Loan Process

  1. Apply for financial aid - Once you complete the FAFSA, the Financial Aid Office will determine student eligibility for financial aid (including loans) and notify students of their financial aid award.
  2. Review award package on NetPartner - It is important to make informed decisions and borrow wisely. Scholarships and grants do not need to be repaid. Students are not required to borrow the full amount of loans that have been offered.  Understand the ways to pay for education expenses - grants, scholarships, installment payment plan, tuition prepayment plan, and loans. Federal loans offer borrower protections in the form of deferment and forbearance options.
  3. Your awards, including loans, are accepted for you - Students can choose to accept the full amount offered, accept a partial amount based on what is needed, or decline the loans completely.  Students must email the Financial Aid Office at to request to have their loans adjusted.
  4. Complete loan requirements - Incomplete requirements are displayed in NetPartner immediately after the loan is accepted. Loan requirements generally include completion of entrance counseling and a promissory note
  5. Disbursement - Once loans have been accepted and all requirements have been completed, the loan funds will be disbursed (paid) to the student account on the date set for that semester. If the loan disbursement results in a credit balance on the student account, students may request a refund from the Student Accounts department. ( 325-793-3815 or
  6. Keep track of borrowing each year - Borrowers can now access their federal student aid history directly on the NSLDS 
  7. (National Student Loan Database System). Borrowers can view their federal student aid history, get their federal servicer's contact information, and download their federal student aid history using the MyData Download function.
  8. Complete Exit Counseling before leaving school - Exit Counseling is a mandatory requirement whether you are taking a leave of absence, withdrawing, graduating, or enrolling less than half-time.
  9. Repayment - Loans enter a grace period when you leave school and then enter repayment. Get to know your servicers and set up online access to repay your loans.

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