Apply for a Student Loan
WCC participates exclusively in the Federal Direct Student Loan Program which includes Subsidized and Unsubsidized Student Loans. The Federal Government is the lender in the Direct Student Loan Program. Students interested in federal student loans will be required to apply through the Direct Student Loan Program and complete new master promissory notes.
For additional information on the Direct Student Loan Program, please click on the following links:
- General Direct Loan Information
- Direct Loan Consolidation Information
- Time Limitation on Direct Subsidized Loan Eligibility for First-Time Borrowers on or after July 1, 2013
- Federal Direct Loan Eligibility Calculator
Eligibility Chart Loan type is determined by your eligibility for need based aid. | Dependent (As defined by FAFSA) | Total Annual Limit | Independent (As defined by FAFSA) | Total Annual Limit | ||
Grade Level | Base (generally Subsidized) | Additional Unsubsidized |
| Base (generally Subsidized) | Additional Unsubsidized |
|
Freshman (Less than 30 earned credits at WCC) | $3,500 | $2,000 | $5,500 | $3,500 | $6,000 | $9,500 |
Sophomore (30 or more earned credits at WCC) | $4,500 | $2,000 | $6,500 | $4,500 | $6,000 | $10,500 |
Important Information regarding eligibility:
| ||||||
How to Apply for a Direct Student Loan
To apply for a Direct Student Loan, students must meet basic eligibility criteria and complete the following steps:
- Complete Direct Student Loan Entrance Counseling.
- Complete a Direct Student Loan Master Promissory Note.
- Print a Loan Request Form (Fall 2026/Spring 2027 )
- Complete the form and submit it to the Financial Aid Office in Bland Hall or Crossroads or via fax to (276)223-4807 or upload through the secure financial aid document form.
We’ve teamed up with Solutions at ECMC to answer all of your student loan repayment questions. Solutions is a non-profit organization dedicated to helping students manage educational loans and their resources are available to you free of charge. Contact a Solutions Student Loan Repayment Advisor by calling 1-844-782-2333.
WCC Loan Application Important Dates and Priority Deadlines
| Semester | Application Start Date | Application End Date |
|---|---|---|
| Fall Semester | July 1 | August 1 (Priority) |
| Spring Semester | July 1 | December 1 (Priority) |
| Summer Semester | March 1 | May 1 (Priority) |
Exit Counseling
When you are getting ready to graduate or you are no longer enrolled at least half-time at Wytheville Community College and you have received a Direct Loan, you are required to complete exit counseling. You must notify the Financial Aid Office when the exit counseling has been completed.
Exit counseling can be completed online at studentaid.gov. You will need your FSA username and password to complete the counseling.