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Remember that January 1st is the first day you can submit your Free Application for Federal Student Aid (FAFSA) form. FAFSA forms are evaluated on a first come first serve basis so you are strongly encouraged to submit yours on or near January 1st. Many states have a March 1st deadline, and in some states the deadline is February. You do not need to be admitted to college to apply for financial aid! However, you must be admitted to actually receive funds.
The FAFSA form is free so there is no reason not to apply. You can get a copy of the FAFSA from your guidance counselor, from the financial aid office at a local college or by calling 1-800-4-FED-Aid. The online version is available at There is also more detailed information about this form and financial aid in general on this website.
Education loans come in three major categories: student loans (e.g., Stafford and Perkins loans), parent loans (e.g., PLUS loans) and private student loans (also called alternative student loans). A fourth type of education loan, the consolidation loan, allows the borrower to lump all of their loans into one loan for simplified payment. {READ MORE}

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