to access need-based federal aid, including federal loans you will need to submit _____.

To access need-based federal aid, including federal loans, you will need to submit the Free Application for Federal Student Aid (FAFSA). The FAFSA is the primary form required to apply for federal financial aid, and its results determine eligibility for need-based grants, loans, and work-study programs. Submitting the FAFSA also assists states and colleges in awarding their own financial aid packages. Additionally, you will need to create a StudentAid.gov account (FSA ID) to sign and submit the FAFSA form securely online.