Determine your eligibility for the Stafford loan. In order to qualify for a loan, you must be a U.S. citizen, permanent resident or eligible noncitizen. You need to have been accepted to a participating school, and you need to be enrolled at least half time.
Correct any past financial mishaps. In order to receive a Stafford loan, you cannot be in default on another student loan or owe money for an educational grant.
Submit a Free Application for Federal Student Aid (FAFSA). This can be done through the FAFSA website (see Resources below). You can also use the website to track the progress of your application. Having a FAFSA on file is a requirement to receive a Stafford loan.
Go to the FAFSA website to determine whether or not you can still be claimed as a dependent by your parent or guardian. Once on the website, click on "Determine Your Dependency Status." If you determine you are independent, you will be allowed to borrow a greater amount of money because you are paying your own way through college. Universities can also determine dependency for their students. You are likely considered a dependent unless you are returning to school after a break.
Go to the Stafford loan website to fill out an application for the Stafford loan. You can also get your questions answered, and learn more about the Stafford loan options and repayment plans (see Resources below). You’ll also find links to other private student loan options if you still need to borrow money to cover your tuition costs.