Types of Aid – Loans

Currently, the Federal Direct Stafford loan is the only type of federal or institutional loan available for students attending Columbia State.


Federal Direct Stafford loans
  • You must complete a FAFSA each year to receive Direct Stafford Loans.
  • You do not have to pass a credit check to receive Direct Stafford Loans.
  • You are not required to pay anything on your loans while you are enrolled and attending at least 6 credit hours a semester.
  • You are not required to begin paying on your Federal Direct Loans until 6 months after you leave school by graduation, total withdrawal or dropping below at least 6 credit hours attendance in a semester.
  • This 6-month period after you leave school is called your “grace” period.
  • The U.S. Department of Education limits the amount that you may borrow each year based on your dependency status (dependent or independent) as determined by the FAFSA and your current grade level (freshman, sophomore, etc.). This is called your “annual” borrowing limit.
  • Your grade level will never be higher than sophomore at Columbia State Community College.
  • The U.S. Department of Education also limits the amount that you may borrow while going to college. This is called your “aggregate” borrowing limit.
For more information on the Federal Direct Stafford Loan program, please CLICK HERE..

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