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Texas Christian University

2800 S University Dr
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Admissionsadmissions.tcu.edu/
Apply Onlineadmissions.tcu.edu/apply/
Financial Aidfinancialaid.tcu.edu/
Net Price Calculatorfinancialaid.tcu.edu/cost/net-price-calculator.php
Tuition Policies for Servicemembers and Veteranswww.financialaid.tcu.edu/veterans/
Disability Serviceswww.tcu.edu/access-accommodation/index.php
Athletic Graduation Rateswww.tcu.edu/compliance/legal-disclosures.php
Mission Statement
  www.tcu.edu/about/mission-history.php
Special Learning Opportunities
Distance education – undergraduate courses offered, programs not offered
Distance education – graduate programs offered
ROTC (Army, Air Force)
Study abroad
Weekend/evening college
Teacher certification (below the postsecondary level)
Student Services
Academic/career counseling service
Employment services for students
Placement services for completers
Undergraduate students enrolled who are formally registered with office of disability services
12.00%
Carnegie Classification
Doctoral Universities: High Research Activity
Religious Affiliation
Christian Church (Disciples of Christ)
Federal Aid
Eligible students may receive Pell Grants and other federal aid (e.g. Direct Loans).
For-credit instruction programs offered
Occupational
Academic
Continuing professional
Recreational or avocational (leisure) programs
Noncredit education offered
Workforce Education
Contract Training/Customized Training
Recreational/Avocational/Leisure/Personal Enrichment
Continuing Professional Education
Credit Accepted
Dual credit
Credit for life experiences
Advanced placement (AP) credits
Faculty and graduate assistants by primary function, Fall 2022Full timePart time
Total faculty737447
Instructional710445
Research and public service272
Total graduate assistants-46
Instructional-46
Research-0
Estimated Expenses for Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Estimated expenses for academic year2019-20202020-20212021-20222022-2023% change 2021-2022 to 2022-2023
Tuition and fees$49,250$51,660$51,660$53,9804.5%
Books and supplies$900$900$900$9000.0%
Living arrangement
On Campus
Room and board$13,200$14,040$14,040$14,2501.5%
Other$5,064$5,228$5,228$3,980-23.9%
Off Campus
Room and board$13,200$14,040$14,040$14,2501.5%
Other$5,064$5,228$5,228$3,980-23.9%
Off Campus with Family
Other$4,724$4,788$4,788$3,980-16.9%
Total Expenses2019-20202020-20212021-20222022-2023% change 2021-2022 to 2022-2023
On Campus$68,414$71,828$71,828$73,1101.8%
Off Campus$68,414$71,828$71,828$73,1101.8%
Off Campus with Family$54,874$57,348$57,348$58,8602.6%
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This calculator uses estimated student expenses data to estimate the total tuition and fees charged over the duration of a typical 4-year program at this school.
1. Select starting academic year
2. Select tuition inflation rate
 
 
% (0-100 allowed)
  • The output is only an estimate and not a guarantee of the actual amount the student may be charged; it is not binding on the Secretary, the institution of higher education, or the State; and it may change, subject to the availability of financial assistance, State appropriations, and other factors. The student must complete the Free Application for Federal Student Aid (FAFSA) to be eligible for, and receive, an actual financial aid award that includes federal grant, loan, or work-study assistance.
  • The estimated price does not include room and board, books and supplies, &c. (where applicable) and is based on previous years' tuition and fees data. Tuition and fees may vary by program. Please contact this institution for detailed price information.
  • Estimated yearly tuition and fees may not sum to totals because of rounding.
Estimate the total tuition and fee costs over the duration of a typical program.
 Multiyear Tuition Calculator
Average graduate student tuition and fees for academic year2022-2023
Tuition$33,660
Fees$48
Alternative Tuition Plans and Promise Program
Type of PlanOffered
Tuition guarantee plan
Prepaid tuition plan
Tuition payment planX
Other alternative tuition plan
  • Does not participate in Promise program
Undergraduate Student Financial Aid, 2021-2022
Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Type of AidNumber awarded aidPercent awarded aidTotal amount of aid awardedAverage amount of aid awarded
Any student financial aid12,34792%————
Grant or scholarship aid2,26489%$63,499,618$28,048
Federal grants74929%$3,267,377$4,362
Pell grants29712%$1,462,139$4,923
Other federal grants72228%$1,805,238$2,500
State/local government grant or scholarships26710%$1,081,327$4,050
Institutional grants or scholarships2,24888%$59,150,914$26,313
Student loan aid75730%$10,824,475$14,299
Federal student loans72028%$3,770,014$5,236
Other student loans25310%$7,054,461$27,883
  • 1 Includes students awarded Federal work study aid and aid from other sources not listed above.
All Undergraduate Students
Type of AidNumber awarded aidPercent awarded aidTotal amount of aid awardedAverage amount of aid awarded
Degree/certificate-seeking
Grant or scholarship aid18,16180%$235,908,201$28,907
Pell grants1,25812%$6,243,756$4,963
Federal student loans2,60926%$16,731,034$6,413
Non-degree/non-certificate-seeking
Grant or scholarship aid1686%$84,286$14,048
  • 1 Grant or scholarship aid includes aid awarded, from the federal government, state or local government, the institution, and other sources known by the institution.

  • For more information on Student Financial Assistance Programs or to apply for financial aid via the web, visit Federal Student Aid.
Average Net Price for Full-Time Beginning Students
Full-time beginning undergraduate students who were awarded grant or scholarship aid from federal, state or local governments, or the institution.
2019-20202020-20212021-2022
Average net price$40,220$42,574$44,190
Full-time beginning undergraduate students who were awarded Title IV aid by income.
Average net price by Income2019-20202020-20212021-2022
$0 – $30,000$25,170$29,390$28,156
$30,001 – $48,000$24,552$27,804$24,475
$48,001 – $75,000$33,018$29,681$28,768
$75,001 – $110,000$37,321$35,198$36,292
$110,001 and more$49,666$49,769$48,613
  • Average net price is generated by subtracting the average amount of federal, state/local government, or institutional grant or scholarship aid from the total cost of attendance. Total cost of attendance is the sum of published tuition and required fees, books and supplies, and the weighted average for room and board and other expenses.
  • Beginning students are those who are entering postsecondary education for the first time.
  • Title IV aid to students includes grant aid, work study aid, and loan aid. These include: Federal Pell Grant, Federal Supplemental Educational Opportunity Grant (FSEOG), Academic Competitiveness Grant (ACG), National Science and Mathematics Access to Retain Talent Grant (National SMART Grant), Teacher Education Assistance for College and Higher Education (TEACH) Grant, Federal Work-Study, Federal Perkins Loan, Subsidized Direct or FFEL Stafford Loan, and Unsubsidized Direct or FFEL Stafford Loan. For those Title IV recipients, net price is reported by income category and includes students awarded federal aid even if none of that aid was provided in the form of grants. While Title IV status defines the cohort of student for which the data are reported, the definition of net price remains the same – total cost of attendance minus grant aid.
Net Price Calculator
An institution’s net price calculator allows current and prospective students, families, and other consumers to estimate the net price of attending that institution for a particular student.
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Fall 2022
Total enrollment12,273
Undergraduate enrollment10,523
Undergraduate transfer-in enrollment390
Graduate enrollment1,750
Undergraduate Attendance StatusUndergraduate Student Gender
Undergraduate Attendance Status:Full-time: 98%Part-time: 2%Undergraduate Student Gender:Male: 38%Female: 62%
Undergraduate Race/ethnicity
Undergraduate Race/ethnicity:American Indian or Alaska Native: 0%Asian: 2%Black or African American: 4%Hispanic/Latino: 17%Native Hawaiian or other Pacific Islander: 0%White: 65%Two or more races: 4%Race/ethnicity unknown: 2%U.S. Nonresident: 5%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age:24 and under: 97%25 and over: 3%Age unknown: 0%Undergraduate Student Residence:In-state: 43%Out-of-state: 52%Foreign countries: 5%Unknown: 0%
  • Age data are reported for Fall 2021.
  • Residence data are reported for first-time degree/certificate-seeking undergraduates.
Undergraduate Distance Education Status
Undergraduate Enrollment by Distance Education Status:Enrolled exclusively in distance education courses: 0%Enrolled in some, but not all, distance education courses: 0%Not enrolled in any distance education courses: 100%
Graduate Attendance Status
Graduate Attendance Status:Full-time: 93%Part-time: 7%
Graduate Distance Education Status
Graduate Enrollment by Distance Education Status:Enrolled exclusively in distance education courses: 14%Enrolled in some, but not all, distance education courses: 10%Not enrolled in any distance education courses: 76%
Undergraduate application fee (2022-2023): $50
Undergraduate Admissions Fall 2022
TotalMaleFemale
Number of applicants16,1976,2609,937
Percent admitted56%49%61%
Percent admitted who enrolled27%28%27%
Admissions ConsiderationsRequired to be consideredNot required, but consideredNot considered
Secondary school GPAX
Secondary school rankX
Secondary school recordX
Completion of college-preparatory programX
RecommendationsX
Formal demonstration of competenciesX
Work experienceX
Personal statement or essayX
Legacy statusNot applicableX
Admission test scoresRequired to be consideredNot required, but considered (Test Optional)Not considered (Test Blind)
SAT / ACTX
Other Test (Wonderlic,WISC-III,etc)X
English Proficiency TestX
Test Scores: Fall 2022 (enrolled first-time students)
Students submitting scoresNumberPercent
SAT45818%
ACT50520%
Test Scores25th Percentile*50th Percentile** (median)75th Percentile***
NOTES:
*   25% of students scored at or below
**  50% of students scored above and 50% scored below (i.e., midpoint of the test score distribution)
*** 25% of students scored above
SAT Evidence-Based Reading and Writing580630680
SAT Math560630680
ACT Composite262931
ACT English253034
ACT Math252730
  • Data apply to first-time degree/certificate-seeking students.
  • Institutions are asked to report test scores only if they are required for admission. If an institution reports less than 5 students for any of the test scores, percentiles are not reported.
  • The formal demonstration of competencies are only required for certain programs. For example, TCU’s Department of Design requires a portfolio to be submitted.
First-to-Second Year Retention Rates

Retention rates measure the percentage of first-time students who are seeking bachelor's degrees who return to the institution to continue their studies the following fall.

Retention Rates for First-Time Students Pursuing Bachelor's Degrees
Student retention:Full-time students: 92%Part-time students: 60%
Percentage of Students Who Began Their Studies in Fall 2021 and Returned in Fall 2022
Overall Graduation Rate and Transfer-Out Rate

The overall graduation rate is also known as the "Student Right to Know" or IPEDS graduation rate. It tracks the progress of students who began their studies as full-time, first-time degree- or certificate-seeking students to see if they complete a degree or other award such as a certificate within 150% of "normal time" for completing the program in which they are enrolled.

Some institutions also report a transfer-out rate, which is the percentage of the full-time, first-time students who transferred to another institution without completing at the current institution.

Note that not all students at the institution are tracked for these rates. Students who have already attended another postsecondary institution, or who began their studies on a part-time basis, are not tracked for this rate. At this institution, 86 percent of entering students were counted as "full-time, first-time" in 2022.

Overall Graduation and Transfer-Out Rates for Students Who Began Their Studies in Fall 2016
Overall graduation rate:Overall graduation rate: 84%Transfer-out rate: 13%
Percentage of Full-time, First-Time Students Who Graduated or Transferred Out Within 150% of "Normal Time" to Completion for Their Program
Bachelor's Degree Graduation Rates

Bachelor’s degree graduation rates measure the percentage of entering students beginning their studies full-time and are planning to get a bachelor’s degree and who complete their degree program within a specified amount of time.

Graduation Rates for Students Pursuing Bachelor's Degrees
Bachelor's degree rate:[Began in Fall 2014]4-year: 70%6-year: 82%8-year: 82%[Began in Fall 2016]4-year: 73%6-year: 84%
Percentage of Full-time, First-time Students Who Graduated in the Specified Amount of Time and Began in Fall 2014 or Fall 2016
6-Year Graduation Rate by Gender for Students Pursuing Bachelor's Degrees
6-Year Graduation Rate by Gender for Students Pursuing Bachelor's Degrees:Male: 80%Female: 87%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2016 and Received a Degree or Award Within 150% of "Normal Time" to Completion for Their Program
6-Year Graduation Rate by Race/Ethnicity for Students Pursuing Bachelor's Degrees
6-Year Graduation Rate by Race/Ethnicity for Students Pursuing Bachelor's Degrees:American Indian or Alaska Native: 82%Asian: 80%Black or African American: 70%Hispanic/Latino: 82%Native Hawaiian or other Pacific Islander: 33%White: 85%Two or more races: 64%Race/ethnicity unknown: 83%U.S. Nonresident: 87%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2016 and Received a Degree or Award Within 150% of "Normal Time" to Completion for Their Program
Completions (Number of awards conferred) 2021-2022
Completions are the number of awards conferred by program and award level.
sort byProgramUndergraduate
Certificate		Postgraduate
Certificate		BachelorMasterDoctor
  • Data shown are for first majors.
  • (-) Program is not offered at this award level.
  • d identifies programs and award levels that are offered as a distance education program. For program category totals, d is shown if one or more programs in the category are offered as a distance education program.
Agricultural/Animal/Plant/Veterinary Science and Related Fields
Farm/Farm and Ranch Management3-4--
Category total3-4--
Area, Ethnic, Cultural, Gender, and Group Studies
Ethnic Studies--2--
Women's Studies--2--
Category total--4--
Biological and Biomedical Sciences
Biochemistry--5--
Biology/Biological Sciences, General--88101
Biophysics----1
Neuroscience--17--
Category total--110102
Business, Management, Marketing, and Related Support Services
Accounting--8252-
Actuarial Science--11--
Business Administration and Management, General--28102-
Business, Management, Marketing, and Related Support Services, Other---6-
Entrepreneurship/Entrepreneurial Studies--38--
Fashion Merchandising--40--
Finance, General--184--
Logistics, Materials, and Supply Chain Management-103310-
Management Sciences and Quantitative Methods, Other---38-
Marketing/Marketing Management, General--127--
Real Estate--76--
Research and Development Management---23-
Category total-10619231-
Communication, Journalism, and Related Programs
Journalism--30--
Mass Communication/Media Studies--8--
Public Relations, Advertising, and Applied Communication--1479-
Radio, Television, and Digital Communication, Other--43--
Speech Communication and Rhetoric--1076-
Category total--33515-
Computer and Information Sciences and Support Services
Computer and Information Sciences, General--24--
Computer Systems Analysis/Analyst--53--
Information Technology--2--
Category total--79--
Education
Art Teacher Education--2--
Counselor Education/School Counseling and Guidance Services---102
Curriculum and Instruction---301
Early Childhood Education and Teaching--49--
Education, General--3--
Education/Teaching of Individuals with Hearing Impairments Including Deafness--4--
Educational Leadership and Administration, General-2-266
English/Language Arts Teacher Education--3--
Higher Education/Higher Education Administration----3
Music Teacher Education--341-
Physical Education Teaching and Coaching--6--
Science Teacher Education/General Science Teacher Education----2
Social Studies Teacher Education--3--
Special Education and Teaching, General---13-
Category total-21048014
Engineering
Engineering, General--41--
Category total--41--
Engineering/Engineering-related Technologies/Technicians
Energy Systems Technology/Technician-0---
Category total-0---
English Language and Literature/Letters
English Language and Literature, General--1331
Rhetoric and Composition----2
Writing, General--11--
Category total--2433
Foreign Languages, Literatures, and Linguistics
French Language and Literature--3--
Spanish Language and Literature--9--
Category total--12--
Health Professions and Related Programs
Athletic Training/Trainer--6--
Clinical Nurse Specialist---21d
Family Practice Nurse/Nursing----8
Health Services/Allied Health/Health Sciences, General--22-
Movement Therapy and Movement Education--36--
Nurse Anesthetist020d--68
Nursing Administration---2d2d
Nursing Education---2d-
Nursing Practice----4d
Nursing Science----1
Registered Nursing/Registered Nurse--180--
Speech-Language Pathology/Pathologist--3520-
Category total020d25928d84d
History
History, General--1623
Category total--1623
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Criminal Justice/Law Enforcement Administration-5---
Criminal Justice/Safety Studies--6317d-
Category total-56317d-
Liberal Arts and Sciences, General Studies and Humanities
General Studies--51--
Liberal Arts and Sciences/Liberal Studies---37d-
Category total--5137d-
Mathematics and Statistics
Mathematics, General--21--
Category total--21--
Multi/Interdisciplinary Studies
Multi-/Interdisciplinary Studies, General--2--
Natural Sciences--21--
Nutrition Sciences--21--
Category total--44--
Natural Resources and Conservation
Environmental Science--95-
Category total--95-
Parks, Recreation, Leisure, Fitness, and Kinesiology
Exercise Science and Kinesiology---53
Sports, Kinesiology, and Physical Education/Fitness, General--5--
Category total--553
Philosophy and Religious Studies
Philosophy--2--
Religion/Religious Studies--1--
Category total--3--
Physical Sciences
Astronomy and Astrophysics, Other--5--
Astrophysics----1
Chemistry, General--324
Geological and Earth Sciences/Geosciences, Other--2--
Geology/Earth Science, General--54-
Physics, General--34-
Physics, Other----1
Category total--18106
Psychology
Developmental and Child Psychology--254-
Psychology, General--8744
Category total--11284
Public Administration and Social Service Professions
Social Work--1519-
Youth Services/Administration--11--
Category total--2619-
Social Sciences
Anthropology, General--3--
Economics, General--95--
Geography--9--
International Economics--7--
International Relations and Affairs--4--
Political Science and Government, General--76--
Sociology, General--14--
Category total--208--
Theology and Religious Vocations
Religious/Sacred Music--1--
Category total--1--
Visual and Performing Arts
Acting--5--
Art History, Criticism and Conservation--65-
Ballet--8--
Conducting---4-
Dance, General--8--
Design and Visual Communications, General--6--
Directing and Theatrical Production--2--
Drama and Dramatics/Theatre Arts, General--4--
Fine/Studio Arts, General--34-
Graphic Design--28--
Interior Design--15--
Keyboard Instruments--131
Music Performance, General0591-
Music Theory and Composition--22-
Music, General--11--
Musical Theatre--10--
Painting--2--
Printmaking--1--
Stringed Instruments--33-
Voice and Opera--24-
Category total05126261
Grand total3422,294496120
Athletics Participation
  • Sanction Body: NCAA Division I-FBS
Varsity Men's and Women's TeamsMenWomen
All Track Combined9771
Baseball42–
Basketball1832
Beach Volleyball–20
Equestrian–41
Football145–
Golf138
Rifle–9
Soccer–29
Swimming and Diving3229
Tennis109
Volleyball–19
Institutional Accreditation
AccreditorStatusNext Review Date
Southern Association of Colleges and Schools, Commission on CollegesAccredited since (01/01/1922)12/12/2023
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
Academy of Nutrition and Dietetics, Accreditation Council for Education in Nutrition and Dietetics
Didactic Program in DieteticsAccredited since (11/01/1979)06/30/2029
Dietetics (DIET) - Coordinated Program in DieteticsAccredited since (01/01/1975)06/30/2029
American Speech-Language-Hearing Association, Council on Academic Accreditation in Audiology and Speech-Language Pathology
Speech-Language Pathology (SLP) - Graduate degree programsAccredited since (09/01/1987)08/01/2022
Commission on Collegiate Nursing Education
Nursing (CNDNP) - Nursing education programs at the doctorate degree levelsAccredited since (02/10/2010)06/30/2031
Nursing (CNURED) - Nursing education programs at the baccalaureate degree levelsAccredited since (04/21/2001)06/30/2031
Nursing (CNURED) - Nursing education programs at the graduate degree levelsAccredited since (05/03/2003)06/30/2031
Council on Accreditation of Nurse Anesthesia Educational Programs
Nurse Anesthesia (ANEST) - Institutions and programs at the master's degree, post master's certificate or doctoral degree levelsAccredited since (06/05/2003)10/31/2026
Liaison Committee on Medical Education
Medicine (MED) - Programs leading to the M.D. degreeAccredited since (06/15/2023)12/29/2028
  • For more detailed information on accreditation for this institution, including all actions and justification for actions, visit OPE's Database of Accredited Postsecondary Institutions and Programs: ope.ed.gov/dapip/#/institution-profile/146375.
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape91722
d. Fondling244
e. Incest000
f. Statutory Rape000
g. Robbery200
h. Aggravated assault010
i. Burglary1483
j. Motor vehicle theft425
k. Arson110
VAWA Offenses201920202021
a. Domestic violence102
b. Dating violence5717
c. Stalking444
Arrests201920202021
a. Weapons: carrying, possessing, etc.100
b. Drug abuse violations102
c. Liquor law violations6115
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.031
b. Drug abuse violations7613749
c. Liquor law violations6831117834
On-Campus Student Housing Facilities
  • On-campus Student Housing Facilities statistics are a subset of On-Campus statistics.
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape91622
d. Fondling244
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary552
j. Motor vehicle theft000
k. Arson110
VAWA Offenses201920202021
a. Domestic violence102
b. Dating violence4617
c. Stalking410
Arrests201920202021
a. Weapons: carrying, possessing, etc.100
b. Drug abuse violations000
c. Liquor law violations200
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.021
b. Drug abuse violations7413248
c. Liquor law violations5991041769
  • The crime data reported by the institutions have not been subjected to independent verification by the U.S. Department of Education. Therefore, the Department cannot vouch for the accuracy of the data reported here.
  • The crime statistics displayed only includes On-Campus data associated with the main campus as listed on College Navigator. For statistics associated with each campus location, off campus data, and for additional information covering Hate Crimes, and Fire statistics see https://ope.ed.gov/campussafety.
  • The On-Campus data do not include incidents that: (a) took place on public property, including thoroughfares, streets, sidewalks, and parking facilities, that is within the campus, or immediately adjacent to and accessible from the campus; (b) took place on any building or property owned or controlled by a student organization that is officially recognized by the institution; or (c) took place on any building or property owned or controlled by an institution that is used in direct support of, or in relation to, the institution's educational purposes, is frequently used by students, and is not within the same reasonably contiguous geographic area of the institution.
Services and Programs for Servicemembers and Veterans
Yellow Ribbon Program (officially known as Post-9/11 GI Bill, Yellow Ribbon Program)
Credit for military training
Dedicated point of contact for support services for veterans, military servicemembers, and their families
Recognized student veteran organization
Member of Department of Defense Voluntary Educational Partnership Memorandum of Understanding
Tuition policies specifically for Veterans and Servicemembers
Educational Benefits, 2021-2022
Number of students receiving benefits/assistance
Number of students receiving benefits/assistance:Post-9/11 GI Bill Benefits - undergraduates: 284Post-9/11 GI Bill Benefits - graduates: 73DoD Tuition Assistance Program - undergraduates: 0DoD Tuition Assistance Program - graduates: 0
Average amount of benefits/assistance disbursed through the institution
Average amount of benefits/assistance disbursed through the institution:Post-9/11 GI Bill Benefits - undergraduates: $35,171Post-9/11 GI Bill Benefits - graduates: $23,205
RETENTION RATES
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS PURSUING BACHELOR'S DEGREES
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS PURSUING BACHELOR'S DEGREESFull-time students: 86%Part-time students: 0%
Retention rate is the percentage of undergraduate students who began their studies in academic year 2013-14 and returned in academic year 2014-15
Three-year Official Cohort Default Rates
Fiscal Year202020192018
Default rate0.0%1.5%2.7%
Number in default02036
Number in repayment1,3241,2851,309
  • These default rates apply to all locations of this institution.
Aid Programs
  • Federal Direct Loan (Direct Loan)