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Home Ask Student Aid FAQ How do I apply for a Direct Stafford Loan?

How do I apply for a Direct Stafford Loan?

You need to file the FAFSA (Free Application for Federal Student Aid) before you can take out federal student loans, including Direct Loans (sometimes called Stafford Loans) and Perkins Loans.

  • Interest Rates
    • Fixed as low as: 4.25% APR1
    • Variable as low as: 1.13% APR1
  • Interest Rates
    • Fixed as low as: 3.34% APR1
    • Variable as low as: 1.04% APR1
  • Interest Rates
    • Fixed: 4.24% APR - 12.99% APR2
    • Variable: 1.24% APR - 11.99% APR2
  • Interest Rates
    • Fixed as low as: 3.99% APR1
    • Variable as low as: 4.13% APR1

How to Apply for a Stafford Loan: Step by Step

  1. Complete the FAFSA or Renewal FAFSA (for returning students) at
  2. Receive a financial aid award letter by mail or email from your school's financial aid office. This letter will summarize your available financial aid, including the Direct Subsidized Loan (if eligible) and Direct Unsubsidized Loan.
  3. Contact your school’s financial aid office to accept the financial aid and student loans.
  4. Review and sign any associated paperwork, such as the Master Promissory Note (MPN).

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