Federal Student Loans

What are federal student loans?

Federal student loans are loans established by the federal government and provided to students for college and graduate school.

Who can get a federal student loan?

There are eligibility requirements for federal student loans. If you have any questions about eligibility, contact the financial aid office at the college your child plans to attend. Generally, the requirements are that the student must:

  • Be a U.S. citizen or eligible non-citizen

  • Be enrolled at least half time at an eligible school (virtually any school offering a degree program is eligible)

  • Have a high school diploma or equivalent

  • Be making satisfactory progress in the selected course of study

  • Have a valid Social Security number

  • Not be in default on any other federal student loans

  • Not have borrowed more than the allowable limits

  • Have registered for the Selective Service, if a male

  • Promise to use the loan money only for educational expenses

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