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Applications can be submitted online, and you can have an answer in minutes. A parent may borrow as little as 00 up to the full cost of tuition.En Español Mapping Your Future's Online Counseling allows you to fulfill entrance and exit loan counseling requirements anytime, anywhere — all from the convenience of a computer.The remaining information has been retained for historical purposes ** Academic Management Services (AMS) is a subsidiary of Sallie Mae.AMS student loans are suited to all elements of your education, from federal through private loans.

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Your credit history can affect how much loan money you may receive.If you have bad credit and no cosigner, your best bet is to apply for federal student aid.Most federal loans are based on financial need and do not require a cosigner or credit check.A loan that combines two or more federal education loans into a single loan. Department of Education and does not require borrowers to pay an application fee.A Direct Consolidation Loan allows the borrower to make a single monthly payment. A Direct Consolidation Loan allows borrowers to lower the number of loan payments they have to make each month, combining them into a single payment.

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