Federal Direct Loans

How do I apply for federal loans?

The Federal Direct Loan Program provides financial assistance for undergraduate students attending post-secondary schools on at least a half-time basis.

It is strongly recommended that you first meet with a financial aid counselor to review your loan eligibility before making a loan request, and discuss your financial needs. Please call 270-831-9627 to set an appointment. 

Students applying for a Federal Direct Loan for the first time at Henderson Community College must:

Complete the Entrance Counseling online.
Complete a new master Promissory Note online.
Students must then request loans online on their KCTCS Student Self-Service account by clicking on the Financial Aid tile, and then FA Loan Request.  Please make note that you will make the request for the full year in the fall, unless taking a spring only loan.

NOTE: Loan funds are disbursed with the rest of your financial aid on the first Sunday on or after 30 days from the first day of the semester.  Refunds are issued to your BankMobile VIBE preferred method refund on the Thursday following the Sunday disbursement date.  For assistance setting up your refund account, please call the Business Office at 270-831-9622.