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that have been identified by the U.S. Department of Education as serving pupils from low-income
families. These schools are listed in the U.S. Department of Education’s Annual Directory of
Designated Low-Income Schools for Teacher Cancellation Benefits. www.tcli.ed.gov

TEACH Grant recipients must also teach in high need subject areas, including bilingual education
and English language acquisition, foreign language, mathematics, reading, science or special
education. There may be additional teacher shortage areas identified at the time a student begins
teaching. These teacher subject shortage areas (not geographic areas) are listed in the U.S.
Department of Education’s Annual Teacher Shortage Area Nationwide Listing.
www.ed.gov/about/offices/list/ope/pol/tsa.doc
Additional information can be found at: www.bowiestate.edu/admissions-financial-aid/financial-
aid/types-of-financial-aid/grants/teach-grant/

Federal Work-Study Program (FWS)

Federal Work-Study provides part-time jobs for undergraduate and graduate students with
financial need, allowing them to earn money to help pay education expenses. The program
encourages community service work and work related to the student’s course of study.

William D. Ford Federal Direct Loan Program

Bowie State University participates in the William D. Ford Federal Direct Loan Program (usually
referred to as the Direct Loan Program). The U.S. Department of Education is the lender and pays
the student through the school. Borrowers must complete the FAFSA application and must be
enrolled in at least 6 units per semester for the term that they get the Federal Award.

Students are eligible for two types of loans:
Direct subsidized (need-based) and/ or Direct unsubsidized (none need-based) depending on
the amount of need and student classification as freshman, sophomore, junior or senior.

Direct Subsidized Loans:
Loans are available for undergraduate students with financial need. The U.S. Department of
Education pays the interest for borrowers who are actively enrolled in school and are registered for
at least half-time. If a borrower graduates, leaves school or is not registered for at least half-time (6
credits), the U.S. Department of Education will pay the interest for 6 months in what is commonly
referred to as a grace period.

Direct Unsubsidized Loans:
Loans are available for both undergraduate and graduate students and there is no requirement to
demonstrate financial need.
Schools determine how much a student can borrow based on Cost of Attendance (COA) and other
financial aid received as determined by FAFSA application.
You are responsible for paying the interest on a Direct Unsubsidized Loan during all periods.
If you choose not to pay the interest while you are in school and during grace periods and
deferment or forbearance periods, your interest will accrue (accumulate) and be capitalized (that
is, your interest will be added to the principal amount of your loan).

If borrowers choose not to pay the interest while in school, during grace period, deferment or
forbearance, interest will accrue (accumulate) and capitalized (added to the principal amount of
borrower loans) 55