Talk to the university's financial aid office. This office will be able to let you know the exact person to address the appeal to and where to send it.
Put your contact information at the top, as well as any identifying account numbers or student IDs you already have with the university.
State right away that you want your student loan decision audited and reviewed immediately. Include a copy of the letter you received with the university's decision.
Explain why you feel you deserve a review. For example, you might feel your income was overestimated or your situation could have changed. Whenever possible, include documentation for the reasons you state.
Include the loan amount you want or how you want the student loan adjusted. Give the university something to work with, such as a $5,000 increase in the loan amount or a 2 percent drop in the interest rate.