Mt. SAC Important Message

New Numbers, Same Classes! Some of our most important general education classes have new course numbers and names effective this Fall. Don't miss your GE requirements and read your Mountie email for more information!

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2025–2026 Federal Direct Loan Information

πŸ“… Loan Application Availability

Loan Applications Available Starting: August 15, 2025

To request a Subsidized or Unsubsidized Federal Direct Loan:

  • Call the Mt. SAC Financial Aid Office at (909) 274-4450
  • Submit your completed Direct Loan Application online through Adobe Sign.

 

πŸ“Œ Loan Request Deadlines & Disbursement Dates

πŸ“† Request Deadlines πŸ’° Disbursement Dates (Split 50%/50%)
2025 Fall Semester November 14, 2025 (by 7:00 PM) October 2, 2025 November 6, 2025
2026 Spring Semester May 15, 2026 (by 7:00 PM) March 16, 2026 April 20, 2026

 

πŸ’΅ Interest Rates & Fees (2025–2026)

Loan Type Borrower Interest Rate Loan Fee
Direct Subsidized/Unsubsidized Undergraduate 6.39% 1.057%
Direct Unsubsidized Graduate/Professional 7.94% 1.057%
Direct PLUS Parents or Graduate/Professional Students 8.94% 4.228%

Source: studentaid.gov

βœ… Eligibility Requirements

You must meet all of the following BEFORE requesting a loan. No exceptions.

  1. Submit a FAFSA for 2025–2026.
  2. Be enrolled in at least 6 degree-applicable units.
  3. Be meeting Satisfactory Academic Progress (SAP).
  4. Have a full, counselor-approved Educational Plan (Assessment Questionnaire must be completed).
  5. Submit all required documents via Adobe Sign.
  6. Complete any pending financial aid requirements.
  7. Your total financial aid (grants + loans) must not exceed your cost of attendance.
  8. New borrowers must complete:
  9. Monitor the Financial Aid tab in your Mt. SAC Student Portal for updates.
  10. Approved students will receive a Disclosure Statement from the loan servicer.

Note: An approved SAP appeal does not guarantee loan approval.

πŸ“Ž Required Documents

  • Signed, full & complete Educational Plan from a counselor
  • Copy of valid State ID or Driver’s License and Social Security Card
  • Proof of completed Entrance Counseling
  • Incomplete packets will not be accepted & will delay the process

βš–οΈ Institutional Right to Deny or Reduce Loans

Section 428(a)(2)(F) of the Higher Education Act allows Mt. SAC to refuse or reduce loan certification based on documented reasons (e.g., unwillingness to repay). Students will be notified in writing if this occurs.

πŸ”— Helpful Resources

Link Description
studentaid.gov/h/manage-loans Manage loans, complete counseling, access loan servicer info
finaid.org/loans/forgiveness.phtml Explore federal loan forgiveness programs
finaid.org/calculators/loanpayments.phtml Estimate your monthly loan payments