US federal loans

You can now complete your FAFSA application for the next academic year.

School code for FAFSA applications: G33423

Loan eligibility

Your eligibility for US Federal Title IV Loans will be assessed by the information provided on your FAFSA.

Enrolment Status

You must be enrolled and continue to be enrolled at least half-time at Glasgow Caledonian University to remain eligible for Federal Loans. Please note that if you suspend, withdraw or drop below half-time enrolment then you must email immediately

Courses Ineligible for Federal Loans

The Glasgow Caledonian University has been approved to certify Federal Student Loans for degree programs.  The University has NOT been approved to certify Federal Loans for students wishing to study:

  • Undergraduate Nursing Programmes
  • Certificate or Diploma programs
  • Programs with study of less than half time, online study or distance learning study
  • Programs with a study abroad/work placement year
    • If any part of your program entails study abroad, the course you wish to study is only eligible for Federal Direct Loans if you go to a university also eligible to administer Federal Direct Loans. Please email before applying for your loan so that we can assess your eligibility.
  • A postgraduate research program involving research to be undertaken in the US or a writing-up period in the US is NOT permitted.  If you will be conducting research that can only be undertaken in the US, please email before applying for your loan so that we can assess your eligibility.
  • Degrees studied via collaborative/partner institutions. Currently we only one at GCU - MSc Theory of Podiatric Surgery.

Students wishing to study one of the above programs may be eligible for Private Loans.

Satisfactory Academic Progress (SAP)

To remain eligible for US federal student loans throughout your studies, a student must make satisfactory academic progress (SAP).  The University's SAP policy applies to all undergraduate and postgraduate students taking US Federal Student Loans to study at Glasgow Caledonian University.

Full details of the SAP process and the procedures to be followed if a student fails to meet SAP requirements are outlined on our Satisfactory Academic Progress Policy (SAP).


How to apply for US Federal Loan

Step 1 – Complete your FAFSA

If you meet the eligibility criteria, and you wish to apply for US Federal Loans to study at Glasgow Caledonian University, you should complete a FAFSA application.  You will need to create a FSA ID and password to complete your FAFSA.

If you are a continuing loan student, complete a renewal FAFSA (you will only be required to indicate any information that has changed since last year).

You can complete your FAFSA from the October before the academic year you wish to study in. If you wish to start your studies in 2021/22 academic year, you can complete your FAFSA from October 2020.  It is your responsibility to ensure that you submit a complete loan application in good time to meet Glasgow Caledonian University tuition fee (and accommodation fee if relevant) payment deadlines.

You will need to include Glasgow Caledonian University School Federal Direct Loan Code G33423 on your FAFSA.

Once you have completed your FAFSA, this will produce a Student Aid Report (SAR) and this will be used by the University to determine your loan eligibility.

Step 2 – Wait to Receive your Cost of Attendance

From May onwards, the Student Funding Office at the Glasgow Caledonian University will email you a Cost of Attendance to inform you of the amount of loan you can borrow and the types of loans you can borrow. We will also email you an Authorisation form and a Bank Details form.

Step 3 – Complete Entrance Counselling

You must complete Entrance Counselling if you have not previously completed Entrance Counselling for the type of loan you wish to borrow. If you have previously completed Entrance Counselling for the type of federal student loan you wish to borrow whilst at GCU, you may by-pass this step. 

Use the University school code G33423

Step 4 – Complete your Master Promissory Note(s) (MPNs)

Undergraduates: Complete an MPN for the Subsidised and Unsubsidised loans, and, if applicable, your parent should complete a separate MPN for the Parent PLUS loan.

Graduates: Complete one MPN  for the Unsubsidised loan and one for the Grad PLUS loan.

MPNs are completed on Use the University school code G33423.

As we are a foreign school, new MPNs must be completed for each year of study.

Once approved by the system we will be able to view MPNs, so you do not need to send us copies. 

From 2021-22 All borrowers (both students and parents) must complete the Annual Student Loan Acknowledgement on For a Direct PLUS Loan made to a parent borrower, only the parent completes the Annual Student Loan Acknowledgement. 

Important note if this is not done then GCU cannot disburse any funds to you as part of your Financial Package from US Title IV funds.

Step 5 – Apply for the PLUS Loan (if applicable) to create a Credit Check

If you are intending to apply for a PLUS loan, or your parent will be applying for a Parent PLUS loan, you, or the parent, will need to complete the “Apply for a PLUS Loan” section.  This should automatically trigger a Credit Check.  Once approved by the system we will be able to view the Credit Check, so you do not need to send us a copy.

Use the University school code G33423 on your PLUS loan request.

Step 6 - Credit Check (Grad Plus Loans & Parent plus)

If you are eligible and it is your intention to borrow a Grad Plus Loan, this type of loan is credit based.

  • Complete the Grad Plus application on This has an option for the Credit Check.
  • Our code is G33423
  • To obtain a Grad Plus Loan the Credit Check decision must be “Accepted”
  • You do not have to send evidence of this as we can verify acceptance here.

Step 7 – Email us at

Once you have completed steps 1-4, please email us at to let us know you are awaiting a Cost of Attendance from GCU.

Step 8 – Return Forms to Student Funding Office

Once you have received your Cost of Attendance, please confirm the types and amounts of loans you would like to borrow by completing the Financial Aid Offer Request and returning it to You will also need to return your typed Bank Details form via email to

Step 9 – Loan Origination

If steps 1-7 have been successfully completed, the University will originate your loan on the US systems. We are not able to certify your US loans on the US Systems until early July. You will receive a notification letter from us outlining the amount of loans you will receive, your disbursement dates, and the period / academic year your loan relates to. The wording and format of this letter has been agreed with UK Visas and Immigration as acceptable proof of funding for visa applications.

This loan notification letter will be posted to your US address by international signed-for delivery to ensure that you have the original hard-copy documentation required for your visa application.  The UK visa authorities may require you to submit the original documentation - they will not usually accept copies.

For information on visa support and advice, contact the Visa Team.

 To be eligible for Federal Direct Loans, you must:

  • be a US citizen or eligible non-citizen with a valid Social Security number
  • be a student enrolled or accepted for enrolment in an eligible programme at an eligible institution and have a high school diploma*
  • be enrolled at least half-time for the period for which the loan is originated
  • complete the Free Application for Federal Student Aid (FAFSA) annually
  • not be convicted of possessing or selling illegal drugs while receiving financial aid
  • if male and age of 18 - 25, must be registered for Selective Service
  • not be in default on an educational loan and must not owe a repayment on an adjusted federal grant
  • comply with the University's satisfactory academic progress policy

*Students studying for a Diploma or Certificate course at Glasgow Caledonian University or for Distance Learning Courses at any Foreign School are not eligible for Federal Loans.

Private Loans

The only private loan currently available to students at foreign schools is the Smart Loan from Sallie Mae.

To apply please visit

Contact details

Andrea Butler
Telephone: +44 (0)141 331 8770