If you withdraw or make changes to your studies that affect your eligibility for Title IV Direct Loans, we will recalculate your loan entitlement based on the period of attendance and entitlement.

Read the full policy on the Return of Title IV Direct Loans.

If you make any changes to your studies that mean your loan has to be recalculated you might have to pay back money to the US Department of Education or your Loan Servicer. Any changes you make may also affect further Title IV Direct Loan payments.

Title IV Direct Loans will be returned in the following order:

  1. Unsubsidised Federal Stafford loans.
  2. Subsidised Federal Stafford loans.
  3. PLUS Loan Funds.

The requirements for the return of Title IV Direct Loan funds are separate from the University's refund policy. Therefore, you may still owe funds to the University to cover unpaid institutional charges.

If you have completed more than 60% of the payment period, all the Title IV loans that you were scheduled to receive for that period is considered to have been earned. As an example, if you complete 30% of the payment period, you have earned 30% of the assistance you were originally scheduled to receive within that loan period. If you have completed 60% of the payment period, you have earned 100% of the assistance you were scheduled to receive.

If you received more assistance than was earned, the excess funds must be returned to the US Department of Education by the University. If you received (or the University received on the student’s behalf) less assistance than the amount earned, you may be able to receive those additional funds as a post-withdrawal disbursement.

If you suspend your studies for longer than 180 days, this is treated as a withdrawal in terms of your Title IV Direct Loan.





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US Loans
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University of Bath
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