Financial Aid
Solano Community College

SCC Home » Student Services » Financial Aid » Direct Loans

Direct Loans

Federal Direct Loan Program

Solano Community College participates in the U.S. Department of Education Federal Direct Loan Program:

  • Direct Subsidized Loans - are need-based loans for students, as determined by federal regulations. Direct Subsidized Loans are available to undergraduate students with financial need. Your school determines the amount you can borrow, and the amount may not exceed your financial need.
    The U.S. Department of Education pays the interest on a Direct Subsidized Loan
    • while you’re in school at least half-time,
    • for the first six months after you leave school (referred to as a grace period*), and
    • during a period of deferment (a postponement of loan payments).
    *Note: If you received a Direct Subsidized Loan that was first disbursed between July 1, 2012, and July 1, 2014, you will be responsible for paying any interest that accrues during your grace period. If you choose not to pay the interest that accrues during your grace period, the interest will be added to your principal balance.
  • Effective July 1, 2013, Public Law 112-141 added a new provision to the Direct Loan statutory requirements that limits a first –time borrower’s eligibility for Direct Subsidized Loans to a period not to exceed 150 percent of the length of the borrower’s educational program ("the 150% limit"). Under certain conditions, the provision also causes first-time borrowers who have exceeded the 150 percent limit to lose the interest subsidy on their Direct Subsidized Loans.
  • Direct Unsubsidized Loans - are non-need based loans for students as determined by federal regulations, and there is no requirement to demonstrate financial need. Your school determines the amount you can borrow based on your cost of attendance and other financial aid you receive. You are responsible for paying interest on a Direct Unsubsidized Loan during all periods. If you choose not to pay the interest while you are in school and during grace periods and deferment or forbearance periods, your interest will accrue (accumulate) and be capitalized (that is, your interest will be added to the principal amount of your loan).
  • Direct Loan Request Deadlines:

2021-2022 Loan Denial Appeal
Direct Loan FAQ

For an overview of types of Financial Aid, Loan Repayment, Consolidation, Deferment, Forbearance, Forgiveness, Cancellation, Discharge, Default, Resolving disputes and Repayment Estimator please click on the link

Log in to NSLDS with your FSA ID User Name and Password. (National Student Loan Data System):

To sign a Promissory Note:

To complete Loan Entrance Counseling:

To complete Loan Exit Counseling:

150% Subsidized Loan Limitation Information: