Student Loans

Application Process:

1. First complete the FAFSA and include the NWCCD school code: 003930. You must be in an eligible degree or certificate program and enrolled in a minimum of six credits per semester.
2. After NWCCD receives your FAFSA, you will be packaged subsidized and unsubsidized loans according to your Student Aid Index (SAI) and remaining unmet financial need.
3. You will be able to accept your student loan package on your NWCCD Hub student account, on your Financial Aid Self-Service page. Please keep in mind, your loan amounts will be equally packaged to your account for fall, spring and summer semesters.

Additional Notes: If you qualify for subsidized loans, you must accept the maximum amount before accepting any unsubsidized loan amounts.

Federal Direct Loan Requirements:

1. Entrance Counseling: All first time borrowers MUST complete Federal Direct Loan Entrance Counseling online and include NWCCD (003930). This online information session explains the details of the loans as well as loan rights and responsibilities and must be completed before a loan will be disbursed on a student’s account.
2. Click here to complete your Entrance Counseling requirement. If Entrance Counseling has already been completed for another school, the student must log back on and add NWCCD as a school. Once a student completes the requirement, NWCCD will receive an automatic notification within 24 to 48 hours.
3. Master Promissory Note: All first time borrowers MUST complete their Master Promissory Note (MPN) prior to their loan disbursement. The MPN is a legal document which the student is promising to repay the total borrowed loan amounts, including any interest fees. Click here to complete your MPN requirement. Once a student completes the requirement, NWCCD will receive an automatic notification within 24 to 48 hours.
4. Exit Counseling: Exit counseling provides students important information to prepare them to repay their federal student loan(s). If you have received a subsidized and/or unsubsidized loan under the Direct Loan Program, you must complete exit counseling each time you drop below half-time enrollment, graduate or leave school. NWCCD will send out an exit loan counseling packet to the most current address on the student’s record within 30 days of determining the student graduated, dropped below half-time or has left school. It is the student’s responsibility to complete this federal requirement.