Programs, Loans, Grants, and Scholarships
Federal Supplemental Educational Opportunity Grant (FSEOG)
South Carolina Need Based Grant
Stafford Loans/Subsidized and Unsubsidized
Federal Work Study (FWS) Program
Steps For Applying For And Receiving VA Benefits For Online Classes
Stafford Loans/Subsidized and Unsubsidized
The Stafford loan program is the U. S. Department of Education's major form of self-help aid. Regular students enrolled in an eligible program of study at least half time may be eligible for the Stafford loan. Award amounts range from $500 to $3500 for first year students.Additional Stafford Loan Information (pdf)
Income Based Repayment of Stafford Student Loans (pdf)
Loan Limit Policy (pdf)
Loan Limit Appeal Form (pdf)
CCTC Offers a Preferred List of Lenders
Students must choose a lender when applying for Stafford Loans. The following is a list of preferred lenders, but students are not required to use any of these lenders. CCTC receives no incentive or financial benefit from any lender whether or not they are designated as preferred. These lenders are preferred because they have proven to give students good customer service, provide fixed interest rates and each offers its own special student savings, or incentives. Students are required to sign a Master Promissory Note on the lender’s website using the FAFSA PIN. The lender will provide electronic notification for the loan, but students are also required to fill out the loan notification located in the financial aid forms section of the CCTC website or can be accessed here: Student Loan Information.
Borrower's Rights (pdf)
Each student must submit this form to the financial aid office for the loan certification to be sent to the lender of choice.
Click on the lender name to access more information on what the lender has to offer:
>South Carolina Student Loan Corporation
> Wachovia
Other lenders may be found by conducting a web search, or other means chosen by the student.
Loan limits vary based on a number of student specific factors. Students may be eligible for as much as $10,500 in student loan funds.
Parent Loans are also available for dependent undergraduate study.
Private Loans are Available
Some students and parents are eligible for student loans offered by private entities. Central Carolina recommends students or parents consider private loans only as a last resort in paying for college expenses. Private loan terms and conditions are determined by the individual lender, are not part of federal title IV regulations, and may not be as favorable as those of the Federal Family Educational Loan (FFEL) program. All borrowers, in any loan program, should be fully aware of all terms and conditions of any loan before proceeding with application and borrowing.