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.

2020-21 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 2020-21 FAFSA
  2. Complete an Online Loan Repayment Module
  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 emailed the Direct Loan Request Form
  5. Complete an online Loan Entrance Counseling and a Master Promissory Note (MPN) for Undergraduate Students
  6. Submit a Direct Loan Request Form with the following documentation attached:
    • Current Driver’s License or State ID (unexpired)
    • Conformation page of Loan Entrance Counseling completion 
    • Conformation of Master Promissory Note (MPN) completion

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

2020-21 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 2020-21 FAFSA
  2. Complete an Online Loan Repayment Module
  3. Upon completion of the Online Loan Repayment Module, contact the financial aid office for the Direct Loan Request Form
  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)
    • Conformation page of Loan Entrance Counseling completion 
    • Conformation of Master Promissory Note (MPN) completion
    • Copy of your past loan activity from the National Student Loan Data System (NSLDS)