Winter Holiday Hours

Mississippi State University will be closed in observance of the Winter Holidays from December 23, 2025 through January 2, 2026. Normal business operations will resume on Monday January 5, 2026 at 8 a.m.

Loans

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LOANS

The first step in applying for any Federal Loan is to complete the Free Application for Federal Student Aid (FAFSA) form.

 

 

FAFSA Form Alternative/Private Loan Applications Federal Student Loan Deferment Federal Direct Loan Exit Counseling Guide Federal Student Loan Repayment Plans Federal Student Loan Repayment Simulator

Federal Student Loans

  • Eligibility is determined by the school each academic year based on federal guidelines, including annual and aggregate loan limits.
  • Loans cannot exceed the Cost of Attendance.
  • Undergraduate students graduating in December will have their loans prorated based on enrolled hours in their graduating semester.
  • Students not meeting Satisfactory Academic Progress (SAP) requirements are ineligible for federal loans, including Parent PLUS Loans.

Federal Student Loan Options


Private Alternative Loans

  • Private loans require lender approval but cannot exceed the Cost of Attendance.
  • Some lenders require good Satisfactory Academic Progress (SAP) and at least half time enrollment. Be sure to check the lender's specific eligibility requirements.
  • Terms, interest rates, and eligibility vary by lender.

Alternative/Private Student Loan Options