Consumer information | University of Oxford
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Consumer information

The US government requires institutions which offer federal student loans to disclose the following consumer information. If you require any further information about the content, please email the US loans team.

Data security and privacy of student records

Your rights under the General Data Protection Regulation (GDPR) 2018 are outlined on the University's Data protection pages. For information on how to make a request for access to personal data under the GDPR, please email the Data Protection team. If you wish to learn more about data security compliance at the University of Oxford, please access the University’s privacy policies.

The US loans team will request data from you in order to process your loan application. In certain circumstances, the US loans team is required to request specific information from you in order to comply with US federal regulations. We will hold any sensitive data that you submit to us in compliance with the GDPR and US federal regulations.

Should you have a complaint about how the US loans team have handled your data you have the right to file a complaint with the US Department of Education, although it would be preferable for you to contact the team in the first instance so they can discuss the problem with you and try to resolve it.

Student financial aid information

For information about all need-based and non need-based federal, local, private and institutional student financial assistance available to students at the University, please see our Fees and funding pages.

For the following information about US federal student loans, please see our US loans page:

  • terms and conditions of the Title IV HEA (Higher Education Act) loans.
  • criteria for selecting recipients and determining the award amount.
  • eligibility requirements and procedures for applying for aid.
  • methods and frequency of disbursements of aid.
  • rights and responsibilities of students receiving Title IV HEA student financial aid, including the criteria for continued student eligibility and standards for satisfactory academic progress.
  • terms of loans received as part of the financial aid package, a sample loan repayment schedule and the necessity for repaying loans.
  • procedures and forms by which students apply for assistance.
  • a statement that enrolment in a program of study abroad approved for credit by the home school may be considered enrolment in the home school for the purposes of applying for federal student financial aid; and
  • the exit counselling information the University collects and provides to servicers.

Facilities and services available to students with disabilities

Information about the facilities and services available to students with disabilities is available from the Disability Advisory Service.

Price of attendance

For information about the price of attendance, including tuition and fees, books and supplies, room and board, transportation costs and any other additional expenses, please see our Fee information and Living costs pages. Occasionally, there may be additional costs relating to your course; if so, these will be outlined by your department.

Refund policy, requirements for withdrawal and return of Title IV financial aid

For information about the University's refund policy, please see our Fee payments and refunds pages. Requirements for the return of Title IV funds are published in the University's Return to Title IV (R2T4) Policy (see Related documents on the US Loans page).

Procedures for withdrawal are outlined in the R2T4 Policy and are also available from your department's Graduate Studies Office (for graduates) or from your college (for undergraduates).

Academic programme information (educational programme, instructional facilities and faculty)

For information about current degree programmes and other educational and training programmes available at the University, please see the following pages:

For information about instructional, laboratory, and other facilities that relate to your academic programme, and for faculty and other instructional personnel, please see the relevant department pages from our Departments A-Z. Should a plan exist to improve your academic programme, this would be communicated to you by the relevant department.

Student loan information published by the US Department of Education

The University will provide information published by the US Department of Education to students at any time that information regarding loan availability is requested, including the rights and responsibilities of students and schools under Title IV HEA (Higher Education Act) loan programs.

National Student Loan Data System (NSLDS)

If you take out a federal loan at Oxford, we will submit the details of your loan to NSLDS and this data will be accessible to guaranty agencies, lenders and schools determined to be authorised users of the data system.

Entrance counselling for student loan borrowers

Prior to the first disbursement, first-time borrowers (other than for Parent PLUS loans) will be provided with comprehensive information on the terms and conditions of the loan and of the borrower’s responsibilities through entrance counselling. At Oxford, entrance counselling is required to be completed via before a loan will be approved.

Exit counselling for student loan borrowers

The University will provide exit counselling to borrowers of loans (other than for Parent PLUS loans) shortly before the student borrower ceases at least half-time study at the school. At Oxford, exit counselling should be completed via Any student who fails to complete exit counselling via will be emailed a copy of the exit counselling guide, produced by the US Department of Education.

PLUS counselling for student loan borrowers

Prior to the first disbursement, borrowers who are informed by the US Department of Education that they have an adverse credit history (and have obtained an approved endorser or documented to the satisfaction of the US Department of Education that there are extenuating circumstances related to the adverse credit history) will be required to undertake PLUS counselling.  At Oxford, PLUS counselling is required to be completed via before a loan will be approved.  

Private education loan disclosures

It is stated clearly on the US loans and Private loans pages that most students at Oxford are eligible for federal loans and that these are normally much cheaper than private loans.

Code of conduct for education loans

The University's code of conduct for US education loans is as follows:

In order to prohibit a conflict of interest with the responsibilities of an agent with respect to private education loans, all agents at the University with responsibility for US loans are prohibited from:

  • revenue-sharing arrangements with any lender; 
  • receiving gifts from a lender, a guarantor, or a loan servicer;
  • contracting arrangements providing financial benefit from any lender or affiliate of a lender; 
  • directing borrowers to particular lenders* or refusing or delaying loan certifications; 
  • offers of funds for private loans; 
  • call centre or financial aid office staffing assistance; and
  • advisory board compensation.

All agents with responsibility for US loans are reminded at least annually of the code.

* If you are applying for a private US student loan, the University will work with whichever private lender you decide to use, if they are willing to work with us. Please note that we are only aware of one lender currently offering such loans, which is Sallie Mae. Sallie Mae is not a preferred lender and this does not represent a preferred lender arrangement.

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