Direct Loans are a Title IV financial aid program and federal aid eligibility requirements apply. Loan applicants must be actively enrolled half-time (6 credits or more). They are called "Direct" because the funds come directly from the U.S. Department of Education. Harford Community College offers Direct and Parent PLUS loans for students' educational expenses.

Direct Loan Application Process

  • Complete the FAFSA (Free Application for Federal Student Aid)
  • Download and complete a Loan Request Form 
  • A Loan Counselor will review your loan request form once it has been submitted to the HCC Financial Aid Office. Loan processing times can take 2-4 weeks from when loan request is submitted.
  • First Time Borrowers must complete Entrance Loan Counseling and a Master Promissory Note 
  • NEW for 2021-2022 aid year! All loan borrowers must complete the Annual Student Loan Acknowledgment 
  • Loan borrowers will receive an Award Letter and Disbursement Schedule once the request is processed.
  • After you graduate or fall below 6 credits, you must complete Exit Loan Counseling 
  • Please check your OwlMail regularly for correspondence from the Financial Aid Office.

Parent PLUS Loan

The Parent PLUS Loan is a non- need based educational loan for parents of undergraduate dependent students.  Parents may borrow up to the student's yearly cost of attendance minus all other aid the student has received.

Alternative/Private Loan

Harford Community College does not have a preferred lender arrangement.  Please contact the financial institution of your choice to obtain an alternative/private education loan. Note: The total requested amount of the loan may not exceed your total cost of attendance minus any other aid awarded.  Students are strongly encouraged to apply for all Federal Aid including Direct Loans before applying for Alternative loans.

Loan Deadlines

FALL 2020 

June 15, 2020 -- Priority processing deadline for fall loans.

December 1, 2020 -- FINAL deadline for all fall loans.


November 15, 2020 -- Priority processing deadline for all spring loans.

May 1, 2021 -- FINAL deadline for all spring loans.

SUMMER 2021 

April 15, 2021 -- Priority processing deadline for summer loans.

July 1, 2021 -- FINAL deadline for all summer loans.



Students should check OwlNet regularly for updates. Alternative payment options must be made to keep your classes if you have not met these deadlines.

Disclosure of Funds:  All loans will be submitted to the National Student Loan Data System (NSLDS) and will be accessible by guaranty agencies, lenders and schools determined to be authorized users of the data system.