unsubsidized
adjective [ before noun ]
FINANCE (UK also unsubsidised) uk/ˌʌnˈsʌbsɪdaɪzd/ usrelating to a cost, price, etc. that is paid by the customer and not partly paid by another person, an organization, or the government:
Officials said the average graduate debt had risen to $17,000 in subsidized and unsubsidized loans.