Skip navigation to content

How to apply

Overview

For quick reference, follow the steps below.

Step 1

Complete FAFSA at www.fafsa.ed.gov. Please note this information is not automatically forwarded to foreign schools.

Complete FAFSA (Free Application for Student Aid)

  • Any U.S. student wishing to apply for loans through the Direct Loan Program must first complete a FAFSA. The FAFSA must be completed for each year of study. To apply for funding for the next academic year we recommend that you complete your FAFSA by 30th May to begin our loan processes as you will be expected to pay an instalment of your fees when you enrol in September.
  • You should complete your FAFSA on-line at www.fafsa.ed.gov. You will be required to create an FSA ID which is a username and password that gives you access to Federal Student Aid’s online systems and can serve as your legal signature. Create a new FSA IDOnce complete you can access your application online.
  • In order for the university to download your Student Aid Report (SAR), The University of St Andrews MUST either be included on your FAFSA or you MUST provide us with your Data Release Number (DRN) University of St Andrews school code is G08461 (OPEID 00846100).

Step 2

Email usloan@st-andrews.ac.uk with your social security number, date of birth and full name in order for the US Loan Team to download your SAR.

Update University of St Andrews with information for SAR purposes - required because this information is not automatically forwarded to foreign schools.

  • Once you have completed your application a Student Aid Report (SAR) will be produced by FAFSA. Please e-mail your social security number and date of birth to usloan@st-andrews.ac.uk in order for the University to download your SAR. Please note, foreign schools do not receive the SAR directly from FAFSA.

Step 3

University of St Andrews, US Loan team will advise you of the loan amounts you are eligible to apply for. This process will begin from the end of May each year following the Cost of Attendance update.

Please email back with the loan type(s) and amount(s) you are requesting. We need this as your authorisation to proceed. You can now move on to complete steps 4 and 5.

University of St Andrews will notify you of your loan eligibility

  • Once we can access your Student Aid Report (SAR) we are then in a position to calculate the amount of loans that you are entitled to apply for to the US Department of Education.
  • We will email you the loan amounts you are eligible to apply for. This process will begin from the end of May each year following the Cost of Attendance update.
  • You MUST reply with any loan amounts you are applying for IN USD to enable the University to progress your application.

Step 4

Complete entrance counselling at Student Loans.

Complete entrance counselling

  • The US Department of Education requires that all first time loan borrowers through the Direct Loan Program complete a loan counselling session before you receive your loan funds. If you have already completed Entrance Counselling for your current program you will not be required to complete it again.
  • To complete the entrance counselling please click on the link to the Student Loans.

Step 5

Sign the Master Promissory Notes (Subsidized/Unsubsidized and Plus) and complete the Plus Loan Application (parent or postgraduate student) at Student Loans.

Complete your Master Promissory Note (MPN) and Plus Loan Application

  • All students must complete a Direct Loan Master Promissory Note to apply for the Direct Subsidized/Unsibsidized (Stafford) Loan. For Direct Plus Loans a parent of an undergraduate student (or a postgraduate student themselves) will have to complete the Loan Application and ALSO the Master Promissory Note. This can all be done at Student Loans
  • The University will start the loan certification process in July. Once your loans have been certified we will email a loan confirmation document which will confirm the net loan amounts to be received by the university and the disbursement dates that the funds are expected to reach the University's bank account.
  • Any surplus credit balances will be paid as soon as possible, but no later than: (1) 14 calendar days after the balance occurred if the credit balance occurred after the first day of class of a payment period; or (2) 14 calendar days after the first day of class of a payment period if the credit balance occurred on or before the first day of class of that payment period.

Step 6

Arrive and register at the University of St Andrews.

Arrive and complete Matriculation/Registration at the University of St Andrews

  • All US loan students whom will be using these funds against tuition and/or accommodation fees should confirm they are to be in receipt of US Loans on the tuition and/or accommodation element(s) of their online matriculation.
  • The Student Registry will send out e-mails in August inviting students to begin their matriculation process online.

Step 7

Funds received by the University of St Andrews on your behalf.

Funds received by the University of St Andrews on your behalf

  • Postgraduate Disbursements:- As standard, loan funds will be disbursed directly to the University in September, January and May. Each loan disbursement will be applied towards the payment of your tuition and/or accommodation fees. An instalment plan to pay 1/3 of your fees will be set up in line with your loan disbursements. Any credit balance after your fees have been paid will be refunded to you after each disbursement. Any shortfall due towards your fees must be paid immediately after each loan disbursement.
  • Undergraduate Disbursements:- As standard, loan funds will be disbursed to the University in September and January. Each loan disbursement will be applied towards the payment of your tuition and/or accommodation fees. An instalment plan to pay 1/2 of your fees will be set up in line with your loan disbursements. Any credit balance after your fees have been paid will be refunded to you after each disbursement. Any shortfall due towards your fees must be paid immediately after each loan disbursement.

Step 8

Tuition and/or Accommodation fees are deducted and then any overpayment refunded.

Please log into MySaint to check your financial statement. 'My Details' >> 'Student Finance' >> 'My Financial Statement'. If there is a shortfall this should be paid immediately. You will be required to enter UK bank details in order for a refund to be processed. 'My Details' >> 'Student Finance' >> 'Manage my Bank Details for Refunds'.

Tuition and/or Accommodation Fees deducted and any shortfall or overpayment processed

  • In order to receive any refund please log into MySaint to enter your UK bank details. Failure to update your details will delay the refund to your account.
  • Any surplus credit balances will be paid as soon as possible, but no later than: (1) 14 calendar days after the balance occurred if the credit balance occurred after the first day of class of a payment period; or (2) 14 calendar days after the first day of class of a payment period if the credit balance occurred on or before the first day of class of that payment period.
  • Any shortfall can be paid through MySaint 'My Details' >> 'Student Finance' >> 'My Financial Statement'

See also

Enquiries

Can't find what you are looking for?

Search our FAQs or submit your own question…

Ask a question

See also