Many students must rely on educational loans to cover at least some portion of their educational costs. Educational loans are available to undergraduate and graduate students as well as parents of undergraduate students.

When you file the FAFSA, the Office of Financial Aid automatically considers your eligibility for federal loan funding. However, for other loan programs, you will have to take additional steps or meet certain criteria for consideration.

Student loan borrowing is an investment in your future. When deciding to borrow, it is very important that you obtain the best possible loans available to you in terms of interest rates and repayment options.

The Office of Financial Aid will always offer you the best educational loans available and your maximum student loan eligibility. However, you should consider borrowing only an amount you absolutely need to keep your loan indebtedness as low as possible. Remember, you have to repay these funds at a later time and will want to have a modest loan repayment amount..

EMU follows a code of conduct [PDF] for student loans that is applicable to all officers, employees and agents of EMU and any affiliated organizations with responsibilities (directly or indirectly) with respect to private student loans. 

National Student Loan Data System (NSLDS): Your federal loan information is reported to NSLDS and can be accessed by you, your loan guarantors and servicers, and other authorized users.​

How do I apply for a student loan?

Student loans are funded through the federal government. To receive any type of student loan, you must first fill out a Free Application for Federal Student Aid (FAFSA). For more information on filling out the FAFSA, go to This application allows you to apply for two types of federal loans: subsidized and unsubsidized.

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