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The University of Washington participates in the major federal student loan programs to give our students the full range of options available for paying for college. We know that students would prefer to receive grants and scholarships, but the reality is that many of our students must rely on loans to help pay for their education. The federal loan programs offer a secure, government-regulated, reasonably affordable way to invest in yourself and your goal of a higher education.

Federal Student Loan Program

Student loans are financial obligations that must be repaid. Pay careful attention to the terms and conditions of any loan you accept to help pay for school. Do not borrow more than you need or can repay comfortably after leaving school.

Short-Term Loan Program

The Office of Student Financial Aid has funds available for short-term loans to assist students with temporary cash flow problems. Funds are generally available within one to four working days, only to students who are currently attending the university (loans cannot be processed between quarters). Repayment is due by the next quarter, or whenever additional funds such as financial aid arrive on account, whichever comes first. There is no interest on the short-term loans, but there is a service charge added to the repayment amount.

Students may apply online through MyUW under "Personal Services." Paper application forms are also available in the Financial Aid Office, but the processing time is longer.