US Student Loans

We are authorised to administer the following US Financial Aid options for those who are eligible:

• Federal Direct Loans
• Private Education loans (Sallie Mae/Earnest)
• US Veterans Affairs Educational Benefits (VA/GI Bill)

Federal Loans are available to United States (US) students attending Manchester via the Direct Loan Program. This website sets out the processes necessary to ensure that students have their Federal Loans secured prior to commencing their studies. The first step in the process requires students to complete their Free Application for Federal Student Aid (FAFSA) in the usual manner before providing us with details of their Student Aid Report.

Please note all the information contained in these pages are based on the latest available information and may be subject to change.

Should you have any further questions please email the Student Finance (DSE) team here.

One Big Beautiful Bill Act

Important Update for U.S. Federal Loan Students
The One Big Beautiful Bill Act (OBBBA), signed into law in July 2025, introduces major changes to Federal Student Loan programmes. There are no changes for the 2025–26 academic year; however, new starters from the 2026–27 academic year will be affected by legislation taking effect from 1 July 2026. For more information on OBBBA changes please see our Federal Loans page. Students already attending and with loans should refer to the Pre-OBBA limits. 

Disclaimer: The information on our webpages is administered by the Student Finance team at the University of Manchester. This is based on our understanding of current changes to the federal student loan programme. It is not definitive official guidance and students should always refer to the official federal guidance. See more OBBBA information here.