Student loans

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Do I have to show financial need in order to obtain a federal student loan?

No. Federal student loan programs are designed for half-to-full-time students with demonstrated financial need as well as for those without need. However, the Stafford Loan program requires that the Free Application for Federal Student Aid (FAFSA) be filed even when you are not counting on a need-based subsidy. For information on filing the FAFSA.

Subsidized Stafford Loans and Perkins loans are available only to students who demonstrate financial need through the FAFSA process. Unsubsidized Stafford Loans, PLUS Loans, and private education loans may be sought regardless of financial need.


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