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How to Apply for Graduate Loans

Step by Step for Students Enrolled in Graduate Degree-Granting Programs

Graduate loan applications are processed on a first-come, first-served basis, with priority given to those applications submitted by April 30.

Students who apply for loans late may need to pay for tuition temporarily (i.e., credit card) until the loan is processed. The Student Accounts Office requires that payment for classes accompany registration unless a student has an approved Stafford Loan and all required paperwork processed. A student whose Stafford Loan has not yet received final approval or a student who has a private education loan that has not received final approval must submit payment with registration. The student may then request a refund check from the Student Accounts Office after the loan has been applied to his/her account and after the student has attended the first class session.

Students must reapply each spring to obtain a loan for the following academic year.

To apply, please complete the following steps:

1. Be accepted for admission to a Doctoral/Master's Degree Programs and intend to enroll at least half-time ( 3 credits) per term.
2. Complete the AU Graduate Student Loan Application   for the appropriate academic year. Note: AU will not certify a private education loan unless the student has completed the appropriate AU Loan Application.

Next Steps to Apply for a Private Education Loan:

• After submitting the AU Loan Application, apply to the lender of your choice (see Loans for Graduate Students). AU will be asked to certify electronically that you are eligible for the loan.  The lender will notify you of your approval.

Next Steps to Apply for a Federal Stafford Loan:

1. Complete the FAFSA on the Web (Free Application for Federal Student Aid) at www.fafsa.ed.gov and use the AU Title IV code -- 003012 -- to have your Student Aid Report sent electronically to Ashland University. The FAFSA on the Web may be completed and submitted on or after January 1 for the following academic year (complete your tax forms before completing the FAFSA!)
2. All new AU borrowers must complete the Stafford Loan Promissory Note.
3. If you are do not have outstanding Stafford Loans, complete Loan Entrance Counseling.

Next Steps to Apply for a Federal Graduate PLUS Loan

1. After receiving notification of your Federal Stafford Loan award amount, submit a Graduate PLUS Loan Application to the Financial Aid Office if your Stafford Loan award is less than the cost of attendance for your program.
2. If this is your first Graduate Plus Loan at Ashland University, complete the Graduate PLUS Promissory Note.

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