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Follow the aid offer through to repayment.Move from FAFSA to a specific loan decisionSubmitting the FAFSA form begins the federal aid process; it does not itself deposit a loan or require you to accept one. Review the school's aid offer and confirm which loan types, amounts and award year it covers. Ask the financial-aid office about any information still needed.Before accepting, understand who is responsible for interest while you are in school. Direct Subsidized and Direct Unsubsidized Loans differ on that point. Confirm the conditions for your loan, the current interest rate and fee, and when repayment begins rather than applying another student's terms to your situation.Other arrangements to compareOverall student budgetUse the full aid offer to identify the gap before accepting a federal loan amount.

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