Student loans

Student loans can help bridge the gap between your financial aid and the full cost of college. And at NAU, we want to help you borrow wisely. When scholarships, grants, and personal savings don’t cover everything, student loans can be a helpful resource. We recommend starting with federal direct loans because they usually come with lower interest rates, flexible repayment plans, and protections you won’t find with private loans. Whether you’re using loans for tuition, textbooks, or living expenses, understanding how borrowing works now will set you up for success later.