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Student Loans

Student loans help you pay for college now, with repayment starting later.

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Understand your student loan options

CCBC participates in federal student loan programs to help students cover the cost of their education. Loans must be repaid with interest, usually starting six months after graduation, withdrawal or dropping below half-time enrollment.

You may be eligible for federal student loans—including Direct Loans, Parent PLUS Loans and loan consolidation—as well as private loans. Learn more about each option below.

Subsidized and Unsubsidized Loans

These loans are available to eligible students enrolled at least half time (6 credits or more).

There are two types:

  • Subsidized Loans: The federal government pays the interest while you're in school and during grace or deferment periods.
  • Unsubsidized Loans: Interest starts accruing when the loan is disbursed, even while you're in school.

Direct Subsidized and Direct Unsubsidized Loans

Loans for parents of dependent students

These loans are available to parents of dependent undergraduate students to help cover education costs not met by other aid. Interest begins accruing when the loan is disbursed.

Direct PLUS Loans for Parents

Simplify loan repayment

Consolidating your federal student loans can simplify repayment by combining multiple loans into one. It may also provide access to additional repayment or forgiveness options.

Consolidate your loans

Borrowing private student loans wisely

Private loans are credit-based, non-federal student loans offered by banks or private lenders. These loans can help cover education expenses not met by federal aid.

Students may choose to borrow private loans, and we encourage you to research your options carefully to find a loan that fits your needs and financial situation. You can review private educational loans that CCBC has certified in the past using our ScholarNet database.

When comparing private loan options, consider:

  • Your total loan debt
  • Repayment timeline
  • Available interest rates
  • Your credit score and whether you may need a co-signer

ScholarNet database

Contact us for more information

Financial Aid