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1 Review Application & Solicitation Disclosures

  • Register or log in for secure access to your account
  • See important information about interest rates and loan cost examples

2Complete Your Application

  • Enter your information on our easy one-page form and receive a credit decision.
  • Add a cosigner (if applicable)

3 Sign Loan Documents

  • Review documents
  • Electronically sign or download and mail a paper version

4 Review Next Steps

  • Choose a variable or fixed rate and repayment option that works best for you
  • Complete any open items or check your application status in the Account Center

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Borrow Responsibly.
1. Maximize grants, scholarships and other free financial aid.
2. Compare federal and private student loans.
3. Choose the loans that best fit your needs.


icon Eligibility

  • Enrolled at least half-time at an eligible school (see below)
  • Seeking a degree
  • Making satisfactory academic progress as defined by your school
  • Be 16 years or older at the time you apply
  • Pass a credit check
  • International borrowers will need a US cosigner
  • There may be additional requirements (see your loan’s specific Application Solicitation Disclosure for details)

icon Cosigner

Whether or not you will need a cosigner depends on your credit evaluation. By applying with a creditworthy cosigner, you may improve your likelihood for loan approval and may receive a lower interest rate. If you are applying for an Undergraduate Loan, you will likely need to add a cosigner for your application to be approved.

Your cosigner should be a US citizen or permanent resident, 18 years or older at the time of loan application, and pass a credit check.

iconWhat you'll need to apply online

Be sure to have this information ready before applying:
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Need help? Call 1-800-STUDENT