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Loans

Loans are considered to be a form of financial aid. It is money you borrow and must pay back with interest.

Harford Community College offers Direct and Parent PLUS loans for students' educational expenses. Students may also seek alternative loans from banks or financial institutions.

Need to know Federal Loans Loan code of Conduct FAFSA
 

Types of College Loans

Direct Loans

Direct Loans are called so because they come directly from the US Department of Education. Students must be enrolled half-time (minimum of 6 credits) to be eligible for Direct Loans.

Loans must be used for educational purposes.

HOW TO APPLY

  • Complete the FAFSA.
  • Download and complete the Loan Request Form.
  • A loan counselor will review your loan request form once it has been submitted to the Harford Community College Financial Aid Office.
  • Borrowers will receive a Disbursement Memo once the request is reviewed.
  • 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.

HOW TO APPLY

  • Complete the FAFSA.
  • Parent and student must complete a Federal Student Aid Parent PLUS loan application.
  • Download and complete the Parent PLUS Loan Request Form.
  • A loan counselor will review your loan request form once it has been submitted to the Harford Community College Financial Aid Office.
  • Borrowers will receive a Disbursement Memo once the request is reviewed.
  • Check your OwlMail regularly for correspondence from the Financial Aid Office.
Alternative/Private Loan

Harford Community College does not have a preferred lender arrangement. If interested in this type of loan, contact the financial institution of your choice more more information.

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.

It is recommended that students complete a FAFSA to see their Federal Direct Loan options before making a decision about additional borrowing.

Private student loans are not part of the federal student loan program and may require a credit check. You may borrow private loans from any lender you choose. Some private loans are open only to students taking credit classes, but others will consider continuing education (noncredit) students as well.

Learn more about the differences between federal and private student loans.  

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.