Guide to Applying for Federal Student Loans...

BTS offers financial aid in the form of BTS grants, scholarships, entitlements, veterans' benefits and federal student loans. In order to determine eligibility for BTS grants, scholarships and entitlements the student must complete the BTS Financial Aid Form.

Students who have confirmed their eligibility for Veterans' benefits through the Veterans' Administration may contact the registrar's office for information and the processing of the required documentation.

Unsubsidized (non-need based) loans through the William D. Ford Direct Loan Program are available to eligible graduate students up to $20,500 in Stafford Loans per year. The Cost of Attendance determines how much a student may be eligible for during a given period. Need is determined by the federal government through the FAFSA process. All student loans must be repaid.

Based on a student’s Cost of Attendance the student may be eligible to apply for Grad Plus loans which requires a separate application be completed and a credit history report be processed. A student will be accepted or denied based on this report.

Applying for Federal Student Loans

  1. The Guide to Federal Student Aid is a comprehensive source of information about the Department's federal student aid programs and includes an overview of federal student aid, as well as more detailed information on the application process and student loans. Whatever your questions, you'll find the aid information you need in this publication.
  2. Complete the "Free Application for Federal Student Aid" [FAFSA] online at BTS's school code is G23230. The following link is a student guide to completing the FAFSA12-13
  3. First-time borrowers need to complete online loan "Entrance Counseling" which is available here.
  4. Complete the "Master Promissory Note for Direct Loans" online here.
  5. Please read our Financial Aid Handbook.

Maintaining Eligibility for Federal Student Loans

Determining financial aid eligibility is the joint responsibility of the federal government and the school. The Financial Aid administrator is responsible for adhering to and monitoring eligibility requirements.

Federally Determined Eligibility Criteria:

  • Students who do not meet specific citizenship requirements are not eligible for federal aid.
  • Students who have defaulted on a previous loan are not eligible to receive new loans.

School Determined Eligibility Criteria

  • Students must be enrolled in a degree program with a minimal student status of half time [5 credit hours].
  • Students must fulfill the Loan Counseling requirement when entering the Direct Loan program by completing counseling online at
  • Students must make Satisfactory Academic Progress (SAP), which means a student must maintain a cumulative GPA that is consistent with their degree graduation standards and must be progressing towards that degree at a satisfactory pace.
  • Students must complete the verification process if the government or BTS flags the student for verification.

If you have any other questions regarding the application process for Federal Student Loans, please feel free to contact the Financial Aid office or any Admissions Counselers as well.

Financial Aid FAQ's

Contact Financial Aid

Ginny Hartman,
Financial Aid Coordinator
215-368-5000 x141

Office hours
Monday thru Friday
8:30 a.m. - 4:30 p.m.

Contact Admissions

800.235.4021 x146

215.368.5000 x146

215.368.4913 (fax)

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