The Catholic University of America

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Special Learning Opportunities
Distance education – undergraduate courses offered, programs not offered
Distance education – graduate programs offered
ROTC (Army, Navy, 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
Roman Catholic
Federal Aid
Eligible students may receive Pell Grants and other federal aid (e.g. Direct Loans).
For-credit instruction programs offered
Academic
Continuing professional
Noncredit education offered
Continuing Professional Education
Credit Accepted
Dual credit
Advanced placement (AP) credits
Faculty and graduate assistants by primary function, Fall 2022Full timePart time
Total faculty451374
Instructional334369
Research and public service1175
Total graduate assistants-286
Instructional-155
Research-131
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$47,746$49,416$52,156$54,1863.9%
Books and supplies$1,000$1,000$1,000$1,0000.0%
Living arrangement
On Campus
Room and board$15,260$15,820$16,020$16,6704.1%
Other$3,150$3,150$3,150$3,1500.0%
Off Campus
Room and board$15,260$15,820$16,020$16,6704.1%
Other$3,150$3,150$4,950$4,9500.0%
Off Campus with Family
Other$3,150$3,150$3,150$3,1500.0%
Total Expenses2019-20202020-20212021-20222022-2023% change 2021-2022 to 2022-2023
On Campus$67,156$69,386$72,326$75,0063.7%
Off Campus$67,156$69,386$74,126$76,8063.6%
Off Campus with Family$51,896$53,566$56,306$58,3363.6%
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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$52,190
Fees$990
  • The Cost of Attendance varies by program.;
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 aid168299%————
Grant or scholarship aid67798%$23,322,191$34,449
Federal grants9414%$588,398$6,260
Pell grants9414%$450,957$4,797
Other federal grants7811%$137,441$1,762
State/local government grant or scholarships284%$62,874$2,246
Institutional grants or scholarships67698%$22,670,919$33,537
Student loan aid37654%$3,817,013$10,152
Federal student loans37254%$1,978,031$5,317
Other student loans7711%$1,838,982$23,883
  • 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 aid12,73294%$87,727,662$32,111
Pell grants35912%$1,731,095$4,822
Federal student loans1,34246%$8,582,434$6,395
Non-degree/non-certificate-seeking
Grant or scholarship aid12492%$91,942$3,831
  • 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$36,228$35,520$36,031
Full-time beginning undergraduate students who were awarded Title IV aid by income.
Average net price by Income2019-20202020-20212021-2022
$0 – $30,000$25,747$24,241$24,529
$30,001 – $48,000$27,863$25,854$20,499
$48,001 – $75,000$27,084$26,915$23,829
$75,001 – $110,000$32,715$27,059$30,696
$110,001 and more$38,300$38,140$38,121
  • 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.
Fall 2022
Total enrollment4,968
Undergraduate enrollment3,011
Undergraduate transfer-in enrollment64
Graduate enrollment1,957
Undergraduate Attendance StatusUndergraduate Student Gender
Undergraduate Attendance Status:Full-time: 93%Part-time: 7%Undergraduate Student Gender:Male: 43%Female: 57%
Undergraduate Race/ethnicity
Undergraduate Race/ethnicity:American Indian or Alaska Native: 0%Asian: 3%Black or African American: 8%Hispanic/Latino: 17%Native Hawaiian or other Pacific Islander: 0%White: 62%Two or more races: 4%Race/ethnicity unknown: 3%U.S. Nonresident: 3%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age:24 and under: 96%25 and over: 4%Age unknown: 0%Undergraduate Student Residence:In-state: 5%Out-of-state: 87%Foreign countries: 7%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: 1%Enrolled in some, but not all, distance education courses: 13%Not enrolled in any distance education courses: 86%
Graduate Attendance Status
Graduate Attendance Status:Full-time: 42%Part-time: 58%
Graduate Distance Education Status
Graduate Enrollment by Distance Education Status:Enrolled exclusively in distance education courses: 18%Enrolled in some, but not all, distance education courses: 14%Not enrolled in any distance education courses: 68%
Undergraduate Admissions Fall 2022
TotalMaleFemale
Number of applicants5,8012,5363,265
Percent admitted86%83%87%
Percent admitted who enrolled15%17%15%
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
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: 88%
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, 88 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: 76%(*) Transfer-out rate:
Percentage of Full-time, First-Time Students Who Graduated or Transferred Out Within 150% of "Normal Time" to Completion for Their Program
  • (*) Not all institutions report transfer-out rates.
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: 68%6-year: 74%8-year: 76%[Began in Fall 2016]4-year: 73%6-year: 76%
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: 72%Female: 79%
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:Asian: 55%Black or African American: 61%Hispanic/Latino: 73%White: 78%Two or more races: 81%Race/ethnicity unknown: 88%U.S. Nonresident: 75%
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
AssociateBachelorMasterDoctor
  • 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.
Architecture and Related Services
Architecture---5932-
Category total---5932-
Area, Ethnic, Cultural, Gender, and Group Studies
Italian Studies---0--
Near and Middle Eastern Studies---0--
Category total---0--
Biological and Biomedical Sciences
Biochemistry---3--
Biology/Biological Sciences, General---1643
Biotechnology----2-
Cell/Cellular Biology and Histology----01
Category total---1964
Business, Management, Marketing, and Related Support Services
Accounting---230-
Business Administration and Management, General0--13330-
Business/Commerce, General---200-
Finance, General---4--
Human Resources Management/Personnel Administration, General0--00-
International Business/Trade/Commerce---0--
International Finance---0--
Management Information Systems, General---0--
Management Science---00-
Marketing/Marketing Management, General---6--
Organizational Leadership----0-
Purchasing, Procurement/Acquisitions and Contracts Management---00-
Category total0--18630-
Communication, Journalism, and Related Programs
Mass Communication/Media Studies---25--
Category total---25--
Computer and Information Sciences and Support Services
Computer Science---1051
Information Science/Studies0---3-
Information Technology0--30-
Category total0--1381
Education
Chemistry Teacher Education-----0
Curriculum and Instruction----1-
Drama and Dance Teacher Education---0--
Early Childhood Education and Teaching---80-
Education, General-2-6--
Educational Leadership and Administration, General-----0
Elementary Education and Teaching---5--
English/Language Arts Teacher Education---10-
French Language Teacher Education---0--
German Language Teacher Education---0--
History Teacher Education---0--
Mathematics Teacher Education---00-
Music Teacher Education----0-
Secondary Education and Teaching----0-
Social Studies Teacher Education---00-
Spanish Language Teacher Education---0--
Special Education and Teaching, General--0-0-
Category total-202010
Engineering
Bioengineering and Biomedical Engineering---1392
Civil Engineering, General---1243
Computer Engineering, General---0--
Electrical and Electronics Engineering---6100
Materials Engineering----0-
Mechanical Engineering---3881
Transportation and Highway Engineering-0--0-
Category total-0-69316
Engineering/Engineering-related Technologies/Technicians
Engineering/Industrial Management----17-
Environmental/Environmental Engineering Technology/Technician---01-
Category total---018-
English Language and Literature/Letters
English Language and Literature, General---513
Category total---513
Foreign Languages, Literatures, and Linguistics
Ancient Near Eastern and Biblical Languages, Literatures, and Linguistics----01
Ancient/Classical Greek Language and Literature----1-
Classics and Classical Languages, Literatures, and Linguistics, General-1-210
French Language and Literature---3--
German Language and Literature---0--
Hebrew Language and Literature----00
Latin Language and Literature-0--1-
Middle/Near Eastern and Semitic Languages, Literatures, and Linguistics, General----31
Middle/Near Eastern and Semitic Languages, Literatures, and Linguistics, Other----21
Spanish Language and Literature---421
Category total-1-9104
Health Professions and Related Programs
Adult Health Nurse/Nursing-0--2-
Clinical Laboratory Science/Medical Technology/Technologist---0--
Family Practice Nurse/Nursing----1-
Health Services Administration----5-
Nursing Practice-----2d
Nursing Science----76
Pediatric Nurse/Nursing-0--0-
Public Health/Community Nurse/Nursing----0-
Registered Nursing/Registered Nurse-6-6642
Category total-6-661910d
History
American History (United States)----1-
European History----0-
History, General---1631
Category total---1641
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Fire Services Administration----2-
Homeland Security, Law Enforcement, Firefighting and Related Protective Services, Other----0-
Category total----2-
Legal Professions and Studies
Advanced Legal Research/Studies, General----4-
Law-----113
Legal Studies----0-
Category total----4113
Liberal Arts and Sciences, General Studies and Humanities
General Studies---4--
Category total---4--
Library Science
Library and Information Science00--29-
Category total00--29-
Mathematics and Statistics
Financial Mathematics---1--
Mathematics, General---52-
Category total---62-
Mechanic and Repair Technologies/Technicians
Electrical/Electronics Equipment Installation and Repair Technology/Technician, General0-----
Mechanic and Repair Technologies/Technicians, Other0-----
Category total0-----
Multi/Interdisciplinary Studies
Medieval and Renaissance Studies-2-121
Multi-/Interdisciplinary Studies, Other----10
Category total-2-131
Philosophy and Religious Studies
Philosophy---2394
Religion/Religious Studies---17--
Category total---4094
Physical Sciences
Chemistry, General---3--
Chemistry, Other---10-
Materials Science2--02-
Physics, General---146
Physics, Other----4-
Category total2--5106
Psychology
Clinical Psychology-----6
Developmental and Child Psychology-----1
Educational Psychology-----0
Experimental Psychology----03
Psychology, General---76130
Category total---761310
Public Administration and Social Service Professions
Human Services, General--2-0-
Public Policy Analysis, Other----7-
Social Work---121101
Category total--2121171
Social Sciences
American Government and Politics (United States)----1-
Anthropology, General---200
Criminology---12--
Development Economics and International Development----5-
Econometrics and Quantitative Economics---262-
Economics, General---0--
Economics, Other---0--
International Economics---1--
International Relations and Affairs----0-
Political Science and Government, General---7050
Social Sciences, General---2--
Sociology, General---50-
Category total---118130
Theology and Religious Vocations
Bible/Biblical Studies----02
Divinity/Ministry----200
Pastoral Counseling and Specialized Ministries, Other-----0
Pre-Theology/Pre-Ministerial Studies-5----
Religious Education----61
Theology and Religious Vocations, Other----3820
Theology/Theological Studies----110
Category total-5--7523
Visual and Performing Arts
Acting----0-
Art History, Criticism and Conservation---0--
Art/Art Studies, General1--0--
Conducting----00
Directing and Theatrical Production----0-
Drama and Dramatics/Theatre Arts, General---211-
Fine/Studio Arts, General---2--
Keyboard Instruments---013
Music History, Literature, and Theory---001
Music Pedagogy-0-000
Music Performance, General---11--
Music Theory and Composition---110
Music, General---721
Playwriting and Screenwriting----0-
Stringed Instruments----13
Theatre Literature, History and Criticism----0-
Voice and Opera---112
Category total10-241710
Grand total3162773454197
Athletics Participation
  • Sanction Body: NCAA Division III with football
Varsity Men's and Women's TeamsMenWomen
Baseball42
Basketball1724
Field Hockey31
Football94
Golf109
Lacrosse6037
Rowing2627
Soccer3031
Softball26
Swimming and Diving3033
Tennis1017
Track and Field, Outdoor4141
Volleyball19
Institutional Accreditation
AccreditorStatusNext Review Date
Middle States Commission on Higher EducationAccredited since ((!)07/01/1921)01/01/2028
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
Accreditation Commission for Education in Nursing, Inc. – May 6, 2013 Formerly: National League for Nursing Accrediting Commission
Nursing (MNUR) - Master's programAccredited (12/01/1952 - 12/31/2007)
Nursing (NUR) - Baccalaureate programAccredited (12/01/1951 - 12/31/2007)
American Bar Association, Council of the Section of Legal Education and Admissions to the Bar
Law (LAW) - Professional schoolsAccredited since ((!)01/01/1925)08/31/2025
American Psychological Association, Commission on Accreditation
Clinical Psychology (CLPSY) - PhD Doctoral programsAccredited since (02/01/1948)12/31/2029
Commission on Accrediting of the Association of Theological Schools
Theology (THEOL) - Freestanding schools, as well as programs affiliated with larger institutions, offering graduate professional education for ministry and graduate study of theologyAccredited since (07/01/1980)07/31/2027
Commission on Collegiate Nursing Education
Nursing (CNDNP) - Nursing education programs at the doctorate degree levelsAccredited since (11/07/2011)8/1/2026
Nursing (CNURED) - Nursing education programs at the baccalaureate degree levelsAccredited since (04/21/2007)8/1/2026
Nursing (CNURED) - Nursing education programs at the graduate degree levelsAccredited since (04/21/2007)8/1/2026
 No Longer Recognized  National Council for Accreditation of Teacher Education
Teacher Education (TED) - Baccalaureate and graduate programs for the preparation of teachers and other professional personnel for elementary and secondary schoolsAccredited since (12/30/1975)12/31/2014
Internship/Residency
Accreditor / Program / DepartmentStatusNext Review Date
American Psychological Association, Commission on Accreditation
Professional Psychology (IPSY) - Predoctoral internship programs CUA Counseling CenterAccredited since (09/29/2009)12/31/2030
  • (!) Estimated date
  • 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/108825.
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape203
d. Fondling201
e. Incest000
f. Statutory Rape000
g. Robbery002
h. Aggravated assault300
i. Burglary600
j. Motor vehicle theft011
k. Arson000
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence303
c. Stalking020
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations000
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.100
b. Drug abuse violations522616
c. Liquor law violations2179073
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. Rape203
d. Fondling200
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary200
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence303
c. Stalking000
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations000
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.100
b. Drug abuse violations502616
c. Liquor law violations1998868
  • 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
  • Additional information about Catholic University services available to veterans, military servicemembers, and their families can be found at: https://www.catholic.edu/admission/military-and-veterans/index.html
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: 52Post-9/11 GI Bill Benefits - graduates: 53DoD Tuition Assistance Program - undergraduates: 0DoD Tuition Assistance Program - graduates: 3
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: $33,080Post-9/11 GI Bill Benefits - graduates: $22,174
  • (*) One or more average amounts of benefits/assistance are withheld to preserve the privacy of individuals.
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: 60%Part-time students: 100%
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%1.2%2.4%
Number in default11429
Number in repayment1,0111,1441,183
Aid Programs
  • Federal Direct Loan (Direct Loan)