The North Idaho College Financial Aid Office is committed to assisting students in paying for their education while assuming as little debt as possible. Because students must repay loans, our office will determine a students maximum eligibility for the loan that offers the best interest rate. In almost every case, this will be the Subsidized Loan. If students would like to be considered for an Unsubsidized Loan after their initial award has been determined they must complete additional tasks to qualify.


Maximum Subsidized Loan Amounts

Freshman (25 or less completed credits): $3,500

Sophomore (26 or more completed credits): $4,500


Maximum Unsubsidized Loan Amounts

Dependent: $2,000

Independent: $6,000

Direct Loan Interest Rates

Subsidized Loans
Unsubsidized Loans
Parent PLUS Loans

Parent PLUS Loan

For more information regarding PLUS Loans please click the following Link


Want more information regarding Loans? Visit