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All federal loans require the student to file a FAFSA at www.fafsa.ed.gov. Federal Perkins Loans and Direct Stafford Loans are offered automatically after you have completed your financial aid file. Alternative loans require a separate application with a lender of your choice and are approved based on the applicant's credit history. As you consider whether or not you will take out student loans, be aware of these helpful borrowing tips.

Think carefully before accepting private student loan offers. Please be careful when considering private student loan offers you receive as unsolicited direct mail or email offers from banks and other private lenders. Also carefully consider how much you need to borrow and avoid borrowing more than you really need. When borrowing be sure to check terms and conditions before accepting any loan and be sure you understand how much you will need to repay. Private loans can be very expensive and could adversely affect your eligibility for other financial assistance.