AREF Rural Loans

AREF Student Loan Application

Submit your application to:

P.O. Box 750

Little Rock, AR 72203

Important Information

When applying for student loans, be sure to e-sign and fill in all fields of the application, as missing information may cause processing delays.

As of January 1, 2019, all student loan applications must be accompanied by a nonrefundable payment of $20 before being processed. A co-maker is required, and they will also be subject to a $20 application fee. These payments can be made by calling our loan office with your credit/debit card or mailing a personal check.


1306 W. Fourth, P.O. Box 750 Little Rock, AR 72203-0750

(501-375-2358) Lender #800246

Application Fee: $20

Co-Maker Application Fee: $20