Student loans

Paying for college is a big investment, and student loans can help fill the gap when scholarships, grants, and savings aren’t enough. At NAU, we recommend starting with direct (federal) loans because they typically have lower interest rates and more flexible repayment options than private ones. Whether you're covering tuition, books, or living expenses, it's important to understand how loans work and what to expect after graduation. We're here to help you make smart choices about borrowing.