Student loans are borrowed money that must be repaid with interest. Borrowing responsibly now will help your financial success in the future.

About Student Loans

If you don't have the money to pay for college, a student loan will enable you to borrow money and pay it back at a later date, with fees and interest.

Sources of loans include the federal government, state organizations and UMKC. Additionally, credit-based loans are offered through a variety of banks and other lenders. 


  • Your eligibility to secure a loan may be based on Cost of Attendance and financial need. Most federal loans require you to file a Free Application for Federal Student Aid (FAFSA)
  • Most loans do not require a credit rating, but issues in your credit history may disqualify you
  • Loans must be accepted and certified before they can be credited to your university account. Allow at least two weeks before the last date of the semester for loan certification and approval.

How much can you afford to borrow?

Types of Loans

Institutional loans

Loans by Borrower Type

Federal Loan Requirements

Additional Types of Aid