Ideally you should wait until August to apply for loans. This is because your credit check is only good for 180 days and it's best that period covers all loan disbursement dates for the academic year. Additionally, your cost of attendance may not be correct at this point because housing is yet to be assigned and added to your estimated cost of attendance.

You can review loan options and information here: https://scarlethub.rutgers.edu/financial-service...