AREF Rural Loans

AREF Student Loan Application

Submit your application to:

P.O. Box 750

Little Rock, AR 72203 or apply online by filling out the application below

Important Information

When applying for student loans, be sure to e-sign and fill in all fields of the application. We also require a copy of your current State issued ID and SSN card at time of submission. Any missing information will 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 clicking on our “Pay Now” button at the top of this page. 


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