Check whether you need a federal student loan or a private student loan
Complete the FAFSA for federal student aid
Review your financial aid offer from your school
Accept the loan amount you need, not more
Complete required entrance counseling for federal loans
Sign the Master Promissory Note for federal loans
Compare private lenders if you need additional funding
Check interest rates, fees, repayment terms, and eligibility
Apply with a creditworthy cosigner if required
Submit proof of enrollment, income, and identity if requested
Wait for loan approval and disbursement
Use the funds only for approved education expenses
Track your loan balance and repayment start date
Contact your school’s financial aid office for help