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Financial Aid Student Loans

Campus Financial Aid Offices

About Student Loans

All about loans:
Financial Aid TV

  • Student loans are low interest loans that students may borrow to help them meet their educational expenses. 
  • Unlike grants or scholarships, student loans must be repaid
  • Students begin making payments on student loans six months after graduating, stopping attendance, or beginning to attend less than half-time (less than six credit hours). 
  • Students are encouraged to borrow only what they need to meet their educational expenses.
  • Students must enroll at least half-time (six or more credit hours) to be eligible for student loans.


Link to Financial Aid TV
Direct Loans from the U.S. Department of Education

Student loans are Federal loans made to students by the U.S. Department of Education through the William D. Ford Federal Direct Loan Program (Direct Loans).  Eligibility for Direct Loans is determined by the college and the U.S. Department of Education from the results of the Free Application for Federal Student Aid (FAFSA).


Campus Financial Aid Offices Contacts
Direct Loan Offer from TCC to Students

Tidewater Community College includes Direct Loan Offers as part of its financial aid package if a student's cost of attendance demonstrates a possible need.  These are offers only and students are not required to take the loan.  Students who DO need the Direct Loan MUST complete the application process outlined below, otherwise there will be no Direct Loan funds for the student.

Tidewater Community College does not award Direct Loans for students until the student makes a formal request by completing the application process. Students should complete the application process as soon as possible so that Direct Loan funds can be posted by the tuition deadline to avoid students paying personally.

Campus Financial Aid Offices Contacts
Direct Loan Request - 3 Required Steps

Step One:: 
Students must complete the Free Application for Federal Student Aid (FAFSA) for the 2015-16 academic year and receive their results from the U.S. Department of Education.

Step Two: 
Students must receive their official Financial Aid Award Notice from TCC and view their awards in the student information system (SIS) to verify that the awarding process is complete.  Students who submit a Direct Loan Request before receiving their official Financial Aid Award Notice may be denied.

Step Three: 
Submit a Student Direct Loan Request per the instructions on the web site linked below:

GO TO> Student Direct Loan Instructions and Online Request


Students should not submit more than one Direct Loan Request if they do not see their Direct Loan Award posted in SIS.  Students should only submit a second (or more) request if they feel that they need to borrow additional funds after submitting their initial request.

Students will be notified if their Direct Loan Requests are denied.  Also, during peak processing, students should anticipate a reasonable processing time and not submit a second request but rather contact their campus financial aid office if they are concerned.

Campus Financial Aid Offices Contacts
Direct PLUS Loan for Parents of Students

Parents who need to borrow a Direct PLUS Loan to help pay for their child's educational expenses may begin the process by going to the Parents Direct PLUS Loan Application Process link below. 

Step One:
Parents must log into the Direct Loan web site using their Department of Education assigned PIN and complete the Direct PLUS request (pre-approval) process.  PLUS loan eligibility is subject to credit worthiness.

Step Two:
Parents must then return to the Direct PLUS Loan Application Instructions link below to complete the TCC Parent Direct Loan Request. 

If any one step (Direct PLUS Pre-Approval Request and TCC Parent Direct Loan Request) has not been completed, the PLUS Loan cannot be processed.

Go to > Parents Direct PLUS Loan Application Process



Campus Financial Aid Offices Contacts
Direct Loan Off-site Web Resources
Campus Financial Aid Offices Contacts

Financial assistance is provided for all qualified students through a variety of sources including grants, scholarships, student loans, and the work study program. Tidewater Community College does not discriminate on the basis of race, color, religion, national origin, political affiliation, veteran status, gender, age, sexual orientation, or disability in its programs or activities