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To be considered for federal student loans, you must file a FAFSA. Federal Perkins Loans and Direct Stafford Loans are offered automatically after you have completed your financial aid file. Private education 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 tips for taking out student loans.

Borrowing Tips

  • Before borrowing, it is important to consider how much you need. Remember, all loans must be repaid. Use a loan payment calculator to investigate how much your monthly payment may be if you decide to accept loans.
  • If you plan on graduating during the fall semester or plan on attending only one semester, please review our One-Semester Financial Aid policy.
  • Monitor your Direct Stafford Federal aggregate and annual loan limits. Once your limit is reached, you will not be eligible to receive any additional Federal Stafford Loans. If you exceed your loan limits, your award could be reduced or cancelled after you have received the funds.

 

Loan Program How to Apply
Federal Direct Stafford Loans
(subsidized and unsubsidized)
  1. File a FAFSA.
  2. Loan is offered to you automatically, if you qualify, once your financial aid file is complete.
Federal Perkins Loans
  1. File a FAFSA.
  2. Loan is offered to you automatically, if you qualify, once your financial aid file is complete.

Federal Direct Parent PLUS Loans

  1. File a FAFSA.
  2. An estimated loan amount is posted as an award automatically once your financial aid file is complete.
  3. Additional steps are required to complete the application process for a Parent PLUS loan.
See complete details on how to apply for a Federal Direct Parent PLUS loan.
Federal Direct PLUS Loans for Graduate and Professional Students
  1. File a FAFSA.
  2. An estimated loan amount is posted as an award automatically once your financial aid file is complete.

Private Education Loans
(alternative loans)

  1. Choose a lender.
  2. Complete your lender's application.
See complete details on how to apply for a private education loan.