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 Counselingnew window(new borrowers only)


Complete Direct Loan Master Promissory Note (MPN)new window

- 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 AmountsPDF document

Complete a Direct Loan Exit Counselingnew window

- 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. www.nslds.ed.govnew window

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. window

Calculatornew windowRepayment Calculatornew window - 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 www.ecmcsolutions.orgnew window 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 considergrantsand scholarships. All loans have to be paid back. 

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

Fast Webnew windowFree Scholarship search. www.fastweb.comnew window

Cerritos College Scholarships -

Cerritos College Foundation

I Can Afford College.comnew window I'm goingnew window