• 1st Year (less than 34 completed hours)
Dependent Undergraduate Student = $5,500 (No more than $3,500 of this amount may be in subsidized loans) Independent Undergraduate Student = $9,500 (No more than $3,500 of this amount may be in subsidized loans)
• 2nd Year (more than 33 completed hours in a two year program)
Dependent Undergraduate Student = $6,500 (No more than $4,500 of this amount may be in subsidized loans) Independent Undergraduate Student = $10,500 (No more than $4,500 of this amount may be in subsidized loans)
Note: Dependent students whose parents are denied a PLUS loan may be eligible for up to an additional $4,000 after proof has been received.
Direct Loan Interest Rate
Direct Loans have a fixed interest rate that differs depending on the loan type and other factors. Check with the TVCC Financial Aid Office or the Direct Loan Servicing Center for details and current interest rate information.
Direct Loan Counseling
Federal regulations require that all students who receive a Federal Direct Loan (DL) must complete entrance counseling, you may do so by going to https://studentloans.gov. You must complete the Entrance Counseling AND the Financial Awareness Components.
Federal regulations also require that all students who receive a Federal Direct Loan (DL) must complete exit counseling prior to graduation or dropping below half-time attendance. You will not be able to get a copy of your college transcript until you have completed this important step.
FFELP Loan Counseling
Students who have previously had FFELP Loans will be required to do exit counseling for their bank loans prior to graduation or dropping below half-time attendance. Please note this is separate from the exit counseling for Federal Direct Loans.
Student aid regulations require the school to conduct entrance loan counseling for all new borrowers before issuing the first disbursement. If you're a first-year undergraduate student, your first disbursement cannot take place until 30 days after the first day of your enrollment period begins (see loan disbursement schedule).
Please Note: First-time students will not receive the loans in time to pay for tuition or books. A student who does not have enough grant or scholarship money to cover tuition will need to make alternative payment arrangements with the Financial Aid Office for a temporary loan until their Direct Loan funds can be disbursed.
Spring Loans and Withdrawal from Trinity Valley Community College
If you withdrew from TVCC in the fall semester, and are returning for the spring semester, please be aware that your spring loans, if you were eligible, were cancelled when you withdrew. You will need to contact us.
Eligibility for a summer loan depends on your grade level, degree plan, and amount of loans you have already borrowed for the academic year.