Direct Loans

William D. Ford Federal Direct Loan Program

(Cerritos College does not participate in Direct PLUS Loans or Alternative/Private Loans)

Cerritos College offers Direct Subsidized and Unsubsidized Loans through the William D. Ford Federal Direct Loan Program. Students applying for a loan no longer need to select a lender. The U.S. Department of Education will be the lender.

Application will be reviewed and processed within 30 days. If your loan is denied you will receive a letter from the Financial Aid Office explaining the reason(s) for loan denial.

Students need to be actively enrolled in at least 6 units (half time) and meet all eligibility requirements to be considered for a loan(s).

Terms Last Day to submit MPN/LEC* Last day to accept/decline loans
Fall Only November 09, 2017 November 16, 2017
Fall/Spring April 26, 2018 May 03, 2018
Spring Only April 26, 2018 May 03, 2018
Summer Only June 07, 2018 June 14, 2018 

If you are interested in applying for a Direct Loan, please read and carefully follow the steps below:

Receive a financial aid award notification

Complete a Direct Loan Entrance Counseling (new borrowers only)


Complete Direct Loan Master Promissory Note (MPN)

- The Master Promissory Note is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the U.S. Department of Education. It also explains the terms and conditions of your student loan(s).

Log into MyCerritos to accept/decline or reduce offered Subsidized and/or Unsubsidized loan(s) see above deadlines. - Steps to Accept/Decline/Reduce Offered Loan Amounts

Complete a Direct Loan Exit Counseling

- All students expecting to graduate or enroll in less than half-time (6 units) are required to complete an Exit Counseling

Manage Your Loan

Know What You Owe: The National Student Loan Data System has information about your federal student loans.

Manage Your Direct Loans: Make online payments, view your account balances and payment history, change your billing options, enroll in electronic services and much more.

Repayment Calculator: When it comes time to start repaying your student loan(s), you can select a repayment plan that’s right for your financial situation.

We’ve teamed up with Solutions at ECMC to answer all of your student loan repayment questions. Solutions is a service of the non-profit organization ECMC and is dedicated to helping students manage educational loans. Their resources are available to you free of charge.  Contact Solutions at ECMC by phone at 1-877-331-3262 or visit their website at to connect through email or web chat with one of their counselors.

ECMC Solutions Student load repayment and financial literacy services

Grants and Scholarships

Before applying for a student loan consider grants and scholarships. All loans have to be paid back.

The following links can help you search for grants and scholarships:

Fast Web Free Scholarship search:

Cerritos College Scholarships:

Cerritos College Foundation Scholarships:

I Can Afford I'm going

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