If your financial award package includes an education loan, you are responsible for applying for it. Instructions will be included with the award package.

Loans have made higher education possible for millions of students-but you and your family should consider your options carefully before borrowing.

Borrow wisely and as a last resort. Just because a loan is available does not mean that taking the loan is wise or necessary. Don't borrow more than you need. Every dollar you do not borrow is a dollar you do not have to pay back.

The Sallie Mae Fund sponsors nationwide Paying for College Seminars to educate high school students and their parents on borrowing responsibly. Visit The Sallie Mae Fund to see when a seminar is coming to your community.