 TITLE: What Is an Unsubsidized Student Loan? CONTENT: How to Apply For an Unsubsidized Student Loan\n---------------------------------------------\nFirst, make sure you meet the following criteria to qualify for an unsubsidized student loan. You must:\n*   Be a U.S. citizen or national, or a permanent resident\n*   Be enrolled on at a least half-time basis at an accredited institution\n*   Have no loan defaults or owe a refund to any previous student loan or aid\n*   Stay in good academic standing\nHere's how to apply:\n1.  Fill out the Free Application for Federal Student Aid (FAFSA). The government and colleges use this form to determine financial aid packages. Make sure you submit it by the annual deadline.\n2.  Go over your financial aid letter. You will receive a financial aid award letter from your school's financial aid office listing the loan options you qualify for and explaining how to accept them. You may be approved for both subsidized and unsubsidized loans; you can then determine how much of the approved amount you will request (you do not have to take the entire amount you are offered if you don't need it).\n3.  Complete the paperwork and requirements to receive your loan. This entails signing a promissory note (the loan agreement). If it's your first time receiving a federal loan, you'll have to complete online entrance counseling to make sure you understand your responsibilities and obligations as a borrower.\n4.  Receive your loan(s). When your loans come in, your school will put them toward your tuition, room and board (if you live on campus), or any other school fees. If there's any remaining money, it will be given to you. END