ARKANSAS RURAL ENDOWMENT FUND, INC.

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

(501-375-2358) Lender #800246  www.aref.org

Applying for an AREF student loan requires careful attention to detail to ensure your application is processed without unnecessary delays. When completing the application, make sure to e-sign all required documents and fill in every field completely, as missing information can significantly slow down approval times. You’ll need to submit clear copies of both your current state-issued ID and Social Security card, as these documents are essential for identity verification and loan processing.