Students must be enrolled in and attending at least 6 credit hours/semester to be eligible for Federal Direct Loans.
Cloud County Community College does not participate in alternative loan programs such as Sallie Mae or personal bank loans. Please visit the Federal Student Aid website for additional loan information.
CCCC requires the student to complete a FAFSA before originating all loans. Entrance Counseling, a signed Loan Agreement (MPN), and the Annual Student Loan Acknowledgement are required under the federal default-reduction regulations before disbursing the loan funds. Exit Counseling is required shortly before the student borrower ceases at least half-time study at CCCC. This includes graduates and transfer students.
Credits Hours Earned | Dependent Student Subsidized + Unsubsidized | Independent Student Subsidized + Unsubsidized | |
First Year (Freshman) | 0-29 | $3,500 + $2,000 = Annual Limit $5,500 | $3,500 + $6,000 = Annual Limit $9,500 |
Second Year (Sophomore) | 30+ | $4,500 + $2,000 = Annual Limit $6,500 | $4,500 + $6,000 = Annual Limit $10,500 |
Aggregate Loan Limits |
| |
Student Type | Total Aggregate Limit | Maximum Subsidized Limit Within the Aggregate |
Dependent Student | $31,000 | $23,000 |
Dependent Student whose parent is ineligible for PLUS | $57,500 | $23,000 |
Independent Undergraduate Student | $57,500 | $23,000 |
These amounts are based on full time enrollment status and all federal aid may not exceed the school’s budget or cost of attendance. The annual maximum loan amount an undergraduate student may receive must be prorated when the borrower is enrolled in a program that is one academic year or more in length, but is in a remaining period of study that is shorter than a full academic year.
Parents of dependent undergraduate students can use funds to help pay for college or career school; financial need is not required; borrower is responsible for all interest. Parent PLUS application is required to be completed.
Preparatory Coursework loans allow a student to attend CCCC and receive a Direct Loan for a maximum of one consecutive 12-month period to take pre-arranged program coursework required to gain admission to another college or university.
ATTENTION CLOUD COUNTY COMMUNITY COLLEGE FEDERAL STUDENT LOAN BORROWERS:
You are not alone when it comes to Student Loans. Cloud County Community College has partnered with Inceptia, a division of National Student Loan Program (NSLP), to provide you with FREE assistance on your Federal student loan obligations to ensure successful, and comfortable, loan repayment. Inceptia's friendly customer representatives may reach out to you during your grace period to answer questions you have about your loan obligation and/or repayment options. They may also contact you if your loan(s) become delinquent.
Inceptia is NOT a collection agency
For additional resources including information on repayment options, please visit Inceptia's Student Loan Knowledge HQ website at HeroKnowl.org.
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2221 Campus Drive
Concordia, KS 66901
631 Caroline Ave.
Junction City, KS 66441
800-729-5101