Low income? You can still borrow for college. Here’s where to start

A low income doesn't have to put college out of reach. In addition to financial aid, students have access to federal programs, grants and student loans to help bridge the gap between what college costs and what their families can afford. First things first: Before taking on debt, complete the Free Application for Federal Student Aid (FAFSA) to see what free aid you qualify for. For additional funding, federal student loans generally offer the safest borrowing option, especially for those with low income, and private loans are best reserved for filling any remaining gaps. Here's how to navigate the process as a low-income borrower. What's considered low income? A commonly used federal poverty guideline defines low income in 2026 as an annual income of $15,960 for a single person and $33,000 for a family of four. No matter your income level, your first step in affording college is to apply for the FAFSA. There is no minimum income requirement (nor is there an income limit) to apply, and eligibility is based on several factors, including family size, household income and overall financial circumstances. The FAFSA demonstrates your financial need and can help you access grants, work-study programs, scholarships, merit aid and subsidized or unsubsidized federal student loans . …