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Our Best Answer: What are the eligibility requirements for a Federal Direct Loan (FDL)?

Eligibility Requirements for Federal Direct Loans (FDL)

To be eligible for a Federal Direct Loan, you must:

  • be  a U.S. Citizen or Eligible Non-Citizen
  • be enrolled in a degree program and registered for a minimum of 6 undergraduate credits for the semester(s) that you are applying for
  • have at least a 2.0 cumulative GPA unless it is your first semester at the college
  • meet all eligibility requirements for federal financial aid
  • demonstrate financial need for the loan. Financial need is demonstrated when your EFC (Expected Family Contribution) plus the loan amount plus any other financial aid you are receiving adds up to less than your cost of attendance

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