Funding for U.S. students

Starting in the 2020/2021 academic year, McMaster University will be an approved Title V institution under the U.S. Department of Education’s, William D. Ford Federal Direct Loan Program. If you are an eligible U.S. student attending McMaster, apply for Direct Loans to help pay your school-related fees. The Federal School Code for McMaster University is G06853.

What is McMaster’s Federal School Code?

McMaster University’s Federal School Code is G06853

I’m not getting as much as I expected, how can I appeal my Direct Loan entitlement?

The Cost of Attendance (COA) is calculated by the university. You cannot borrow more than this amount or appeal its calculation. If the funding you receive does not meet your financial need, you can also look into private loans.

If you applied for a Direct PLUS Loan and have been denied due to adverse credit history, you can complete an extenuating circumstances appeal 

When do I start to repay my Direct Loans?

You can start repaying your loans at any time, but you are only required to once you are no longer registered in full-time studies. For more on repayment, visit:

I am a dual American and Canadian citizen. What are my government loan options?

If you are a dual Canadian/American citizen, you may be eligible for student loans through your home province, with the exception of Ontario.

You can only receive government student aid from one country in a given school year.

I have questions about my Direct Loans, who do I contact?

For questions on FAFSA, eligibility, loan repayment and forgiveness and applying for and receiving aid, please visit the Federal Student Aid website.

You can contact about the processing of your loans once your application has been submitted.

I need to withdraw  and/or repeat a course, what do I do?

If you are considering changing your course load or withdrawing from a program, please contact, as it may impact your eligibility and loan status.

Can I apply for U.S. Direct Loans for the spring/summer term?

The loan maximum set by the Department of Education apply to the academic year (September – August of the following year).

If you use the maximum amount in Direct Subsidized and Direct Unsubsidized  funding for the fall/winter term (September – April period) and then decide to take summer courses, you are not eligible for any further Direct Subsidized and Direct Unsubsidized funding for the summer term (May – August).

If you do not use the entire annual loan limit during the fall/winter term, you may be eligible to receive the rest for the remaining academic year or summer term.


Online Webinar: How to apply for OSAP

Online Webinar: How to apply for OSAP Event

Join Student Services for an online webinar that offers new students and their families, information and guidance on how to...

Applying to OSAP for the first time

Applying to OSAP for the first time Event

View our video tutorial above for the common practices on applying to OSAP. To calculate your course load, you can...

How to complete and submit the OSAP Extension Form

How to complete and submit the OSAP Extension Form Event

View our video tutorial above on how to complete and submit the OSAP Extension Form. Please note: A fully completed...

McMaster University sign on campus

Admission deferrals

Admission deferrals Event

Applications for deferrals will open in mid-July. McMaster will normally only grant deferrals on offers of admission when there are...