Loans

Direct Loan Application Process

• Complete the FAFSA (Free Application for Federal Student Aid)
• Download and complete a Loan Request Form 
• A Loan Counselor will review your loan request form once it has been submitted to the HCC Financial Aid Office. Loan processing times can take 2-4 weeks from when loan request is submitted.
• First Time Borrowers must complete Entrance Loan Counseling and a Master Promissory Note 
• NEW for 2021-2022 aid year! All loan borrowers must complete the Annual Student Loan Acknowledgment 
• Loan borrowers will receive an Award Letter and Disbursement Schedule once the request is processed.
• After you graduate or fall below 6 credits, you must complete Exit Loan Counseling 
• Please check your OwlMail regularly for correspondence from the Financial Aid Office.

Parent PLUS Loan

The Parent PLUS Loan is a non- need based educational loan for parents of undergraduate dependent students.  Parents may borrow up to the student's yearly cost of attendance minus all other aid the student has received.

Alternative/Private Loan

Harford Community College does not have a preferred lender arrangement.  Please contact the financial institution of your choice to obtain an alternative/private education loan. Note: The total requested amount of the loan may not exceed your total cost of attendance minus any other aid awarded.  Students are strongly encouraged to apply for all Federal Aid including Direct Loans before applying for Alternative loans.