In general, students should seek forms of support that do not require repayment—for example, fellowships or assistantships—and use loans sparingly.
Be certain you know all your options before you incur debt. Student indebtedness is an increasing problem for many graduates, and it is a problem best dealt with by limiting indebtedness in the first place.
The Office of Student Financial Services provides the resources you need to make an informed decision on student loans. There, you’ll learn the details on the types of loans available, how to apply for them, and how to manage them once you’ve received them.