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When you apply for financial aid, you may be offered loans as part of your financial aid offer. A loan is money you borrow and must pay back with interest.

If you decide to take out a loan, make sure you understand the terms and conditions of the loan. Student loans can be funded by the federal government or from private sources such as a financial institution. Federal student loans, loans made by the federal government, usually offer borrowers lower interest rates and have more flexible repayment options than other loans.

Responsible borrowing helps you pay for college, but also helps you establish a good credit history.

Explore all the student loan information, including average debt repayment for students graduating from The University of Tulsa.


Federal Perkins Loan – This loan program was eliminated by the U.S. Department of Education. If you have questions regarding your past Perkins Loan, please contact the TU Bursar’s Office at 918-631-2606. If you default on your Perkins Loan, the credit bureau must be notified.