# 34 C.F.R. § 685.200 (2026): Borrower eligibility > Federal · Regulations · In force URL: https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_200 ## Section - **Citation:** 34 C.F.R. § 685.200 (2026) - **Heading:** Borrower eligibility - **Jurisdiction:** Federal - **Kind:** Regulations - **Status:** In force - **Text as of:** August 14, 2026 - **Source:** Compiled text - **Location:** Title 34 CFR: Education / Chapter VI / Part 685 / Subpart B / § 685.200: § 685.200 Borrower eligibility. ## Text (a) Student Direct Subsidized or Direct Unsubsidized borrower. (1) A student is eligible to receive a Direct Subsidized Loan, a Direct Unsubsidized Loan, or a combination of these loans, if the student meets the following requirements: (i) The student is enrolled, or accepted for enrollment, on at least a half-time basis in a school that participates in the Direct Loan Program. (ii) The student meets the requirements for an eligible student under 34 CFR part 668. (iii) In the case of an undergraduate student who seeks a Direct Subsidized Loan or a Direct Unsubsidized Loan at a school that participates in the Federal Pell Grant Program, the student has received a determination of Federal Pell Grant eligibility for the period of enrollment for which the loan is sought. (iv) In the case of a borrower whose previous loan or TEACH Grant service obligation was discharged due to total and permanent disability, the student— (A) In the case of a borrower whose prior loan under title IV of the Act or TEACH Grant service obligation was discharged after a final determination of total and permanent disability, the borrower— ( 1 ) Obtains a certification from a physician that the borrower is able to engage in substantial gainful activity; and ( 2 ) Signs a statement acknowledging that neither the new Direct Loan the borrower receives nor any previously discharged loan on which the borrower is required to resume payment in accordance with paragraph (a)(1)(iv)(B) of this section can be discharged in the future on the basis of any impairment present when the new loan is made, unless that impairment substantially deteriorates; (B) In the case of a borrower who receives a new Direct Loan, other than a Direct Consolidation Loan, within three years of the date that any previous title IV loan or TEACH Grant service obligation was discharged due to a total and permanent disability in accordance with § 685.213(b)(4)(iii), 34 CFR 674.61(b)(3)(v), 34 CFR 682.402(c)(3)(iv), or 34 CFR 686.42(b) based on a discharge request received on or af ## Nearby sections - [34 C.F.R. § 685.200 (2026) § 685.200 Borrower eligibility.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_200.md) - [34 C.F.R. § 685.201 (2026) § 685.201 Obtaining a loan.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_201.md) - [34 C.F.R. § 685.202 (2026) § 685.202 Charges for which Direct Loan Program borrowers are responsible.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_202.md) - [34 C.F.R. § 685.203 (2026) § 685.203 Loan limits.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_203.md) - [34 C.F.R. § 685.204 (2026) § 685.204 Deferment.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_204.md) - [34 C.F.R. § 685.205 (2026) § 685.205 Forbearance.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_205.md) - [34 C.F.R. § 685.206 (2026) § 685.206 Borrower responsibilities and defenses.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_206.md) - [34 C.F.R. § 685.207 (2026) § 685.207 Obligation to repay.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_207.md) - [34 C.F.R. § 685.208 (2026) § 685.208 Fixed payment repayment plans.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_208.md) - [34 C.F.R. § 685.209 (2026) § 685.209 Income-driven repayment plans.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_209.md) - [34 C.F.R. § 685.210 (2026) § 685.210 Choice of repayment plan.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_210.md) - [34 C.F.R. § 685.211 (2026) § 685.211 Miscellaneous repayment provisions.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_211.md) - [34 C.F.R. § 685.212 (2026) § 685.212 Discharge of a loan obligation.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_212.md) - [34 C.F.R. § 685.213 (2026) § 685.213 Total and permanent disability discharge.](https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_213.md) --- Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T34_P685_S685_200. Check the current official text before relying on it. Not legal advice.