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If the loans you are eligible for after filling out a FAFSA are not enough to cover the entire cost of your college education, there are other ways that you can save on college costs:

1. If your financial aid situation has changed since you filled out the FAFSA, discuss your situation with the financial aid office.

2. Look into scholarships.

3. Take AP classes and/or the AP tests so you have the opportunity to get college credit for beginning college courses.

4. Start at a community college. See if you can take concurrent classes while in high school (you may be able to go to community college instead of taking upper level high school classes), take courses during the summer, or spend your first year there. Just make sure that the credits will transfer into the college you would like to finish at. You can get financial aid for community college too.

5. Go to school in state and close enough so that you can live at home.

6. Start pricing schools now so you can figure out how much you will need to save.

7. Start earning and saving money by working, even if it is just walking dogs or babysitting.

8. Save money on textbooks by buying them used, buying them online used, renting them, or selling them back each semester.

9. Take advantage of the services your college offers. You may get a savings on public transportation, be able to use the computer lab for free or a small fee, use the rec center, get physical and mental health coverage or services for free or low cost, find a meal plan that works for you, and other services. If you will not be using these services though, find out how many of the fees you can opt out of.

10. Talk to your high school guidance counselor or advisor, a school librarian or local librarian, and also a financial aid representative at the school you would like to attend. These people will help you come up with new ways to search for financial aid.

11. Once you know what school you would like to attend, look into their scholarships, work study, and residence programs.

12. Take out private loans as a last resort. If you absolutely need to get loans, get federal subsidized loans so you don't have to pay interest during school, can start paying the loans back after six months after being out of school, and have a low interest rate. Unsubsidized loans mean you need to pay interest while in school (which is still low, but can be a pain). Private loans from banks will usually have much higher interest rates.

13. Plan to take a few semesters off during college.

14. If you do go to school out of state, you may need to pay out of state tuition for the first year or so, but look into residency requirements because you may qualify as a resident after a year or two. Also look into any schools that may offer in state tuition to people in your state. Some states close by may do this if they are tiny enough.

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12y ago

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Is there a way to get a student loan that is not FAFSA loan and does not require a cosigner?

If you're creditworthy, sure!


Is FAFSA required for a student loan?

Yes, you must fill out a FAFSA if you would like to receive a Direct Subsidized Loan or a Direct Unsubsidized Loan. You must also fill it out if your parents would like to receive a PLUS loan for your education. A FAFSA is not required if you would like to receive a private loan from a bank. Private loans may have a higher interest rate. They will do a credit check and they may require you to have a co-signer.


Can a graduate student apply for the FAFSA?

Yes, graduate students should fill out a FAFSA so they have the opportunity to find out their eligibility for a Pell grant, work study, a Direct loan, a Perkins loan, and a TEACH grant.


How can someone apply for a direct loan?

A direct loan is a type of loan that students can take out to pay for college. To apply for this loan, you need to fill out a FAFSA form. The information will be sent to your school where it will be decided whether you qualify for the loan.


If you have filled out a FAFSA does it automatically apply you for a Perkins loan?

Filling out the FAFSA (Free Application for Federal Student Aid) does not automatically apply you for a Perkins Loan, as the Perkins Loan program was discontinued in 2017. However, the FAFSA is used to determine your eligibility for other federal financial aid programs, including Direct Subsidized and Unsubsidized Loans. If you are interested in a Perkins Loan, you would need to check with your school's financial aid office to see if they have any remaining funds or similar alternatives available.

Related Questions

How do you get a student loan if you are not 18?

You can still receive a federal loan. Complete your FAFSA.


Is there a way to get a student loan that is not FAFSA loan and does not require a cosigner?

If you're creditworthy, sure!


How does this compare to the fafsa?

Fafsa loans have a much lower interest rate than a loan you will get from the bank. Also, with fafsa a portion of your loan will be subsidized so you do not have to pay interest on that part. If you are already attending college talking to your financial counselor is the best bet.


How do student.s apply for a Direct Stafford Loan?

Complete the fafsa


Is FAFSA required for a student loan?

Yes, you must fill out a FAFSA if you would like to receive a Direct Subsidized Loan or a Direct Unsubsidized Loan. You must also fill it out if your parents would like to receive a PLUS loan for your education. A FAFSA is not required if you would like to receive a private loan from a bank. Private loans may have a higher interest rate. They will do a credit check and they may require you to have a co-signer.


Can a 19yr.old undergrad receive a loan without a cosigner?

A stafford or perkins loan, yes, IF you qualify through the FAFSA.


Can a graduate student apply for the FAFSA?

Yes, graduate students should fill out a FAFSA so they have the opportunity to find out their eligibility for a Pell grant, work study, a Direct loan, a Perkins loan, and a TEACH grant.


Where can you apply for a subsidized student loan for your college bound child?

They have to complete the FAFSA.


Where do students indicate their interest in being considered for a Direct Stafford Loan?

On the FAFSA


Please explain the process of obtaining a fafsa loan.?

www.fafsa.ed.gov/ is the place to go to receive to submit a free application in order to get a fafsa loan. You fill out the application, pick which school year you are needing financial aid for, and then wait to see if you are approved.


Can you get a student loan without applying for fasfa?

If the lender is not interested in student need then a FAFSA can be avoided. If it is a federal loan or grant it can't be avoided.


How can someone apply for a direct loan?

A direct loan is a type of loan that students can take out to pay for college. To apply for this loan, you need to fill out a FAFSA form. The information will be sent to your school where it will be decided whether you qualify for the loan.