You need to submit an application for educational funding utilizing the FAFSA. You shall never be immediately offered a Direct Loan. You must request the loan from the financial aid office if you want to borrow from the Direct Loan program. In the event that you request a Direct Loan and later determine there is no need the funds, you might drop the mortgage by calling the school funding workplace.
You are eligible for a subsidized Direct Loan if you are an undergraduate student and have financial need. No interest will be charged as long as you maintain at least half-time enrollment (6 credits) with subsidized loans. Financial need may be the distinction between price of Attendance and your Expected Family Contribution.