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To apply for federal student loans, submit a Application for Federal Student Aid form to the colleges or career schools where intends to do course.

Citibank, Wells Fargo, Sally Mae, Sun Trust, and Chase are among banks that provide student loans. There are other noted credit unions that may offer loans on certain conditions.

It usually takes from 2 weeks to 2 months for banks or financial institutions to disburse the loans to the loan applicant after the loan approval process goes through.

By completing a Application for Federal Student Aid form through the FAFSA website, it is possible to apply for federal students loans without cosigners.

Driver's license, federal tax returns, bank statements, income documentation, Social Security number and W-2s are usually required to apply for student loans without a cosigner.

Usually, it takes about 10 years to pay off student loans, however, people may take longer depending on the added interest rates and whether they are able to meet all the repayment deadlines.