How Long Does It Take to Get a Student Loan?

Federal Loans Take a Few Weeks – FAFSA processing usually takes 3–5 days online or up to 3 weeks by mail.

 Private Loans Vary – Approval can take a few days to a few weeks, depending on the lender.

– School Certification Adds Time – Schools must verify enrollment, which can take 1–2 weeks.

 Disbursement Timing – Once approved, funds are sent to the school, usually within 1–2 weeks.

– Emergency Loans May Be Faster – Some lenders offer quick funding for urgent needs.

Peak Season Delays – Applying early helps avoid delays during busy school seasons.

Check with Your Lender – Processing times vary, so confirm with your loan provider for accurate timing.