Education Financing Calendar

The student loan process is driven by a number of crucial deadlines throughout the year. We invite you to use this calendar as a reminder for some of the more important milestones you should keep in mind.

Important Dates and Deadlines


  • File the Free Application for Federal Student Aid (FAFSA) ASAP after January 1st if you’re entering school next fall.


  • Be sure to complete the FAFSA to secure federal aid.
  • To expedite the process, you may want to ask your parents to file their tax return early.


  • Later this month, look for your financial aid award letter(s) from the schools you applied to.
  • Deposits for the fall semester are usually due May 1st, so in preparation, start to research financing options.


  • Compare your award letters from the schools you applied to.
  • Accept the financial aid package the school has offered (instructions are on your award letter).
  • After accepting, you may need to complete more forms to secure your Federal Direct Loans.


  • Notify your school that you plan to attend (the deadline at many schools is May 1st).
  • Make sure to have all grants, scholarships and Federal Direct Loans in place.
  • Consider our Citizens Bank Student Loan, a private student loan.


  • Plan to attend freshman orientation with your parents.
  • Begin planning for incidental expenses you'll incur at school.
  • Consider our Citizens Bank Student Loan, a private student loan.


  • Make sure your on- or off-campus housing arrangements are set.
  • Contact your roommate(s) to coordinate arrangements.
  • Consider our Citizens Bank Student Loan, a private student loan.


  • Review your final checklist for school.
  • Make sure you have everything ready that you’ll be bringing along.
  • Take one last look at your anticipated expenses.


  • Take advantage of your school’s entrance counseling provided by the financial aid office (the government requires this for all borrowers).
  • This provides you with a good overview of your loan obligations.


  • Begin thinking about next semester.
  • If you need money for upcoming semesters, consider a private student loan like our Citizens Bank Student Loan™.


  • When thinking about next semester’s costs, you might want to consider a private student loan, like our Citizens Bank Student Loan, for any gaps in your financing.


  • Now that you’re near the end of the semester, this is a good time to think about how your finances will cover your remaining semesters.
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