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Loans

The U.S. Department of Education administers and oversees several loan programs designed to offer low-interest funding to students and their parents who need assistance covering the cost of education. These include Federal Direct Subsidized and Unsubsidized Loans and Federal Direct PLUS Loans.

These federal loans offer fixed interest rates, built-in consumer protections, and flexible repayment options that are not available through private loan programs. All loans must be accepted through PAWS before the end of the semester to be disbursed.

ECMC Learning: Financial Literacy for Students

CSU Pueblo partners with ECMC Learning to provide an interactive financial literacy platform available to all students. We encourage you to take proactive steps—ask for help, educate yourself, and take control of your finances.

The platform includes short courses, articles, videos, and calculators on topics such as:

Budgeting, saving, and investing
Scholarships and financial aid
Career development
Managing student loan debt

Visit the ECMC Learning platform , create an account, and start exploring to strengthen your financial confidence.

Questions or Need Assistance?

Contact Student Financial Services
📧 financialaid@csupueblo.edu
☎ 719-549-2753 | 📍 Administration Building, Room 203

Important Update: Federal Student Loan Changes

The One Big Beautiful Bill Act (OBBBA), enacted in July 2025, introduces updates to federal student loan limits and how aid is awarded.

There are no changes for the 2025–2026 academic year. However, new guidelines will take effect beginning with the 2026–2027 academic year.

One Big Beautiful Bill Act (OBBBA) — FAQ

When does the One Big Beautiful Bill Act (OBBBA) start affecting my financial aid?

The changes begin with the 2026–2027 academic year. There are no changes for 2025–2026.

Are undergraduate federal loan limits changing?

No.

Dependent students: Up to $31,000 total
Independent students: Up to $57,500 total

In both cases, no more than $23,000 can be subsidized.

What are the new graduate loan limits?

The annual loan limit remains $20,500.

Graduate lifetime limits are changing to $100,000 (not including undergraduate loans).

What is loan proration?

Starting July 1, 2026, federal loans will be adjusted based on your enrollment level.

Formula:
(Credits taken ÷ Full-time credits) × Loan amount

Example:
(9 ÷ 12) × $1,750 = $1,313

You cannot receive more than 50% of your annual loan in a single semester.

Loans will be prorated if:

Undergraduate students take fewer than 12 credits
Graduate students take fewer than 9 credits

Are Parent PLUS Loans changing?

Yes. Beginning July 1, 2026:

Annual limit: $20,000 per student
Lifetime limit: $65,000 per student

Parents who borrowed before this date may continue under previous rules for up to 3 years or until the student completes their program (whichever comes first), as long as the student remains continuously enrolled.

Are Graduate PLUS Loans going away?

Yes. Graduate PLUS Loans will no longer be available to new borrowers after July 1, 2026.

Students who borrowed any direct loan prior to that date may continue receiving them for up to 3 additional years or the remainder of their program (whichever comes first).

Who can I talk to if I have questions?

Student Financial Services can help you understand how these changes impact your specific situation.

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Advising

The PACK Center and HSB Advising are available to assist you. Stop by or call for support. PACK: 719-549-2584, HSB: 719-549-2142, & Online: 719-549-2200.