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BJU recommends federal loans first and private loans only to cover the difference. If you have any questions, email the Financial Aid Office.

Loan Repayment Info

Types of Loans

Federal student loans generally have much lower interest rates than other kinds of loans and can save you money in the long run. You must complete a FAFSA to apply.

Stafford Loans (for students)

Federal Stafford loans are for undergraduate and graduate students with qualifying financial need.

  • Subsidized — The government pays the interest for you during the time you are in school.
  • Unsubsidized — You pay the interest.

BJU Federal Loan Request

These loans must be requested by the student since the student is the borrower. Limits on how much students can borrow per loan are based on dependency status and academic classification.

Plus Loans (for parents)

Parents may borrow federal loans for their student up to the Cost of Attendance (COA) minus any aid already received.

Visit for more information.

PLUS loan applications should be submitted after June 15 of the current year.

Private student loan terms vary from lender to lender. Use the comparison tool from ELMSelect to review private student loans now available to students at BJU. This tool includes a Loan Estimator to help you determine what a private student loan payment might be.

The South Carolina Teachers Loan Programs were established by the State of South Carolina to help talented and qualified students become teachers.