There are two main types of student loans—federal and private. Here's how to get them:

• Federal: Submit your FAFSA. Once your application has been processed, sign in to your Federal Student Aid account and read over the terms of the loan. If you want to accept the loan, digitally sign and submit the agreement.

• Private: Research your options carefully. Look for lenders that offer lower interest and payment plans that work best for your personal situation. Once you find your best option, apply through the lender's website or through a lender marketplace.