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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 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 strongly recommend that you complete your FAFSA by 31st March 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. To sign your application, you require a PIN number. Once complete you can access your application online.
  • In order for us to download your 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
  • If you have applied previously for a Loan through the Federal Family Education Loan Program, your personal information will be on file and you should therefore complete the Renewal FAFSA. You will be asked to update your personal details such as income and assets. 

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 the University does 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 middle of May each year following the Cost of Attendance update.

In order for us to proceed please email back with the loan type(s) and amount(s) you are requesting.   You can now move on to complete steps 4 and 5.

University of St Andrews will notify you of your loan eligibility

  • Once we receive your Student Aid Report (SAR) we need to record your details on our database and download your original SAR. We are then in a position to calculate the amount of loan that you are entitled to.
  • We will email you let you know the loan amounts you are eligible to apply for. This process will begin from the middle of May each year following the Cost of Attendance update.
  • You MUST email back with any loan amounts you are applying for 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 through the Federal Family Education Loan Program you will not be required to complete the Entrance Counselling.
  • To complete the entrance counselling please click on the link to the Student Loans.

Step 5

Complete your Loan Application (Plus) and Master Promissory Note (Subsidized/Unsubsidized and Plus) 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 Plus Loans you will have to complete the Loan Application and also the Master Promissory Note. Please click on the link Student Loans The University will start the loan certification process in July. Once your loans have been certified we will email your award confirmation letter which will confirm the loan amounts and disbursement dates that the money reaches the University's bank account. Any refunds are processed within 14 days of the loan disbursement date.

Step 6

Arrive and register at the University of St Andrews.

Arrive and register at the University of St Andrews

  • All US loan students who 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.

Step 7

Funds received by University of St Andrews on your behalf.

Funds received by University of St Andrews on your behalf

  • Postgraduate Disbursements:- Funds will be disbursed 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 a third of your fees will be set up to coincide with the loan disbursements. Any surplus received after your fees have been paid will be refunded to you at each disbursement. Any deficit due towards your fees must be paid immediately after each loan disbursement.
  • Undergraduate Disbursements:- 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 a half of your fees will be set up to coincide with the loan disbursements. Any surplus received after your fees have been paid will be refunded to you at each disbursement. Any deficit due towards 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. If there is a shortfall this should be paid immediately. You will be required to enter your bank details in order for a refund to be processed.

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.

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