Loans are a form of self help aid and must be repaid.

Attention New Students

In order for your Federal student aid (Title IV aid which includes Parent PLUS loans) to pay for non-institutional charges, an authorization must be provided by you. A separate authorization is needed to allow Title IV aid to pay for prior-year non-institutional charges.

Provide authorization via FlashLine

  • Login to your FlashLine Account at
  • Click on the Student tab in the left column
  • Under Finances, choose Financial Aid  
  • Click Title IV Federal Aid Authorization      

Federal Direct Loans

All Kent State University students who complete the FAFSA will be awarded the Federal Direct Loan based on the grade level. The Subsidized Direct Loan is awarded to students who demonstrate financial need. The Unsubsidized Direct Loan is awarded to students who do not demonstrate financial need. Interest will accrue on unsubsidized loans and will capitalize unless you choose to pay the interest while in school.

In order for the loan funds to apply to your student account, you must login to your FlashLine account.

  • Click on the Student tab in the left column.
  • Under Finances, choose Financial Aid.  
  • Click Financial Aid Awards.        
  • Under Aid for Award Year, choose the appropriate Award Year from the drop-down menu and click Submit. 
  • Under the Accept Award Offer tab, you have the option to reduce, decline, or accept your Direct Loan award.

Access the Guide to FlashLine

You must sign the Master Promissory Note (MPN)  and have it on file with Direct Loans in order for you to receive the loan funds. If you have a valid MPN on file with Direct Loans, you are not required to sign again.

Access more information on the electronic signature process

You must complete Entrance Counseling if you are a first time borrower.   Entrance Counseling is found at  You will need your FSA ID to access the counseling requirement. You must be enrolled at least half time (6 credit hours undergraduate; and 4 credit hours graduate) and meet all other compliance requirements in order for the loan funds to be credited to the student account. If the funds cause a credit on the student account, the Bursar’s Office will issue a refund.

*NEW* for the 2020-2021 academic year - "Annual Student Loan Acknowledgement."

This tool allows students to see and acknowledge how much they have borrowed, preview what their monthly payments may be, and understand important concepts concerning their borrowing. Students and parents of dependent students can complete this online tool at

Repayment of the loan begins six months after you have graduated or ceased to be enrolled at least half time (6 credit hours undergraduate; and 4 credit hours graduate). Several repayment plans are available.

Loan Programs

Federal Direct Subsidized and Unsubsidized Loan Program
Federal Perkins Loan
Federal Nursing Loan
Federal Direct Plus Loan for Graduate Students
Federal Direct Parent Plus Loan
Additional Unsubsidized Based on Parent Plus Denial

Entrance Counseling


Entrance Counseling is required for first-time borrowers (undergraduate and graduate) of a Federal Direct Loan. Entrance Counseling provides information to help you make the right choices. The Department of Education has developed a quick and easy interactive counseling session that provides useful tips and tools to help you develop a budget for managing your educational expenses and help you to understand your loan responsibilities.

Find out more about Entrance Counseling.

Note: If you satisfied the entrance counseling in a previous year, you do not need to complete entrance counseling again.


This information applies to Graduate students who have borrowed from the Graduate PLUS Loan Program.

The Graduate PLUS is a loan designed for graduate students who have reached their annual maximum eligibility for the Federal Direct Subsidized and Unsubsidized Loans. Entrance Counseling is required for all Graduate PLUS loan borrowers. Entrance counseling will help you understand your rights and responsibilities as a student loan borrower. Graduate PLUS borrowers must complete Entrance Counseling designed especially for graduate PLUS borrowers. 

Find out more about Entrance Counseling.


View Kent State's loan proration policy.

Federal regulations require that the annual maximum loan amount an undergraduate student may borrow must be prorated in certain situations:

  • When the student is enrolled in a program that is shorter than a full academic year. This regulation would apply to certain certificate programs that are shorter than a full academic year. The maximum loan amount would be determined by the number of weeks in the program.
  • When the student is enrolled in a program that is one academic year or more in length, but the remaining period of study is shorter than a full academic year. This regulation would apply to all students that will graduate in Summer or Fall semester. The maximum loan amount would be determined by the number of credit hours enrolled for the final semester.


  • Direct Loan requirements now limit borrower eligibility for Direct Subsidized Loans to a period not to exceed 150 percent of the length of the borrower’s educational program (“the 150% limit”). For example, 6 years of Subsidized Loan eligibility for a Bachelor’s degree and 3 years for an Associate’s degree.
  • Under certain conditions, first-time borrowers who have exceeded the 150% limit may lose the interest subsidy on their Direct Subsidized Loans.  Students impacted by the 150% rule will be notified by the Student Financial Aid Office.


All Federal Direct loans for students and parents are charged a fee.  The loan fee is a percentage of the loan amount ad is proportionately deducted from each loan disbursement.  The percentage varies depending on when the loan is first disbursed, as shown in the chart below.

Loan Type First Disbursed Loan Fee Percent Fee Example
Direct Subsidized Loans and Direct Unsubsidized Loans On or after Oct 1, 2019 and before Oct 1, 2020 1.059 $58.24 on a $5,500 loan
On or after Oct 1, 2020 and before Oct 1, 2021 1.057 $58.13 on a $5,500 loan
Direct PLUS Loans (Parent and Grad/Prog Student) On or after Oct 1, 2019 and before Oct 1, 2020 4.236 $423.60 on a $10,000 loan
On or after Oct 1, 2020 and before Oct 1, 2021 4.228

$422.80 on a $10,000 loan


  • Watch for and review your Student Aid Report (you will get either a paper copy or email notification from the Department of Education).  The Department of Education will send you the FAFSA results via email or paper copy.  It is called the Student Aid Report.  You will want to review it to ensure your information is correct.
  • Follow directions on the award letter if you choose to adjust or cancel the loan.
  • Accept/Decline your loan award(s) through FlashLine.
  • Complete Entrance Counseling.
  • Sign the Electronic Master Promissory Note (eMPN) online. 
  • Learn more about electronically signing your Direct Loan MPN.
  • Authorize Title IV aid to allow Kent State University to credit your student account.


  • Contact the servicer of your Direct Loan if you transfer from Kent State, drop below half time status, or there is a change in your name, permanent address, telephone, or email information. A servicer is a company that the Department of Education hires to handle the repayment process of your loans. To find you servicer, visit and log in using your FSA ID.
  • Maintain copies (either electronic or paper) of all documents related to your Direct Loan.
  • Borrow only what you need. Begin a budget and stick to it. 
  • Calculate your costs.


Financing a college education is a concern for many families. Most financial aid packages will include student loans; however, federal subsidized and unsubsidized loans may not cover the total cost of college expenses. Consequently, families are faced with the challenge of meeting the cost of their expenses.  

Learn more about Private Loans