Applying for a Student Loan
If you have chosen to apply for a student loan, you are in one of two categories:
- You have never borrowed
- You are a previous borrower and wish to continue borrowing
I've Never Borrowed Before
You need to complete an online application from the Missouri Higher Education Loan Authority. Simply click on the link below then click on the type of loan you are applying for. The site will guide you through the application process.
Completed Loan Applications
Once the loan application has been completed and the VFAO has reviewed your financial aid interview forms, your loan will be certified by the VFAO representative, provided all federal criteria have been met.
All loan payments will be sent to Calvary by electronic transfer, and you will be notified.
I've Borrowed Before
If you've received loans previously for education and wish to continue borrowing you will do so from the same lender. You only need to complete a Master Promissory Note one time while you are at the same institution. You do not need to complete another Master Promissory Note if you have applied for a loan at Calvary before.

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