Assess Financial Need Calculate total education costs and subtract savings, scholarships, and aid.
Research Loan Option Compare federal and private loans for interest rates and terms.
Check Eligibility Ensure you meet the lender's criteria, including credit score and enrollment status.
Prepare Documentation Gather ID, admission letter, fee structure, academic records, and income proof.
Improve Credit Score Correct errors and pay off debts to boost your credit score.
Consider a Co-Signer A co-signer with a good credit score can improve loan terms.
Understand Interest Rate Know the difference between fixed and variable rates, and compare APRs.