Student Loan Tips

From gathering documents to getting approved, here’s what students and families need to know about applying for student loans.

Need a cosigner for your student loan? Here are tips to prepare, build trust, and have an honest, productive conversation with a potential cosigner.

Learn how to build a college budget that covers housing, food, transportation, and more — and how to stay on track throughout the year.

Learn the best time to apply for student loans — including federal and private options — so you’re ready when tuition is due.

Understand the key differences between federal and private student loans — including how they’re funded, who qualifies, and when to consider each option.

Learn what a cosigner is, how they help students qualify for private loans, and what both students and cosigners should know before applying.

Learn what to do when scholarships and federal student aid don’t cover your full cost of college — and how to close the gap responsibly.

Learn how credit scores impact private student loan approval and why most students need a cosigner to qualify for the best rates.

If your student loan application was denied, don’t panic. Learn why it happens and how you can still get the funding you need for college.

Learn how to build a college budget that covers housing, food, transportation, and more — and how to stay on track throughout the year.