Even though student loans are a primary souce of financial aid, it is recommended that every student explore all possible grant and/or scholarship options before applying for a loan. Please visit the National Association of State Student Grant & Aid Programs website to see if you may qualify for grant and/or scholarship assistant from your home state prior to applying for a student loan. Please keep in mind that all loans, including student loans, represent debts that must be repaid; however, most student loans do not go in to repayment until after you leave school or graduate. In addition to delayed repayment, most student loans have relatively low interest rates, several repayment options from which to choose, circumstances under which you can postpone repayment, and other favorable terms and conditions. For additional information regarding the Direct Student Loan, please refer to the Direct Loan Basics for Students brochure, or the Direct Loan Website.
In order to apply for any type of Federal Direct Student Loan (subsidized, unsubsidized, and/or a PLUS loan), you must complete the financial aid application process at Kettering College. For more information regarding this process refer to How to Apply.
During the processing of federal student loans, students and/or parent borrowers will have their loan information submitted to the National Student Loan Data System. This information will be accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system.