Types of Financial Aid > Direct Loans > Federal Direct Loans — Learn About the New Loans Process

Federal Direct Loans — Learn About the New Loans Process

​Welcome to the new, two-step DCCCD loans process. The way Federal Direct Loans are awarded — and the steps you’ll need to take as a financial aid applicant, whether you want a loan or not — have changed.

The new process ultimately puts more information and control in your hands, but it does involve some new steps you need to learn about. Here are an overview and some questions and answers to help you.

If you have more questions, you can always call the Financial Aid Call Center or visit your Financial Aid Office for assistance.

How the New Two-Step Loans Process Works


Step 1: Beginning with Fall 2016, all eligible students will be offered a Federal Direct Loan (FDL) award. You can choose to accept, decline or adjust this offered loan.

In order for us to process your Spring loan before the close of the semester on May 11, all steps for obtaining a Spring loan must be completed on or before May 4.

Step 2: You must accept the terms and conditions of your FA Award Letter on eConnect if you wish to receive other funding — like a Pell Grant — whether you decide to accept, decline or adjust this offered loan.

The New Direct Loans Process — Questions and Answers


1. Do I have to accept the offered loan?

  • No, you do not have to accept the loan. You can choose to decline or adjust the offered loan amount.
  • If you want to accept the offered loan, go to eConnect and under the Financial Aid section, click the Financial Aid Checklist. Click myAwards and choose the accept option.

2. If I don’t accept the loan, what happens?

  • We will not process the offered loan, and you will not have to repay the loan.

3. I didn’t want a loan. Why do I have to review loan information?

  • All awards, including the offered loan, are provided to assist you financially. If you don’t review the loan and decline it or request a lower amount, these dollars are fixed in your educational budget for financial aid. That means other funding (like state grants or Federal Work Study) may not be available to you. Visit your Financial Aid Office for more information.

4. If I don’t want the loan, what do I do?

  • Go to eConnect.
  • Under the Financial Aid section, click the Financial Aid Checklist.
  • Click myAwards and choose the decline option.

5. If I don’t want the offered loan amount shown, how do I adjust that amount?

  • Go to eConnect.
  • Under the Financial Aid section, click the Financial Aid Checklist.
  • Click myAwards and input the desired dollar amount. You cannot input a dollar amount that will exceed your maximum eligibility. Your request will be reviewed within three business days (72 hours).

6. I wasn’t awarded a loan, but I want one. What do I do?

  • Go to eConnect and under the Financial Aid section, click the Financial Aid Checklist and then click the Request a New Loan link. Input the desired dollar amount. You cannot input a dollar amount that will exceed your maximum eligibility. Your request will be reviewed within three business days (72 hours). We will notify you if your request was approved or rejected.
  • If approved, go to eConnect and under the Financial Aid section, click the Financial Aid Checklist. Click myAwards, then review to accept, decline or adjust the approved dollar amount.
  • If rejected, you may visit your Financial Aid Office for more information.

7. I didn’t get my loan after I accepted it. What happened?

8. I have already accepted the terms and conditions of my award package. Why do I have to take this extra step?

  • Because of new federal regulations, active confirmation is now required to receive a Federal Direct Loan. By performing this step, you are actively validating your desire to accept, decline or adjust the offered loan amount.

9. I declined my loan, but now I want one. What do I do?

  • Go to eConnect and under the Financial Aid section, click the Financial Aid Checklist and then click the Request a New Loan link. Input the desired dollar amount. You cannot input a dollar amount that will exceed your maximum eligibility. Your request will be reviewed within three business days (72 hours).
  • If approved, go to eConnect and under the Financial Aid section, click the Financial Aid Checklist. Click myAwards, then review to accept, decline or adjust the approved dollar amount.
  • If rejected, you may visit your Financial Aid Office for more information.

10. I declined the terms and conditions of my award package on eConnect. What do I do?

11. Why is my loan adjustment or new loan amount request not allowed?

  • The minimum dollar amount for a loan is $200.
  • Loan limits for the award year and those borrowed in total over the student’s educational career cannot be exceeded.
  • Every student has an educational budget for financial aid. According to Department of Education guidelines, a student cannot be given a loan amount over that educational budget.

12. Why was I awarded less than the Annual Loan amount?

  • The maximum dollar amount awarded for a loan is dependent upon a student’s eligibility and educational budget or Cost of Attendance (COA) as well as the total loans borrowed during the student’s educational career.
  • COA is adjusted for each student at the academic certification/lock date based on the student’s enrollment level on that date.  Before that date, loans are awarded based on half-time enrollment (even if you register for a full load of classes). See the Direct Loans home page at dcccd.edu/Loans to learn more about why Direct Loans are based on half-time enrollment.