Federal Direct Loans (FDL) are federal funds that a student borrows from the Department of Education and must be repaid. The FAFSA determines a student’s financial need, and therefore, what type of loan(s) a student is eligible for.

A student must meet the following criteria to be eligible for Federal Direct Loans:

  • Complete a FAFSA
  • Be enrolled in a minimum of 6 units per semester in a program leading to a degree, certificate, and/or transfer
  • Maintain Satisfactory Academic Progress (SAP)
  • Not be delinquent or in default on any previously borrowed Federal Student Loans
  • Not be in overpayment on any previously received Pell Grant
  • Not exceeding annual or aggregate loan limits from prior loan usage

Please Note: Students that have more than 120 attempted units are not eligible for Title IV aid, including Federal Direct Loans.

Depending on your financial need as determined by the FAFSA, there are two types of Federal Direct Loans you are eligible for:

  • Subsidized Loan: A need-based loan program in which the loan interest is subsidized (paid) by the Department of Education while a student is in school at least half-time or during periods of deferment 
  • Unsubsidized Loan: A non-need-based loan program in which the loan interest accrues (is charged) upon disbursement of the loan

A student may be eligible for both loan types or only the Unsubsidized Loan based on financial need. 

New Borrowers are students who have never previously received a Federal Direct Loan either at CCSF or at any other institution.

2021-22 Direct Loan Requests are now available. When moving forward with submitting a Direct Loan Request, take the time to carefully review all steps in order to avoid delays. Additionally, when submitting a Direct Loan Request, evaluate your needs to borrow only what is essential as loans are borrowed funds you must pay back with interest!

Once a Direct Loan Request and all requested loan documents are received, the processing time is approximately 4-6 weeks. Furthermore, after CCSF releases your loan funds, you have 30 days to a request a cancellation of your loan.

To apply for a Federal Direct Loan as a New Borrower, you must complete the following eligibility requirements to qualify:

  1. Complete and submit the 2021-22 FAFSA
  2. Complete the Repaying Student Loan Module on WhichWay. If you are a new user to WhichWay, click Register Now and sign up using your CCSF Gmail or access code 1581.
  3. View the Workshops & Events Calendar to sign up for and attend a CCSF First Time Loan Borrower Workshop
  4. After attending the CCSF First Time Loan Borrower Workshop, attendees will be able to access the Direct Loan Request form link through their myRAM under Financial Aid Requirements.
  5. Complete an online Loan Entrance Counseling and a Master Promissory Note (MPN) for Undergraduate Students
  6. Submit the Direct Loan Request Form with the following documentation attached:
    • Current Driver’s License or State ID (unexpired)
    • Confirmation page of Loan Entrance Counseling completion 
    • Confirmation of Master Promissory Note (MPN) completion

Continuing borrowers are students who have borrowed Federal Direct Loans from CCSF or any other institution.

2021-22 Direct Loan Requests are now available. When moving forward with submitting a Direct Loan Request, take the time to carefully review all steps in order to avoid delays. Additionally, when submitting a Direct Loan Request, evaluate your needs to borrow only what is essential as loans are borrowed funds you must pay back with interest!

Once a Direct Loan Request and all requested loan documents are received, the processing time is approximately 4-6 weeks. Furthermore, after CCSF releases your loan funds, you have 30 days to a request a cancellation of your loan.

To apply for a Federal Direct Loan as a Continuing Borrower, you must complete the following eligibility requirements to qualify:

  1. Complete and submit the 2021-22 FAFSA
  2. Complete the Repaying Student Loan Module on WhichWay. If you are a new user to WhichWay, click Register Now and sign up using your CCSF Gmail or access code 1581.
  3. Upon completion of the Repaying Student Loan Module, email the financial aid office at finaid@ccsf.edu to have the Direct Loan Request form link added to the Financial Aid Requirements section of your myRAM.
  4. Complete an online Loan Entrance Counseling and a Master Promissory Note (MPN) for Undergraduate Students
  5. Submit a Direct Loan Request Form with the following documentation attached:
    • Current Driver’s License or State ID (unexpired)
    • Confirmation page of Loan Entrance Counseling completion 
    • Confirmation of Master Promissory Note (MPN) completion
    • Copy of your past loan activity from the National Student Loan Data System (NSLDS)

The Subsidized Usage Limit Applies (SULA) repeal is effective for all Direct Loans first disbursed on or after July 1, 2021. SULA still applies to Direct Subsidized Loans first disbursed before July 1, 2021, but the U.S. Department of Education (ED) will retroactively restore the subsidy and remove accrued interest on the older loans, even if those borrowers don't borrow again.

Student Connections

Need help with your federal student loans?

Student Connections can help you stay on top of your student loans by helping you: 

HERE TO HELP. Questions about how COVID-19 & CARES Act impacts your student loans? Visit repaymyloans.org or talk to a student success counselor for free at (866) 311-9450. STUDENT CONNECTIONS
  • Understand your loan obligations and responsibilities
  • Establish an achievable and affordable repayment plan
  • Find repayment options during financial hardships
  • Connect with your loan servicer

Through the WhichWay Online Loan Repayment Module and connecting with a Student Connections Borrower Connect InTouch Counselor, you can prevent your loan from going into delinquent status or you can get your loan out of default status.