If you need a loan for the fall semester but only spring do still have to apply it before that start of school year?

Yes, you typically need to apply for financial aid, including loans, before the start of the school year. The Free Application for Federal Student Aid (FAFSA) is generally available starting October 1st for the following academic year. Therefore, if you need a loan for the fall semester, you should submit your FAFSA as early as possible.

This allows time for your financial aid application to be processed and for the school to determine your eligibility for loans and other forms of financial aid. Some schools and lenders may have specific deadlines for loan applications, so it's important to check with your school's financial aid office for more information. If spring only, you'll still need to apply early enough for processing and packaging of that loan as well as the disbursement dates.