Due to the recent enactment of a new federal law, the Health Care and Education Reconciliation Act of 2010, all colleges and universities must participate in the William D. Ford Federal Direct Loan Program for new federal student loans.  In this program, students borrow directly from the federal government through Lorain County Community College.  This includes the:

  • Federal Direct Subsidized Loan
  • Federal Direct Unsubsidized Loan
  • Federal Parental Loan to Undergraduate Students (PLUS)

Loans will be awarded based on the student’s maximum eligibility.  If a student would like to borrow less than the maximum amount, please contact the Financial Services Center for adjustments.

Federal Direct Student Loan Application Instructions

  1. Apply for a FASFA (Free Application for Federal Student Aid) FSA ID.
    • Be sure to write down your FSA ID. You will need this number for other steps in this process.
  2. Complete the Free Application for Federal Student Aid (FAFSA).
    • You will be asked to enter your FSA ID.
    • You will be asked to enter LCCC’s Federal School Code: 003068.
  3. Complete the LCCC Online Federal Direct Loan Request form.

Summer 2018, Fall 2018, Spring 2019 Request Form

Summer 2019, Fall 2019, Spring 2020 Request Form

4. Go to StudentLoans.gov
(You will need your FSA ID to access) 

5. New Borrowers:

Complete Entrance Loan Counseling
(This takes approx. 30 minutes to complete)

Complete Master Promissory Note
(Will need driver’s license number and 2 references with complete addresses)    

6. Returning Borrowers:

Complete 2019-2020 Federal Direct Loan Request Form for Summer 2019, Fall 2019, and Spring 2020 Semesters

7. Log into MyCampus

After logging in, click on Student Center.

Click the details of your “To Do List” to look for documents or actions required by you.

8. Confirm Your Financial Aid Award Is Correct

Under Financial Aid, click “View Financial Aid” and then select the award year to review your award summary.

9. Reduce or Decline Your Student Loan

If you want to reduce or decline your student loan, you must notify Financial Services in writing.

Loan Reduction Request Form

10. Replace Your Student Loan with Federal Work Study

You have the option to replace your Student Loan with Federal Work Study (FWS). You must first decline your Student Loan and be enrolled for a minimum of 6 credit hours.  A separate application is required for FWS and is available in the Financial Services Center on the first floor of the Learning Resource Center.

Additional Eligibility Requirements for Federal Direct Student Loan Borrowers

  • Must be enrolled for a minimum of six credit hours for each semester you wish to borrow funds
  • Must be meeting the College’s satisfactory academic progress standards
  • Must be meeting all other U.S. Department of Education eligibility requirements
  • At the time of disbursement, must be enrolled in and commenced attendance in a minimum of 6 credit hours.


Lorain County Community College
Financial Services
1005 North Abbe Rd.
Elyria, OH 44035

Phone: (440) 366-4034