Determine how much money you need
Check your eligibility for student loans
Fill out the FAFSA or your country’s financial aid application
Compare federal, state, and private loan options
Review interest rates, fees, and repayment terms
Apply for the loan online or through your school
Gather required documents such as ID, income, and enrollment proof
Ask a parent or guardian to co-sign if needed
Accept the loan offer and complete any required counseling
Sign the loan agreement
Keep track of disbursement dates and repayment start dates