A student not enrolled in a degree or certificate program may be eligible for Direct Subsidized/Unsubsidized Loans (and a parent may receive Direct PLUS Loans on behalf of a dependent student) for up to one year if she/he is taking coursework necessary for enrollment in an eligible program.
- To be eligible for loans under this exception, the student must be taking classes that are a prerequisite for admission.
- The courses must be part of an eligible program otherwise offered by the school, though the student does not have to be in that program.
- If enrolled at least half time in these prerequisite courses, the student is eligible for loans for one consecutive 12-month period (not per program) beginning on the first day of the loan period.
- If the period of preparatory courses spans more than one academic year, the student may receive multiple loans.
- A student who is only taking courses to raise his or her GPA in order to be admitted would not qualify.