Tuition is just the starting point–undergraduate students never pay the full price at Andrews. After scholarships and grants, Andrews can be less expensive than institutions with even lower tuition. Find out how Andrews invests in you.


Federal Loans

Applying for and receiving Federal Direct Loans
Once you have filed your FAFSA (Free Application Federal Student Aid), your eligibility for Federal Direct student/parent loans will be determined. Your financial aid award letter will state your eligibility amounts. If you decide that you wish to take part in the Federal Direct loan program, there are 3 simple steps to complete. You will want to have your award handy to refer to as you begin the process of applying for loans. The steps for all Federal Direct Loans (Subsidized, Unsubsidized, Parent loan, and Perkins) are the same. However, the Perkins loans do have separate request forms and promissory notes, so take special care to complete the correct form for your particular loan.

Step 1: Fill out and submit a current loan request form. Please read this form carefully and fill in all necessary blanks. Incomplete forms will not be processed.

  • Student Direct Loan (Stafford Loan) Request Form*:
    • To complete this form online, click here (Preferred Method) or
    • Download, complete and submit PDF
  • Perkins Loan Request Form:
    • Download, complete and submit PDF
  • Parent Loan (PLUS) Request Form*:
    • To submit this form online, click here (Preferred Method) or
    • Download, complete and submit PDF

Step 2: Visit the Loan Entrance Counseling website and answer a few simple questions regarding your rights and responsibilities as a borrower.  Once completed, the results will be electronically sent to our department. Typically, these results take 24 hours to reach us. Please allow sufficient processing time. This step will only need to be completed once during your time at Andrews.


Step 3: Sign Student Direct (Stafford) Loan, Parent Loan (PLUS) Master Promissory Note & Perkins Promissory Note.

This is the electronic equivalent of 'endorsing' your loan. Without a master promissory note on file, your loan application is incomplete and you cannot count this loan as accepted aid and your loan will not disburse. As with the loan entrance counseling, this step will only need to be completed one time for each type of loan (Sub, Unsub, Parent, and/or Perkins). Electronic signing is quick and easy.

Go to

Sign Sign Student Direct (Stafford) Loan, Parent Loan (PLUS) Master Promissory Note: Click Here.

Sign Perkins Promissory Note: Click Here.  


*By logging into finVue, you will be able to complete and submit this form online. This method is the most expedient option. As an alternative, you may download, complete and submit a PDF copy of the form. Please see downloaded documents for instructions on how to complete these forms.


Alternative Loans

Andrews University will certify a private, alternative loan from the lender of your choice. Students should research private student loan options at reputable web sites such as