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OPM.gov / Frequently Asked Questions / Pay and Leave FAQ / Pay Administration
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Pay Administration

Questions and answers

Loans made or insured under the Higher Education Act of 1965 include the following:

Federal Family Education Loans (FFEL)

  • Subsidized Federal Stafford Loans
  • Unsubsidized Federal Stafford Loans
  • Federal PLUS Loans
  • Federal Consolidation Loans

William D. Ford Direct Loan Program (Direct Loans)

  • Direct Subsidized Stafford Loans
  • Direct Unsubsidized Stafford Loans
  • Direct PLUS Loans
  • Direct Subsidized Consolidation Loans
  • Direct Unsubsidized Consolidation Loans

Federal Perkins Loan Program

  • National Defense Student Loans (made before July 1, 1972)
  • National Direct Student Loans (made between July 1, 1972, and July 1, 1987)
  • Perkins Loans (made after July 1, 1987)

Loans made or insured under the Public Health Service Act include the following:

  • Loans for Disadvantaged Students (LDS)
  • Primary Care Loans (PCL)
  • Nursing Student Loans (NSL)
  • Health Professions Student Loans (HPSL)
  • Health Education Assistance Loans (HEAL)
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