General Information

Phone: (800) 252-9743

Collections

Phone: (800) 222-6297

Fax: (512) 219-4739

Hours: Monday – Thursday, 8 a.m. to 9 p.m. Central Time, Friday, 8 a.m. to 5 p.m. Central Time

Make a Payment

Make payments online through the myTG portal, or mail checks to:

TG Collections
P.O. Box 659602
San Antonio, TX 78265-9602

Federal Direct Loan Program (FDLP) 2017-02-16T09:40:00+00:00

Federal Direct Loan Program (FDLP)

Under the Federal Direct Loan Program (FDLP, also known as Direct), the US Department of Education makes a loan through the student’s school to help a student or parent pay the costs of the student’s education beyond high school.

The FDLP offers several types of loans: Direct Subsidized, Direct Unsubsidized, Direct PLUS (for parents of dependent undergraduate students, and graduate and professional students), and Direct Consolidation.

These loans have several advantages over private loans issued by a bank or other financial institution:

  • Interest rates are low
  • Application and approval processes are uncomplicated
  • Loans are available to both students and parents
  • Direct Subsidized and Direct Unsubsidized loans aren’t contingent upon a credit check
  • A student is not required to make payments on a Direct Subsidized, Direct Unsubsidized, or Direct Student PLUS loan while enrolled in school on at least a half-time basis; in addition:
    • For Direct Subsidized or Direct Unsubsidized loans, borrower aren’t required to make payments for the six-month period after they drop below half-time enrollment
    • For Direct PLUS loans first disbursed on or after July 1, 2008, student borrowers can defer payments for the six-month period after they drop below half-time enrollment
    • The federal government pays the interest on certain loans while the student is in school on at least a half-time basis, in a grace period, or in a period of deferment
  • Parents can defer payments on Direct Parent PLUS loans while they’re enrolled in school on at least a half-time basis. In addition, for a Direct Parent PLUS loan first disbursed on or after July 1, 2008, a parent, upon his or her request, can defer payments:
    • For the six-month period after the parent drops below half-time enrollment
    • While the student for whom the parent borrowed is enrolled at least half time, and for the six-month period after the student drops below half-time enrollment