State Student Loans

Research Your State

Like Federal student loans, state student loans are affordable and trustworthy. For most state programs, you need to either be resident of that state or be enrolled in a college or university in that state.

Each state has its own programs, so you need to do research for each state where you might qualify for loans. The place to start is the states higher education authority. This agency is called something different in each state, but each state has one, and their website will lead you to the most current and accurate information.

Alabama
Alabama Commission on Higher Education
P.O. Box 302000
Montgomery, AL 36130-2000
Phone: (334) 242-1998
Toll-Free: (800) 960-7773
Toll-Free Restrictions: AL Residents Only
Fax: (334) 242-0268
Email: deborah.nettles@ache.alabama.gov or tim.vick@ache.alabama.gov
Website: http://www.ache.alabama.gov

Alaska
Alaska Commission on Postsecondary Education
P.O. Box 110505
Juneau, AK 99811-0505
Phone: (907) 465-2962
Toll-Free: (800) 441-2962
Fax: (907) 465-5316
TTY: (907) 465-3143
Email: customer_service@acpe.state.ak.us
Website: http://alaskadvantage.state.ak.us/

Arizona
Arizona Commission for Postsecondary Education
Suite 650
2020 North Central Avenue
Phoenix, AZ 85004-4503
Phone: (602) 258-2435
Fax: (602) 258-2483
Email: jsloan@azhighered.gov or acpe@azhighered.gov
Website: http://www.azhighered.gov/home.aspx

Arkansas
Arkansas Department of Higher Education
114 East Capitol
Little Rock, AR 72201-3818
Phone: (501) 371-2000
Fax: (501) 371-2001
Email: rickj@adhe.edu
Website: http://www.adhe.edu

California
California Student Aid Commission
P.O. Box 419027
Rancho Cordova, CA 95741-9027
Phone: (916) 526-7590
Toll-Free: (888) 224-7268
Fax: (916) 526-8004
Email: studentsupport@csac.ca.gov
Website: http://www.csac.ca.gov/

Colorado
Colorado Department of Higher Education
Suite 1600
1560 Broadway
Denver, CO 80202
Phone: (303) 866-2723
Fax: (303) 866-4266
Email: executivedirector@dhe.state.co.us
Website: http://highered.colorado.gov/

Connecticut
Connecticut Department of Higher Education
61 Woodland Street
Hartford, CT 06105-2326
Phone: (860) 947-1800
Toll-Free: (800) 842-0229
Fax: (860) 947-1310
Email: lnegro@ctdhe.org or meotti@ctdhe.org
Website: http://www.ctdhe.org/

Delaware
Delaware Higher Education Commission
Fifth Floor
Carvel State Office Building
820 North French Street
Wilmington, DE 19801
Phone: (302) 577-5240
Toll-Free: (800) 292-7935
Fax: (302) 577-6765
Email: dhec@doe.k12.de.us or mlaffey@doe.k12.de.us
Website: http://www.doe.k12.de.us/dhec/

District of Columbia
Office of the State Superintendent of Education (District of Columbia)
State Board of Education
441 Fourth Street, NW
Suite 350 North
Washington, DC 20001
Phone: (202) 727-6436
Toll-Free: (877) 485-6751
Fax: (202) 727-2834
TTY: (202) 727-1675
Email: osse@dc.gov or sboe@dc.gov
Website: http://osse.dc.gov

Florida
Office of Student Financial Assistance (Florida)
State Department of Education
Suite 70
1940 North Monroe Street
Tallahassee, FL 32303-4759
Phone: (850) 410-5180
Toll-Free: (888) 827-2004
Toll-Free Restrictions: FL residents only
Fax: (850) 487-1809
Email: Theresa.Antworth@fldoe.org or osfa@fldoe.org
Website: http://www.floridastudentfinancialaid.org/osfahomepg.htm

Georgia
Georgia Student Finance Commission
Loan Services
2082 East Exchange Place
Tucker, GA 30084
Phone: (770) 724-9000
Toll-Free: (800) 505-4732
Fax: (770) 724-9089
Email: gsfcinfo@gsfc.org or monetr@gsfc.org
Website: http://www.gsfc.org/

Hawaii
State Postsecondary Education Commission (Hawaii)
Office of the Board of Regents
Room 209
2444 Dole Street
Honolulu, HI 96822-2302
Phone: (808) 956-8213
Fax: (808) 956-5158
Email: bor@hawaii.edu or ppang@hawaii.edu
Website: http://www.hawaii.edu/offices/bor/

Idaho
Idaho State Board of Education
P.O. Box 83720
650 West State Street
Boise, ID 83720-0037
Phone: (208) 334-2270
Fax: (208) 334-2632
Email: board@osbe.idaho.gov or tracie.bent@osbe.idaho.gov
Website: http://www.boardofed.idaho.gov/

Illinois
Illinois Student Assistance Commission
1755 Lake Cook Road
Deerfield, IL 60015-5209
Phone: (847) 948-8500
Toll-Free: (800) 899-4722
Fax: (847) 831-8549
TTY: (847) 831-8326
Email: collegezone@isac.org or jeckley@isac.org
Website: http://www.collegezone.com/

Indiana
Indiana Commission for Higher Education
Suite 550
101 West Ohio Street
Indianapolis, IN 46204-1984
Phone: (317) 464-4400
Fax: (317) 464-4410
Email: jennifers@che.in.gov or kens@che.in.gov
Website: http://www.che.in.gov/

State Student Assistance Commission of Indiana
Suite 500
150 West Market Street
Indianapolis, IN 46204-2811
Phone: (317) 232-2350
Toll-Free: (888) 528-4719
Toll-Free Restrictions: IN residents only
Fax: (317) 232-3260
Email: grants@ssaci.state.in.us
Website: http://www.ssaci.in.gov/

Iowa
Iowa College Student Aid Commission
Fourth Floor
200 10th Street
Des Moines, IA 50309
Phone: (515) 725-3400
Toll-Free: (800) 383-4222
Toll-Free Restrictions: IA residents only
Fax: (515) 725-3401
Email: info@iowacollegeaid.org or keith.greiner@iowa.gov
Website: http://www.iowacollegeaid.gov/

Kansas
Kansas Board of Regents
Curtis State Office Building
Suite 520
1000 SW Jackson Street
Topeka, KS 66612-1368
Phone: (785) 296-3421
Fax: (785) 296-0983
Email: cbollig@ksbor.org or rrobinson@ksbor.org
Website: http://www.kansasregents.org/

Kentucky
Kentucky Higher Education Assistance Authority
P.O. Box 798
Frankfort, KY 40602-0798
Phone: (502) 696-7200
Toll-Free: (800) 928-8926
Fax: (502) 696-7496
TTY: (800) 855-2880
Email: inquiries@kheaa.com
Website: http://www.kheaa.com/

Louisiana
Louisiana Office of Student Financial Assistance
P.O. Box 91202
Baton Rouge, LA 70821-9202
Phone: (225) 922-1012
Toll-Free: (800) 259-5626 x1012
Fax: (225) 922-0790
Email: custserv@osfa.la.gov
Website: http://www.osfa.la.gov

Maine
Finance Authority of Maine
P.O. Box 949
Augusta, ME 04332-0949
Phone: (207) 623-3263
Toll-Free: (800) 228-3734
Fax: (207) 623-0095
TTY: (207) 626-2717
Email: education@famemaine.com
Website: http://www.famemaine.com/

Maryland
Maryland Higher Education Commission
Suite 400
839 Bestgate Road
Annapolis, MD 21401-3013
Phone: (410) 260-4500
Toll-Free: (800) 974-0203
Toll-Free Restrictions: MD residents only
Fax: (410) 260-3200
TTY: (800) 735-2258
Email: jlyons@mhec.state.md.us
Website: http://www.mhec.state.md.us/

Massachusetts
Massachusetts Department of Higher Education
Room 1401
One Ashburton Place
Boston, MA 02108-1696
Phone: (617) 994-6950
Fax: (617) 727-6397
Email: cmccurdy@osfa.mass.edu or eavery@bhe.mass.edu
Website: http://www.mass.edu/

TERI College Planning Center
c/o Boston Public Library
700 Boylston Street, Concourse Level
Boston, MA 02116
Phone: (617) 536-0200
Toll-Free: (877) 332-4348
Toll-Free Restrictions: MA residents only
Fax: (617) 536-4737
Email: horton@teri.org or harge@teri.org
Website: http://www.tericollegeplanning.org/

Michigan
Student Financial Services Bureau
P.O. Box 30047
430 W. Allegan, 3rd Fl.
Lansing, MI 48909-7547
Toll-Free: (800) 642-5626 x37054
Fax: 517-241-0155
Email: sfs@michigan.gov or kiefern@michigan.gov
Website: http://www.michigan.gov/studentaid

Minnesota
Minnesota Office of Higher Education
Suite 350
1450 Energy Park Drive
St. Paul, MN 55108-5227
Phone: (651) 259-3901
Toll-Free: (800) 657-3866
Fax: (651) 642-0597
TTY: (800) 627-3529
Email: karen.buehre@state.mn.us or barb.schlaefer@state.mn.us
Website: http://www.ohe.state.mn.us/

Mississippi
Mississippi Institutions of Higher Learning
3825 Ridgewood Road
Jackson, MS 39211-6453
Phone: (601) 432-6623
Toll-Free: (800) 327-2980
Toll-Free Restrictions: MS residents only
Fax: (601) 432-6972
Email: commissioner@ihl.state.ms.us or sscott@mississippi.edu
Website: http://www.ihl.state.ms.us/

Missouri
Missouri Department of Higher Education
3515 Amazonas Drive
Jefferson City, MO 65109
Phone: (573) 751-2361
Toll-Free: (800) 473-6757
Fax: (573) 751-6635
TTY: (800) 735-2966
Email: info@dhe.mo.gov
Website: http://www.dhe.mo.gov/

Montana
Montana University System
2500 Broadway
P.O. Box 203201
Helena, MT 59620-3201
Phone: (406) 444-6570
Fax: (406) 444-1469
Email: lybrown@montana.edu or sstearns@montana.edu
Website: http://www.mus.edu/

Nebraska
Coordinating Commission for Postsecondary Education (Nebraska)
Suite 300
140 North Eighth Street
P.O. Box 95005
Lincoln, NE 68509-5005
Phone: (402) 471-2847
Fax: (402) 471-2886
Email: angela.dibbert@nebraska.gov or marshall.hill@nebraska.gov
Website: http://www.ccpe.state.ne.us/PublicDoc/CCPE/Default.asp

Nevada
No records found.

New Hampshire
New Hampshire Postsecondary Education Commission
3 Barrell Court
Suite 300
Concord, NH 03301-8543
Phone: (603) 271-2555
Fax: (603) 271-2696
TTY: (800) 735-2964
Email: pedes@pec.state.nh.us
Website: http://www.state.nh.us/postsecondary/

New Jersey
Higher Education Student Assistance Authority (New Jersey)
P.O. Box 540
Four Quakerbridge Plaza
Trenton, NJ 08625-0540
Phone: (609) 588-3226
Toll-Free: (800) 792-8670
Fax: (609) 588-7389
TTY: (609) 588-2526
Email: clientservices@hesaa.org or amaglione@hesaa.org
Website: http://www.hesaa.org/

New Jersey Commission on Higher Education
20 West State Street
P.O. Box 542
Trenton, NJ 08625-0542
Phone: (609) 292-4310
Fax: (609) 292-7225
Email: valerie.giraldi@che.state.nj.us or marguerite.beardsley@che.state.nj.us
Website: http://www.state.nj.us/highereducation/index.htm

New Mexico
New Mexico Higher Education Department
1068 Cerrillos Road
Santa Fe, NM 87505-1650
Phone: (505) 476-8400
Toll-Free: (800) 279-9777
Fax: (505) 476-8453
TTY: (800) 659-8331
Email: highered@state.nm.us or carlottam.abeyta@state.nm.us
Website: http://hed.state.nm.us/

New York
New York State Higher Education Services Corporation
99 Washington Avenue
Albany, NY 12255
Phone: (518) 473-1574
Toll-Free: (888) 697-4372
Fax: (518) 474-2839
TTY: (800) 445-5234
Email: webmail@hesc.org or rkermani@hesc.org
Website: http://www.hesc.org/

North Carolina
North Carolina State Education Assistance Authority
P.O. Box 13663
Research Triangle Park, NC 27709-3663
Phone: (919) 549-8614
Toll-Free: (866) 866-2362
Toll-Free Restrictions: NC residents only
Fax: (919) 549-8481
Email: robbie@ncseaa.edu or information@ncseaa.edu
Website: http://www.cfnc.org/

North Dakota
University System (North Dakota)
State Student Financial Assistance Program
Department 215
600 East Boulevard Avenue
Bismarck, ND 58505-0230
Phone: (701) 328-4114
Fax: (701) 328-2961
Email: peggy.wipf@ndus.edu
Website: http://www.ndus.edu/

Ohio
Ohio Board of Regents
State Grants and Scholarships Department
36th Floor
30 East Broad Street
Columbus, OH 43215
Phone: (614) 752-9475
Toll-Free: (888) 833-1133
Fax: (614) 752-5903
Email: cfoust@regents.state.oh.us
Website: http://www.uso.edu

Oklahoma
Oklahoma State Regents for Higher Education
Suite 200
655 Research Parkway
Oklahoma City, OK 73104
Phone: (405) 225-9100
Toll-Free: (800) 858-1840
Fax: (405) 225-9230
Email: communicationsdepartment@osrhe.edu or rrichardson@osrhe.edu
Website: http://www.okhighered.org/

Oregon
Oregon Student Assistance Commission
Suite 100
1500 Valley River Drive
Eugene, OR 97401
Phone: (541) 687-7400
Toll-Free: (800) 452-8807
Fax: (541) 687-7414
Email: public_information@mercury.osac.state.or.us
Website: http://www.osac.state.or.us/

Oregon University System
P.O. Box 3175
Eugene, OR 97403-0175
Phone: (541) 346-5700
Fax: (541) 346-5764
TTY: (541) 346-5741
Email: maggie_bice@ous.edu or melanie_bennett@ous.edu
Website: http://www.ous.edu/

Pennsylvania
Office of Postsecondary and Higher Education (Pennsylvania)
State Department of Education
12th Floor
333 Market Street
Harrisburg, PA 17126-0333
Phone: (717) 787-5041
Fax: (717) 772-3622
TTY: (717) 783-8445
Email: lspangler@state.pa.us or dtandberg@state.pa.us
Website: http://www.pdehighered.state.pa.us/higher/site/default.asp

Pennsylvania Higher Education Assistance Agency
1200 North Seventh Street
Harrisburg, PA 17102-1444
Phone: (717) 720-2800
Toll-Free: (800) 692-7392
Toll-Free Restrictions: PA residents only
Fax: (717) 720-3914
TTY: (800) 654-5988
Email: granthelp@pheaa.org or loanhelp@pheaa.org
Website: http://www.pheaa.org/

Rhode Island
Rhode Island Higher Education Assistance Authority
Suite 100
560 Jefferson Boulevard
Warwick, RI 02886-1304
Phone: (401) 736-1100
Toll-Free: (800) 922-9855
Fax: (401) 732-3541
TTY: (401) 734-9481
Email: info@riheaa.org
Website: http://www.riheaa.org/

Rhode Island Office of Higher Education
The Hazard Building
74 West Road
Cranston, RI 02920
Phone: (401) 462-9300
Fax: (401) 462-9345
TTY: (401) 462-9331
Email: ribghe@ribghe.org or amessier@ribghe.org
Website: http://www.ribghe.org/

South Carolina
South Carolina Commission on Higher Education
Suite 200
1333 Main Street
Columbia, SC 29201
Phone: (803) 737-2260
Toll-Free: (877) 349-7183
Fax: (803) 737-2297
Email: cbrown@che.sc.gov or frontdesk@che.sc.gov
Website: http://www.che.sc.gov/

South Dakota
South Dakota Board of Regents
Suite 200
306 East Capitol Avenue
Pierre, SD 57501-2545
Phone: (605) 773-3455
Fax: (605) 773-5320
Email: info@sdbor.edu
Website: http://www.sdbor.edu/

South Dakota Board of Regents
Suite 200
306 East Capitol Avenue
Pierre, SD 57501-2545
Phone: (605) 773-3455
Fax: (605) 773-5320
Email: maryt@sdbor.edu or info@sdbor.edu
Website: http://www.sdbor.edu/

Tennessee
Tennessee Higher Education Commission
Parkway Towers
Suite 1900
404 James Robertson Parkway
Nashville, TN 37243-0830
Phone: (615) 741-3605
Fax: (615) 741-6230
Email: lovella.carter@tn.gov
Website: http://www.state.tn.us/thec/

Texas
Texas Higher Education Coordinating Board
P.O. Box 12788
Austin, TX 78711-2788
Phone: (512) 427-6101
Toll-Free: (800) 242-3062
Toll-Free Restrictions: Outside Austin Metro Area
Fax: (512) 427-6127
Email: grantinfo@thecb.state.tx.us
Website: http://www.thecb.state.tx.us/

Utah
Utah System of Higher Education
State Board of Regents
60 South 400 West
Salt Lake City, UT 84101-1284
Phone: (801) 321-7103
Fax: (801) 321-7156
Email: jcottrell@utahsbr.edu
Website: http://www.utahsbr.edu/

Vermont
Vermont Student Assistance Corporation
10 East Allen Street
P.O. Box 2000
Winooski, VT 05404-2601
Phone: (802) 655-9602
Toll-Free: (800) 642-3177
Fax: (802) 654-3765
TTY: (800) 281-3341
Email: info@vsac.org
Website: http://www.vsac.org/

Virginia
State Council of Higher Education for Virginia
James Monroe Building
Ninth Floor
101 North 14th Street
Richmond, VA 23219
Phone: (804) 225-2600
Fax: (804) 225-2604
Email: KirstenNelson@schev.edu or todmassa@schev.edu
Website: http://www.schev.edu/

Washington
Washington State Higher Education Coordinating Board
P.O. Box 43430
917 Lakeridge Way
Olympia, WA 98504-3430
Phone: (360) 753-7800
Fax: (360) 753-7808
Email: info@hecb.wa.gov or belmav@hecb.wa.gov
Website: http://www.hecb.wa.gov/

West Virginia
West Virginia Higher Education Policy Commission
1018 Kanawha Boulevard East
Suite 700
Charleston, WV 25301
Phone: (304) 558-0699
Fax: (304) 558-1011
Email: schumaker@hepc.wvnet.edu or noland@hepc.wvnet.edu
Website: http://www.hepc.wvnet.edu

Wisconsin
Wisconsin Higher Educational Aids Board
Suite 902
131 West Wilson Street
Madison, WI 53703
Phone: (608) 267-2206
Fax: (608) 267-2808
Email: cassie.weisensel@wisconsin.gov or heabmail@wisconsin.gov
Website: http://www.heab.state.wi.us/

Wyoming
Wyoming Community College Commission
Eighth Floor
2020 Carey Avenue
Cheyenne, WY 82002
Phone: (307) 777-7763
Fax: (307) 777-6567
Email: jrose@commission.wcc.edu
Website: http://www.commission.wcc.edu/

Territories

American Samoa
Board of Higher Education (American Samoa)
American Samoa Community College
P.O. Box 2609
Pago Pago, AS 96799
Phone: (684) 699-9155
Fax: (684) 699-6259
Email: staufua@hotmail.com or info@amsamoa.edu
Website: http://www.amsamoa.edu/

Commonwealth of the Northern Mariana Islands
Northern Marianas Department of Education
CNMI Public School System
Saipan, MP 96950-1250
Phone: (670) 234-5498 x1000
Fax: (670) 234-1270
Email: beckys@nmcnet.edu or nmc@nmcnet.edu
Website: http://www.nmcnet.edu/

Federated States of Micronesia
No records found.

Guam
No records found.

Puerto Rico
Council on Higher Education (Puerto Rico)
P.O. Box 19900
San Juan, PR 00910-1900
Phone: (787) 641-7100
Fax: (787) 641-2573
Email: mi_wiscovich@ces.gobierno.pr or vi_abreu@ces.gobierno.pr
Website: http://www.ces.gobierno.pr/

Republic of Palau
No records found.

Republic of the Marshall Islands
Scholarship Grant and Loan Board (Republic of the Marshall Islands)
P.O. Box 1436
Majuro, MH 96960
Phone: (692) 625-5770
Fax: (692) 625-7325
Email: misglb@ntamar.net
Website: http://www.rmischolarship.net/

Virgin Islands
Virgin Islands Department of Education
Charlotte Amalie
1834 Kongens Gade
St. Thomas, VI 00801
Phone: (340) 774-0100
Fax: (340) 779-7153
Email: wwbenjamin@doe.vi or lterry@doe.vi
Website: http://www.doe.vi/