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Student loans, financial assistance, grants, etc. Are not in the traditional sense retroactive. Although I am not certain I completely understand your situation.

Yes you can, most lenders allow you to apply a semester/4 months after the term has ended. Some allow up to a year. Check Iowa Student Loans, theirs is 120 days after final day of term, and I believe Sallie Mae allows up to a year...but check

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Q: Can you apply for a loan if you have taken the courses already and have no money to pay?
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