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Secure Your Future Today
With the cost of education rising annually, you need someone to help make your college dreams come true. At the University of Utah Credit Union we offer an array of student loan services that are guaranteed through the federal government and are designed to fit your individual needs. Let us take the worry out of the cost of education so that you can focus on more important issues, like homework and homecoming.

With the right people by your side the process is easy. Our great student services staff have all the answers and can help you every step of the way. Just follow the quick 4 step process provided and you'll be on your way.

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We'll get you there, the rest is up to you.

Student Loan Education	Steps To Apply
Additional Aid Info	Local Schools

Student Loan Education
10 things you need to know before getting a student loan.

1. Apply after January 1st and before June 30th for the next school year.

2. Both undergraduate and graduate students may borrow money.

3. Loans are only available if you are a regular student enrolled in an eligible     program at least part time. You must be a US citizen, have a high school     diploma, GED or pass the ATB test.

4. Students must be enrolled in a program that is longer than one third of a year.

5. Request and use your PIN number to electronically sign your FAFSA application, make corrections     on your FAFSA application online and review your federal loan history. (www.pin.ed.gov)

6. Be aware of scams and services that will search for financial aid money for you for a fee.

7. Subsidized and unsubsidized loans vary in their interest and principal loan amount repayment     schedules. Make sure you understand what is being paid, by who and when it must be repaid.

8. You can apply for both a Subsidized loan and a Unsubsidized loan at the same time.

9. You can choose to pay interest only on your student loan, or let it capitalize until you graduate. You     will pay more if you let it capitalize.

10. Not all schools participate in all federal student aid programs. Ask your school's financial aid     administrator which programs are available.

To Apply Follow These Simple Steps:

Step 1.
Become a University of Utah Federal Credit Union member.


Step 2.
Pick up your Free Federal Student Aid Application (FAFSA) at any of our branches, your school, or apply online at www.fafsa.ed.gov. Complete and submit the Student Aid Application and any other information your school requires directly to the school you will attend.

Step 3.
Contact your finacial aid department at the college of your choice.

Step 4.
When you receive your promissory note in the mail, complete it and return according to the accompanying instructions. Or, sign your promissory note electronically at uheaa.org. The Loan Guaranty Agency will then send the promissory note to the University of Utah Federal Credit Union. Once received, your funds will be disbursed to you as instructed by your school. You will be notified of disbursement by mail.

Apply early so the money will be ready when you are. Visit www.fafsa.ed.gov. for application submission deadlines.

*Independent student- Report only your own income and assets (and those of your spouse, if you are married)   24 years old by December 31 or the award year   An orphan or ward of the court until age 18   Veteran of the U.S. armed forces   Graduate or professional student (enrolled working on a Masters or Doctorate program)   Married   Student has legal dependent other than a spouse   Special circumstances as documented by financial aid Dependent student- Report your own and your parents income and assets.   Access to parental support   Does not qualify as and independent student

Local Schools

• University of Utah - Finance Page
• Salt Lake Community College - Finance Page
• *We accept student loan applications for all acredited colleges, universities, and institutions of higher learning

Additional Aid Information:

For additional information of interest for students seeking financial aid, with links to general information about student aid programs and other sources of aid for education, vist:

•   www.fafsa.edu.gov
•   www.students.gov
•   www.studentaid.ed.gov