You apply for a Federal Stafford , PLUS or private student loan even if you have not yet completed the FAFSA. Many students and parents prefer to do so as there is a limited amount of money the government budgets for the federal stafford loan and private student loan companies limit the total amount they will lend.

If you have already completed the FAFSA process, and are still in need of funds for college, try the new Private student loans. They cover all college living expenses, including tuition, room and board, a computer, travel.
Editor's choices for private student loans: 

Now, About the FAFSA. Before you fill out the FAFSA, Get organized!!!!
 You can fill out the FAFSA application online form for FREE at www.fafsa.ed.gov - (not at  www fafsa gov or  www.fafsa.gov.ed www fafsa gov ed )

How do I apply for FEDERAL Financial Aid?

Apply for a Stafford or PLUS Loan. Complete the FAFSA. It will take 7 days to process your form and send you what is called a SAR (Student Aid Report) once we have received all required signatures. Your SAR will summarize the data you reported on your FASFA application. Check this information very carefully to make sure it is accurate. Also, keep a copy of your SAR and note your Data Release Number (DRN) in the bottom left hand corner of the first page; you will need your DRN if you decide to apply to additional schools.

What type of FEDERAL financial aid will I qualify for when filling out the FAFSA application?
1. Federal Stafford Loans
2. Federal PLUS loans

Federal Stafford Loans are are available to both undergraduate and graduate students. If your school participates in the Federal Direct Loan (Direct Loan) Program, this means the federal government actually provides the funds for your Stafford Loan. It does not mean the are the lender. You are able to choose. In the past colleges have steered students toward one lender. Thus we now have a student loan scandal.

If you qualify for a subsidized Stafford loan, which is based on need, the government pays the interest on your loan while you are in school, during grace periods and during any deferment periods. You are responsible for paying all of the interest that accrues on unsubsidized Federal Stafford Loans. .

I am going to need additional money for college!  What other types of Student Loans are out there?

Private student loans.  This student loan often does not require repayment until after graduation, but more importantly, te private student loan covers everyday college and living expenses such as room and board, school supplies, student projects, tuition, travel, etc. There are many companies offering alternative, or Private student loans. We've listed several student loans across our sites. One in particular provides secure online applications and good customer service (according to our user feedback) is:

Private student loans @ iStudentLoan - find lenders offerinmg up to $40,000 a year, defer repayment until after graduation.

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