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An affordable vibrant education
in a diverse urban environment.
CCD Main Campus

Mailing Address:
P.O. Box 173363
Campus Box 201
Denver, CO 80217-3363

Physical Address:
Cherry Creek Building
1111 W Colfax Ave.
Denver, CO 80204

800 Curtis St.
Denver, CO 80204


Information About Student Loans

It is important to know the basics about student loans before borrowing. Students should remain aware of their total loan debts as they progress through school. Borrow only what is necessary and what is affordable to repay based on expected income and future goals.

Federal undergraduate loans are part of the overall financial aid that is available to help pay for the cost of one's higher education.

In order to be eligible for Federal Direct Student Loans, students must meet the following requirements:

  • Complete the Free Application for Federal Student Aid (FAFSA) available at:
  • Be enrolled in an eligible degree or certificate program
  • Be enrolled at least half-time (6 credits)
  • Maintain Satisfactory Academic Progress standards
    • A 2.0 GPA
    • 67% completion rate
    • Graduate within 150% of degree or certificate program's published length
  • Be a U.S. citizen, national, permanent resident or eligible non-citizen
  • Be free from default on any federal student loans
  • Be free from any obligation to repay a federal or state grant
  • Male students: satisfy the Selective Service requirement
  • Meet any requirement(s) specified by the Financial Aid Office

Subsidized Federal Loans: The Federal government pays the interest (6.8%) on this type of loan while a student is in school, during the grace period, and during any period of loan deferment.

New borrowers who borrow subsidized Stafford loans on or after July 1, 2013 can only receive subsidized loan funds for up to 150% of the published length of their degree/certification program.  Students working toward a 60-credit associates degree can receive subsidized Stafford loans for up to 3 years.

Unsubsidized Federal Loans: 3.86% interest on this type of loan accrues and capitalizes quarterly while a student is in school, during the grace period, and during any period of loan deferment. Interest payments may be deferred until repayment begins, but doing so will cause the interest to capitalize on the principal balance, thus increasing the student's overall loan amount to be repaid. All eligible students can borrow a Federal Unsubsidized Loan regardless of income.

The interest rate is 3.86% for both subsidized and unsubsidized loan funds.The amount of loans a student is eligible to borrow varies depending on the year in school, length of academic program, dependency status, and other types of financial aid awarded.

The loan limits below are listed as maximums and the Financial Aid Office will make the final determination of actual amounts that can be borrowed. Due to federal regulations, all CCD loans are split evenly into two disbursements, generally split between two semesters.

TYPE OF STUDENT Dependent Student Independent Student
Freshman $5,500
(maximum of $3,500 in subsidized funds)
(maximum of $3,500 in subsidized funds)
Sophomore $6,500
(maximum of $4,500 in subsidized funds)
(maximum of $4,500 in subsidized funds)



  • Think about your budget and borrow only what you need
  • Explore all other financial aid options (i.e. scholarships, FACTS payment plan, etc.)
  • Work full or part-time while in school
  • Utilize tuition reimbursement offered by your employer
  • Make interest payments on unsubsidized loan while in school
  • Determine how much of a repayment you'll be able to afford after graduation. Be realistic! 
  • If you do not need to borrow loan funds, don’t


Federal Student Aid Information Center
1-800-4-FEDAID (333243)
(TTY 1-800-730-8913)

Department of Education's Direct Loan Program

For repayment questions, contact your loan servicer, listed at:





Financial Aid 
(303) 556-5503 

Mailing Address
P.O. Box 173363
Campus Box 206
Denver, CO 80217

Physical Address
Confluence 120
800 Curtis Street
Denver, CO 80204
Auraria Campus

Monday - Thursday: 8am-5pm
Friday: 10am-5pm