Before You Apply

Ask yourself:

• How much do I really need?
• Have I considered all of my financial options, including work-study or scholarships opportunities?
• Can I adjust my lifestyle to borrow less?
• Can I work part-time or use savings to help with expenses?
• Do have have everything I need to fill out student loan paperwork?
• Do I understand how the process works?

When it's finally time to apply for your student loan, make sure you have everything you'll need.