Calculators

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Apply for A Loan

Important: To qualify for any of the loans below (except Federal Consolidation), you first must complete the Free Application for Federal Student Aid for the academic year in which you need the loan.

To begin, simply select a lender for the loan program you have chosen and click Apply Now.

Loan Program

Federal Stafford Loan

  • For undergraduate and graduate students enrolled at least half time at a participating school
  • Low, fixed interest rate; no required payments while the student attends school; six-month grace period; no prepayment penalty

Federal Parent PLUS Loan

  • For parents of dependent undergraduate students enrolled at least half time at a participating school
  • Fixed interest rate, borrow up to the difference between school costs and child’s financial aid award, no income requirement, no prepayment penalty

Federal Graduate PLUS Loan

  • For graduate students or professionals enrolled at least half time at a participating school
  • Fixed interest rate, borrow up to the difference between school costs and financial aid award, no income requirement, no prepayment penalty

Federal Consolidation Loan

  • Only federally guaranteed student loans in a grace period or in repayment can be included
  • Fixed interest rate; lower monthly payment, only one bill to pay, no application fees, no credit check, no co-signer required