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Direct Loans

William D. Ford Federal Direct Loan Program

Grossmont College participates in the Federal Direct Loan Program by offering subsidized and unsubsidized Direct Loans.

Direct Loan Resources

Federal Direct Loans (subsidized or unsubsidized) are low-interest rate loans made to students, enrolled in six (6) or more units, by the federal government.

Direct Subsidized Loan: These loans are available to students who demonstrate financial need. The federal government pays the interest on this loan while you are in college and during deferment periods.

Direct Unsubsidized Loan: These loans are available to all eligible students and are not based on financial need. You, the borrower, are responsible for all interest payments (or capitalization of interest) from the date the loan is disbursed.

The deadline to submit a Federal Direct Student Loan application is December 13, 2019 for the Fall 2019 semester (Fall only students), and May 29, 2020 for the Spring 2020 semester. Tuition payments will not be deferred for Federal Direct Student Loans. Loan funds will not be disbursed during the first 30 days of each semester.

For more information please click here


Step 1: Complete the Free Application for Federal Student Aid (FAFSA)

Step 2: Complete all the required paperwork and submit to the Financial Aid Office.

Step 3: Download and print the Grossmont College Direct Loan Request Packet and make sure you familiarize yourself with all the information included. Then, submit the Direct Loan Request Form to the Grossmont College Financial Aid Office in Room 10-109. Additional steps and requirements may be necessary and details are included in the packet.

Step 4: Complete an on-line Entrance Counseling Exam. After going to the federal Direct Loan website, you must sign-in by clicking the "Sign In" link in the upper left corner of the webpage. Then you can begin your Entrance Exam.

Step 5: Complete an on-line Exit Counseling Exam. This MUST be done before your final disbursement for the year. After going to the federal Direct Loan website, select "Exit Counseling" under Tools and Resources in the bottom center of the webpage.

Last Updated: 07/30/2019

Direct Loan Resources

ATTENTION: If you are no longer enrolled and received a Direct Loan, you are required to complete the Exit Counseling Exam. Please click here for more information.

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A Member of the Grossmont-Cuyamaca Community College District