This brochure contains information about student loans for college applicants and students in Missouri. It is a resource to assist borrowers in making smart repayment decisions and in understanding the options to avoid delinquency and default. Things to consider before one borrows, how to increase one's resources, and how to decrease one's expenses are outlined. Various types of loans, federal and state, are described, with information on loan limits and repayment requirements. Information is provided on the Missouri Student Loan Program, and the Federal Family Education Loan Program and its options. Prepayment options and what to do if one is having trouble repaying the loan are also outlined. A student loan repayment chart is included. (SLD)