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To apply for a federal student loan, you must first complete and submit a free application for federal student aid (fafsa ®) form Based on the results of your fafsa application, your college or career school will send you a financial aid offer, which may include federal student loans. Based on the results of your fafsa form, your college or.

Learn about all of the ways to pay for college to see if federal student loans are right for you.

Both federal and private student loans are borrowed funds that you must repay with interest, but federal student loans usually offer lower interest rates and have more flexible repayment terms and options than private student loans. Undergraduates may borrow up to $3,500 for the first year, $4,500 for the second year and $5,500 for each remaining undergraduate year. Learn how you can use your studentaid.gov account for each step in your financial aid journey, from completing the free application for federal student aid (fafsa ®) form to using borrower resources and tools after you leave school. To apply for federal student aid, complete and submit the free application for federal student aid (fafsa ®) form