Apply for a Federal Direct Loan

Note: Completing Entrance Counseling and the Direct Loan Master Promissory Note is not a commitment to borrow funds for your education. If, after attending loan counseling, you determine a federal student loan is not a good option for you, you may choose not to pursue federal loan funds.

• First-Time Direct Loan Borrowers

  You must complete these steps if you are a first-time Federal Direct Loan Borrower.

  1. Complete and submit the Free Application for Federal Student Aid (FAFSA)
  2. Complete the verification process if required by the Department of Education
  3. Submit the New Borrower Loan Request Worksheet and attach a copy of your driver’s license or state ID
  4. Complete Online Entrance Counseling
  5. Complete the Direct Loan Master Promissory Note (MPN)
  6. Be enrolled in a financial aid-eligible academic program. Eligible programs consist of a degree or certificate of 16 credit hours or more.
  7. Be enrolled in at least six credit hours that are required for the degree program

  MCC offers optional new borrower student loan workshops via Zoom that guide potential borrowers through the importance of understanding Direct Loans, repayment options, and the consequences of failing to meet their loan obligations. Register for an optional New Borrower Student Loan Workshop »

• Repeat Direct Loan Borrower at MCC

  You must complete these steps if you are a repeat Federal Direct Loan Borrower at MCC.

  1. Complete the Free Application for Federal Student Aid (FAFSA)
  2. Complete the Verification process if required by the Department of Education
  3. Complete the Repeat Borrower Loan Request Worksheet and attach a copy of your driver’s license or state ID
  4. Be enrolled in a Financial Aid-eligible academic program. Eligible programs consist of a degree or certificate of 16 credit hours or more.
  5. Be enrolled in at least six credit hours that are required for the degree program
• Transfer Student with prior Direct Loans

  You must complete these steps if you are a transfer student with prior Direct Loans.

  1. Complete and submit the Free Application for Federal Student Aid (FAFSA)
  2. Complete the Verification process if required by the Department of Education
  3. Submit the Repeat Borrower Loan Request Worksheet and attach a copy of your driver’s license or state ID
  4. Complete the Online Entrance Counseling
  5. Complete the Direct Loan Master Promissory Note (MPN)
  6. Be enrolled in a Financial Aid-eligible academic program. Eligible programs consist of a degree or certificate of 16 credit hours or more.
  7. Be enrolled in at least six credit hours that are required for the degree program