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Federal Stafford Loan
Stafford loans are low-interest federal loans made to students.

The interest rate for Federal Stafford Loans made on or after July 1, 2006 is fixed for the life of the loan and is set based upon the date the loan is made. See how you can lower your rate at repayment with our NC Advantage!

A Subsidized Stafford Loan is available to students who have financial need. An Unsubsidized Stafford Loan is an option for students who do not demonstrate financial need.


To borrow a Stafford Loan from College Foundation, Inc. (CFI), the prospective borrower must have a North Carolina Connection as well as meet federal loan requirements. The required connection is established by meeting at least one of the following:

You are:

  • A resident of North Carolina; or
  • Enrolled, or accepted for enrollment, at a North Carolina college or university eligible to participate in the Federal Family Education Loan Program; or
  • A previous CFI borrower; or
  • A current or former participant or beneficiary in the North Carolina 529 college savings plan; provided that, the savings account was active on or before June 1, 2008 and not closed due to a rollover to another qualified tuition program.
Stafford Loan Details and Requirements for Borrowing from CFI.
 

Nondiscriminatory Policy

All student financial assistance is awarded on a nondiscriminatory basis without regard to race, color, religion, national origin, sex, marital status, disability, sexual orientation, veteran status, age (with the exception that borrowers must be at least 17 to enter into loan contracts under North Carolina law), or any other protected characteristics established by law.

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Apply Now
Apply for a Federal Stafford Loan online.
Download Federal Stafford Loan Master Promissory Note (MPN) and instructions.
 
   
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