Students in the U.S. can get government student loans from either the federal government or a state government. Students in Canada can get government student loans from either the Canadian government or a provincial government.

A student whose home lies within a territory of the U.S. has reason to inquire about loans provided by the territorial government.

In the United States, all government student loans are based on financial need. The student initiates his or her application for the loan by completing a FAFSA. Any students, who hesitate to complete a FAFSA, perhaps because they fear that they would not qualify for a loan, should go online and obtain a FAFSAcaster.

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