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Borrowing has become a necessary financing tool for many college students and their parents. In fact, the percentage of full-time, full-year dependent undergraduates who took out loans increased from 30% in the 1989-90 school year to over 45% in the 1999-2000 school year.* The average loan amount in 1999-2000 exceeded $6,000. On these pages, we’ve put together some information and links to help you understand your options for borrowing money for college.

*National Center for Education Statistics, The Condition of Education 2005. Includes all students borrowing through federal, state, institutional, and private loan programs, and parental borrowing through the PLUS Loan program.