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Direct Loans

​​​​​​​​​​​​THE WILLIAM D. FORD


​ To see detailed information on interest rates, eligibility and programs available through this federal program, check this link.​        


  1. Student must meet all qualifications for federal student aid. Complete a FAFSA Application online at www.studentaid.​​g​ov​
  2. Review the Direct Loan Information Packet.​
  3. Receive an award offer and accept your subsidized loan on Self Service​. 
  4. Complete the Direct Loan Request.
  5. Submit the completed request to Financial Aid office at SCC prior to the deadline dates noted below.
  6. Meet Satisfactory Academic Progress requirements.
  7. Be actively attending a minimum of 6 eligible units at either SCC or SAC.
  8. New SCC borrowers must complete Online Entranc​e Counseling at this link 
  9. Returning borrowers that have borrowed at another institution must notify SCC of their completed online Entrance Counseling by going to www.stude​n​​
  10. ​Complete the Master Promissory​ Note

    ​​​​Deadlines for Student Loan Requests:

    ​Fall semester: 

    November 28, 2022

    Spring semester: 

    May 29, 2023

    ​​​You must submit your completed loan packet by these dates​​
    1.  It is the policy of SCC to calculate maximum Pell eligibility ​
      to determine loan amounts.


Direct Subsidized: 
The subsidized loan is the best choice for students looking to borrow money for education because the interest is paid by the government while you are enrolled in college at least half-time (6-units at SCC). 

Benefits of a Subsidized Loan:

    • Low fixed interest rate 
    • No payments while enrolled in college at least half-time or in deferment
    • No interest accrued while enrolled in college at least half-time or in deferment

Maximum Annual Loan Limits  Maximum award amounts based o​n budget eligibility:
Grade Level 1 = $3,500 (Freshman: 0-29 units completed)  ($1,750 per semester)
Grade Level 2 = $4,500 (Sophomore: 30-70 units completed) ($2,250 per semester)

Direct Unsubsidized:

Unsubsidized loans are available to those with or without documented financial need.  The interest on an unsubsidized loan begins immediately.  Capitalization adds unpaid interest to the principal amount you borrowed.  Unsubsidized loans are not recommended at SCC, unless the student has exceptional need.

Maximum Annual Loan Limits  Maximum award amounts based on budget eligibility:
Dependent:       $2,000 ($1,000 per semester)
Independent:     $6,000 ($3,000 per semester)

The online Entrance and Exit Counseling including the Master Promissory Note (MPN) is a requirement for all loan borrowers.  These components must be completed online at

  • Entrance Counseling will take approximately 20-30 minutes.
  • Exit Counseling will take approximately 30-40 minutes.
  • Master Promissory Note will take approximately 15-20 minutes.  

Returning students are not required to re-submit the Entrance Counseling unless the student is "New" to SCC and has borrowed at a prior institution.  Returning borrowers must notify SCC electronically of the previous completed Entrance Counseling by logging on to  Instructions are given within the loan packet.             



 On a case-by case basis students may be required to:
  1. Meet with a Financial Aid Analyst for loan counseling.
  2. Have current instructors verify that the student is actively attending the classes the student is enrolled in.
  3. The student’s academic school budget may be reviewed and modified if enrollment has changed per the Department of Education guidelines.
  4. May need to complete a loan appeal if:  (Below are examples, but are not limited to the following examples)
  • Students who have borrowed a private loan at any level.
    • Students who have borrowed at a four year university.
      • Student loan borrowers that have borrowed at least half of the aggregate amount for Subsidized or Unsubsidized loans.
        • Students who have already obtained an AA or BA degree.
          • Students with over 90 units attempted, transferred from another school that are taking additional units at SCC in order to transfer to a four year institution.
            • Students with previous loans that have been rehabilitated previously defaulted and consolidated may be required to submit a loan appeal.

            Students who have to appeal may have a processing delay of future student loan funds.  The approval or denial will apply for the entire academic year.

            On a case by case basis we will not certify or process loans for students who have no clear objective to obtain a degree/certificate from RSCCD and/or is not considered a regular student based on federal regulations.

            As a Default Prevention Initiative:
            On a case-by case basis the Financial Aid Office reserves the right to delay or deny any Student Loans Disbursement(s) for students.  The following are examples but not limited to the following:

            • Students with previous Return to Title IV history, in simple terms, if a student completely withdrew after receiving a loan during any previous term at RSCCD.  The disbursement(s) will be delayed until it is determined by the Financial Aid Office that the student is participating and making satisfactory academic progress in all classes. In the event that it is determined a student is not making satisfactory academic progress the loan will be cancelled immediately and no disbursements will be made.
            • The Financial Aid Appeals committee reserves the right to decline any student loan request to students not carrying full-time load and have already exceeded over 90 attempted units.
            • Students that have been enrolled less than full-time (less than 12 units) for more than one year continuously may not be allowed to borrow again.
            Default Prevention ECMC Solutuions:
            We've teamed up with Solutions at ECMC to answer all of your student loan repayment questions. Solutions is a service of the non-profit organization ECMC and is dedicated to helping students manage educational loans. Their resources are available to you free of charge. To contact a Solutions Student Loan Repayment Advisor, email or web chat​, or call them at 1-877-331-3263. 

            DIRECT PLUS LOAN - For Parents of Dependent Students:
            Eligibility Requirements:

             The dependent student must be enrolled in a minimum of 6 eligible/active units.
            • The student must meet Satisfactory Academic Progress Policy (SAP) requirements.
            • You must be the biological, adoptive or step-parent of the dependent student for whom you are borrowing.
            • A U.S. citizen or an eligible non-citizen (parent and student).
            • Credit check is performed by the Department of Education.  Loans are available to parents with no adverse credit history.
            • A dependent student may apply for an Independent student Direct Unsubsidized Loan if the parents request for a loan is denied.  

            Maximum Annual Loan Amounts:
            Parents may borrow up to the cost of attendance minus all educational resources.

              Application Process:   
            • Complete the Free Application for Federal Student Aid (FAFSA) on-line at
            • Complete the Direct PLUS Loan application and Master Promissory Note (MPN) online at for each of your dependent borrowers for whom you are requesting a loan; even if your dependents are at the same school; a separate loan request must be filed for each school year.
            • A Santiago Canyon College PLUS Loan Request form must be completed and turned into the SCC Financial Aid Office, E104 by the parent borrower and the dependent student. Direct Loans will be disbursed two times a semester.  Typically, loans are disbursed half in the fall and half in the spring.  First disbursements for new borrowers cannot be authorized until 30 days into the se​mester.  Students must be actively attending a minimum of 6 eligible units at RSCCD to receive a Direct Loan.

            DEFERMENT AND FORBEARANCE:   See more information here.


            For information regarding loan cancellation, please contact your loan servicer or visit Under the Student Debt Relief Plan, loan cancellation will only apply to eligible loans disbursed prior to June 30, 2022. Loans disbursed on or after July 1, 2022 are not subject to the Student Debt Relief Plan.​​