to the Student Loan FAQ below this article for more information about loan requirements.
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Auburn university student Loan Limits

Annual Loan Limits
    • Dependent Undergraduate students
      1. Freshmen – $5500, no more than $3500 Subsidized loans
      2. Sophomores – $6500, no more than $4500 Subsidized loans
      3. Juniors and Seniors – $7500, no more than $5500 Subsidized loans
    • Independent Undergraduate students
      1. Freshmen – $9500, no more than $3500 Subsidized loans
      2. Sophomores – $10,500, no more than $4500 Subsidized loans
      3. Juniors and Seniors – $12,500, no more than $5500 Subsidized loans
    • Graduate Students – $20,500 Unsubsidized loans
    • Veterinary Medicine students: $20,500 Unsubsidized plus the maximum increased Unsubsidized amount of $20,000 for a period of 9 month academic year or plus $26,667 for a 12 month academic session, limited to cost of attendance.
    • Pharmacy students: $20,500 Unsubsidized plus the maximum increased Unsubsidized amount of $12,500 for a 9 month academic session, or plus $16,667 for a 12 month academic session, limited to cost of attendance.
Aggregate Loan Limits
    • Undergraduate Dependent Students: $31,000 (no more than $23,000 of which can be subsidized loans)
    • Undergraduate Independent Students: $57,500 (no more than $23,000 of which can be subsidized loans)
    • Graduate Students: $138,500
    • Veterinary Medicine and Pharmacy students: $224,000


Types of student loan at Auburn university

Auburn University provides a variety of student loan options to assist students finance their education. Some of the loan types available to students include:

1. Federal Parent Plus Loans

Note: Parents if you are the parent of a dependent student, you may be eligible to borrow under the Federal PLUS loan program. Before applying for the Federal PLUS loan, please ensure you have a completed FAFSA on file at Auburn University. Your dependent student must also be registered at least half time and maintaining Satisfactory Academic Progress. Also, the student must meet all other requirements of Title IV aid, as determined by the Department of Education. The maximum amount that the parent may borrow under the Federal PLUS loan program, is Cost of Attendance minus any other aid (scholarships, grants, loans, waivers, etc) received by the student.

2. Federal Graduate PLUS Loans

Eligible graduate students are permitted to borrow under the Federal Graduate PLUS program to help with educational costs. It is urged that you maximize your annual Direct Unsubsidized eligibility before you apply for the Graduate PLUS Loan.

3. Federal Perkins Loan

On September 30, 2017, the Federal Perkins Loan program has expired. Unless future Congressional action reinstates the program, there will be no future funds available from this program. Perkins Loans repayment information can be accessed here for students who have borrowed Perkins funds in the past.

4. Health Professions Student Loan

The Health Professions Student Loan Program is a federally funded loan program open to students in Pharmacy and Veterinary Medicine who show financial need. Repayment and accrual of interest begin 12 months after the student drops below half-time enrollment status. The interest rate is 5% and the repayment period may be extended to a maximum of 10 years.
Parental Financial Data Must Be Provided In All Cases, Even For Independent Students, In Order To Be eligible For This Loan Program.

5. Non-federal Alternative Loans

The Office of Student Financial Services urges all students eligible for federal loans to maximize their eligibility before borrowing any alternative loans. But, if you must borrow an alternative loan, we urge that you review other alternative loan lenders and research their policies and loan terms to conclude on which lender is best for you. They will then process an alternative loan with the lender of your choice. The best way to find alternative lenders is to do an internet search for “private student loans”. Their office cannot suggest nor suggest an alternative lender.

Due to recent legislative changes, students applying for a non-federal alternative loan will be needed to complete the Private Education Loan Applicant Self-Certification Form. This form is also available through the alternative lender’s official website. This form will need information regarding aid that you are currently receiving and the total cost of attendance for AU. Follow these links to view your current financial aid award and the estimated cost of attendance at Auburn University in order to complete this form.

6. FSA Student Loan Ombudsman Group

If you have ever experienced issues with your federal student loan servicer repayment or consolidation and you have not been able to resolve the issues with your servicer, you may contact the Federal Student Aid Ombudsman Group as a last resort.

Auburn university student loans amount

Loan amounts can vary depending on a student’s financial need, the cost of attendance, and other factors. It’s best to contact the financial aid office at Auburn University directly for more information on student loan options and amounts.

Auburn university Loan payments

Payments for the Perkins and Health Professions are made through Heartland ECSI, Auburn’s loan servicer. You may go to your loans at in order to pay online, make changes to your address, etc. Please contact Heartland ECSI, with any questions on your loan account.


Heartland ECSI
Payment Mailing Address: PO Box 1287, Moon Township, PA 15108
Paperwork Mailing Address: PO Box 1289, Moon Township, PA 15108
Borrower Service Phone: 1-888-549-3274
Please Note: that they handle campus-based loans only. If you have a Federal Direct or FFEL loan, you will need to contact those lenders above.

Frequently asked questions

When do I begin repaying my loans?

After you graduate, leave school, or drop below half-time enrollment, you have six, nine or twelve months, depending on your loan fund, before you have to begin to repay your loan. This is called the “grace period.” During this “grace period” , no interest accrues. Your repayment period begins the day after your grace period ends. This is when interest starts to accrue on your account. Your first payment will be due within one month after your repayment period begins.

Am I required to do an Exit Interview on these loans?

Yes, when you graduate, drop below half-time status or quit Auburn University you are needed to do an Exit Interview on these loans. Please contact the Financial Aid Office with any questions on how to complete the Exit Interview.

How do I make payments?

Once your grace period expires, you will start receiving monthly statements along with a return addressed envelope. This is not a coupon book. Make sure you add your ID number on your check and any correspondence.

What if I don’t receive my monthly statement?

Just because you don’t get a statement does not mean that you don’t owe your payment.

Statements are mailed around the 10th of each month. If you do not receive your statement, Heartland ECSI could have an incorrect address or it may have been lost in the mail. It is your responsibility to contact Heartland ECSI with any change of address. Please contact Heartland ECSI to update your address. Or you may go online to make your address changes at

What is the interest rate on my loan(s)?

Each loan fund interest rate varies. Check your promissory note or your repayment schedule for your interest rate.

What is my monthly payment on my loan(s)?

Check your repayment schedule for your monthly payment.

Can I pay off my loan(s) early?

Yes, you may prepay all or part of the unpaid balance on your loans at any time, without an early-repayment penalty. Be sure to specify which loan you are prepaying. Interest starts to accrue on your grace end date. Let’s say your grace end date is 9/1/20. Your first payment is due 10/10/20. Interest starts to accrue 9/1/20; therefore, if you wanted to pay off your loan prior to accruing any interest, you would need to pay your loan off by your grace end date (9/1/20), NOT your first payment due date.
Note: Prepaying a portion of your loan does NOT pay you ahead. You are still due for your next month’s payment, UNLESS you specify on your payment stub or in a separate letter that this payment is an advanced payment.

Will I get any reminder letters during my grace period?

Yes, federal regulations require us to send out letters when you are 90, 150, and 240 days into your grace period (again, the days will depend on your loan fund.)

Where does the money come from to fund the Perkins/NDSL and Health Professions loan funds?

When federal loan funds are set up, the government provides to the school an initial amount to start operating a loan fund. From there on, the loan fund is usually a revolving account, which means that the money we receive from the payments of former borrowers is used to loan out money to current and future borrowers. If you default on your loan, then less money is available to these borrowers. So remember, when you are making your payments, you are allowing future borrowers the same opportunity to borrow money as you did.

I’ve borrowed a lot of money and have different loans. What if I can’t remember where all my loans are?

Call 1-800-433-3243. This is a federal financial aid number. They have information on all your federal loans and where they are. You can also go on-line at

Is there a place I can go to informally resolve loan disputes and problems?

If the Student Loan Department in the Office of Student Financial Services has not been able to help you with your problem, the Office of Student Financial Assistance Programs has an SFA Ombudsman office. The SFA Ombudsman is working with student loan borrowers to informally resolve loan disputes and problems with some of their federal loans.

How to get a student loan at Auburn?

If you are interested in the Direct Subsidized/Unsubsidized loans, those are handled through the Financial Aid Office. Please visit their website at Once you have been awarded a Health Professions loan or an Auburn University student loan, you will work with Student Financial Aid.

Editor’s Advice (Conclusion)

If you are a student at Auburn University and need to take out loans to pay for your education, here are some tips to help you manage your debt:

  1. Know the types of loans available: There are many types of student loans – federal, private etc. Federal loans usually have lower interest rates and more flexible repayment options, so consider them first.
  2. Borrow only what you need: Only borrow the amount that you absolutely need for tuition, books, and living expenses. The more you borrow, the more you will have to pay back in the long run.
  3. Consider a part-time job: Consider working part-time while you are in school to help reduce your reliance on loans.
  4. Repayment options: Once you graduate, you have options for repaying your loans, such as income-driven repayment plans or loan consolidation. Do your research and choose the option that works best for your financial situation.
  5. Make payments on time: Late payments can result in penalties and additional fees, so make sure to stay on top of your loan payments.

Remember, student loans are a serious financial obligation, so it’s important to understand the terms and conditions before you borrow.


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