Student Loan Information

Student Loans are available to:  

·        Classified, degree-seeking students, and

·        Enrolled at least half time (6 credits for Undergraduates, 4 credits for Graduates) at UH Manoa.  

Receipt of an educational student loan is a serious obligation. You are required to complete an Entrance Interview and sign a Master Promissory Note in order to receive your loan funds. It is extremely important that you understand your rights and responsibilities as stated on the Promissory Note.  

Repayment begins after you graduate, drop below half time status, withdraw, or do not plan to return to UHM for the next semester.  Depending on the type of loan, the grace period for repayment will differ.  

If you re-enroll at least half time at UHM or any other institution, enter into certain areas of service, become ill or unemployed, you may be able to defer your payments by notifying your lender and completing a deferment form.  

You may prepay at any time without penalty and decrease the interest, but if you fail to make any loan payment as agreed or fail to submit the proper deferment or cancellation from, the total loan may become due and payable immediately, and legal action could be taken against you.  

If you cannot make a loan payment, contact your lender immediately to make arrangements.  Failure to contact your lender will result in your loan going into a default status.  

If you default on your loan payment, you will be penalized.  Future Financial Aid requests will be denied until your loan default status is cleared with the U.S. Department of Education.  

Types of Student Loans:  

Federal Subsidized/Unsubsidized Stafford Loan 

Federal Perkins Loan   

State Higher Education Loan (SHEL)

PLUS loan for Graduate/Professional Students

Alternative Student Loans