Stafford Loans Stafford Loans are available for students enrolled at least half-time in an eligible program and who are in good standing on any education loans. Loans must generally be repaid within 10 years. A Subsidized Stafford Loan is an interest free loan while you are enrolled at least half-time or during grace and deferment periods. Subsidized loans are based on demonstrated financial need. An Unsubsidized Stafford Loan is available as an additional source for independent students.
Interest accumulates once a loan is disbursed.
You can estimate the cost of Stafford loans from VSAC by using our loan calculator. Loans must generally be repaid within 10 years. You can estimate the cost of PLUS loans from VSAC by using our loan calculator. VSAC offers HEAL loans for students at the University of Vermont College of Medicine. This is a needs-based loan.