Seven decisions to make before you borrow.

Use the checklist with your aid offer and your school's cost-of-attendance page. It is designed to be printed, marked up, and discussed.

Do these two things first.

01

Find the full annual cost

Include required fees, insurance, equipment, exams, travel, and realistic living expenses.

02

Calculate the remaining gap

Subtract gift aid and support you can genuinely count on before comparing borrowing options.