Student Loans

How to apply for Federal Direct Student Loans

  1. Complete the Free Application for Federal Student Aid (FAFSA)  
  2. Submit all required documents including a  Loan Request Form  to Financial Aid
    • Once received, CCC submits your loan application to the Common Origination and Disbursement (COD) and National Student Loan Data System (NSLDS). Your application becomes accessible to guaranty agencies, lenders, and institutions determined to be authorized users of COD and NSLDS.
  3. Once awarded, accept your loans in Self Service by signing into myCCC
  4. Complete your Loan Master Promissory Note (MPN ) 
  5. Complete Loan Entrance Counseling  
  6. Enroll and attend at least 6 credit hours that are required for your degree or certificate program

 

After students drop below half-time (6 credits), withdraw or graduate or end the semester at CCC:

  1. Complete Loan Exit Counseling on the Student Loans website 

 

How to apply for Parent PLUS Loans

Parents interested in applying for a Parent PLUS loan may go to the  Student Loans website  to apply.

  • Click "Sign In"
  • Enter your FSA ID to sign in
  • Request PLUS Loan
  • Select Parent PLUS
  • Follow the instructions on the screen

Please allow 5-7 business days for CCC to get the results of your credit check and award the loan.

How to apply for Private Loans

CCC does not have arrangements with any banks to provide students private loans. If you are interested in a private loan to fund your education, you may try to get one at any bank of your choice. Generally, private loans do not have as favorable of terms as Federal Direct Student Loans. We always recommend that you complete the FAFSA process before going to a bank for a loan.

 

Frequently asked questions about loans:

 

CCC understands that student loans can be intimidating. That’s why we have partnered with Inceptia, a division of the National Student Loan Program, to provide you with free assistance on your student loan obligations to ensure you feel comfortable and can be successful in your loan repayment. Inceptia may be calling to help you with next steps in your repayment journey. Their friendly counselors are there to help you every step of the way. While you are in your grace period (grace information can be found on the Federal Student Aid Website ), they might reach out to you to answer questions you may have on your repayment options. If you become delinquent on your loans (delinquent information can be found on the Federal Student Aid Website ), they may also contact you to help find a solution that works within your means. The Inceptia counselors are there to help you with every step by staying in touch with you via phone calls, letters, and/or emails. They will not be collecting money from you. Inceptia’s nonprofit purpose is to help you find answers to your questions and solutions to your issues. We encourage you to visit Inceptia’s Student Loan Knowledge HQ website .

Incepta Logo

 

Loan Related Links:

  1. Inceptia (1-855-471-1615)
  2. National Student Loan Data System
  3. Direct Loan Services  ( 1-800-848-0979 )
  4. Loan Consolidation  ( 1-800-848-0979 )
  5. Loan Change Request Form
  6. Loan Forgiveness for Public Service Employees
  7. Student Loan Ombudsman
  8. Private Education Loan Applicant Self-Certification form
  9. Enrollment Verification for Loan Deferment (students must login to their MyCCC  > Student > Student Records > Enrollment Verification and Student information)
  10. Direct Loan Exit Counseling
  11. Direct PLUS Loan
  12. Income-Driven Repayment Plan Request
  13. Public Service Loan Forgiveness (PSLF) Help Tool