You have to submit an application for educational funding utilising the FAFSA. You shall never be immediately offered a Direct Loan. If you wish to borrow through the Direct Loan system you have to request the mortgage through the school funding workplace. You do not need the funds, you may decline the loan by contacting the financial aid office if you request a Direct Loan and later decide.
You are eligible for a subsidized Direct Loan if you are an undergraduate student and have financial need. With subsidized loans no interest would be charged if you keep at the very least half-time enrollment (6 credits). Economic need may be the distinction between price of Attendance and your Expected Family Contribution.