Financial Aid

Direct Loan Application Process

Loan Application Deadlines 

Fall 2018 only: October 26, 2018  Spring 2019 and/or Full Year: March 22, 2019

Completion of the 2018-19 Application for Federal Student Aid (FAFSA) and all additional requested documents is required in order to assess eligibility for a Direct Student Loan. Carefully review the loan application steps as outlined below (click on the links to access required forms or websites).

You are responsible for meeting applicable deadlines, reading all loan information and ensuring you have completed all required steps. Late or incomplete loan forms will not be processed and may be returned to you. This includes inaccurate or incomplete information submitted on any section of the Direct Loan Application, or any other required forms submitted as part of the loan application process.  This includes ensuring that you have completed the FAFSA application and all additional requested documents PRIOR to the Loan Application deadlines listed above.


All forms may be submitted electronically, turned into the Financial Aid Office at your campus location or sent via US mail. No faxes will be accepted. Faxed copies of any loan forms will not be processed and may be returned to you. It is recommended that you make copies of all completed forms for your records.



Student loan disbursements for first-time borrowers will be made no earlier than 30 days after the first day of the term.

Borrow only when absolutely necessary. Students who are planning to transfer should be aware that loans are generally the largest portion of a financial aid package at four year colleges. Consider your total educational debt before borrowing at College of the Redwoods.

Students who have reached a loan debt, including the current requested amount, that meets or exceeds the College of the Redwoods maximum recommended loan level ($15,000), and students who have previously defaulted on a student loan, may need to file an appeal.



___ Complete the 2018/19 FAFSA application process. Submit any follow-up documents that are requested by the financial aid office. You will receive a student email notice when your Financial Aid file review is complete (the email subject heading will be: Financial Aid Award Notification or Financial Aid Eligibility Notification).

___ Complete a Loan Agreement (Master Promissory Note) online at time only)

___ Complete a Loan Entrance Counseling session online at (one time only)

___ Meet and maintain Financial Aid Satisfactory Academic Progress (SAP) requirements.

___ Enroll in and maintain 6 or more eligible units.

___ Complete and submit the Direct Loan Application to the Financial Aid Office.* (repeat annually)

*Students with prior loan debt greater than or equal to $15,000 (including current requested amount), or students with a previously defaulted loan, may be asked to complete and submit a Direct Loan Appeal Form. (may need to repeat annually)


We highly recommend you complete a personal budget/worksheet (found on our financial aid website) to review your current debt level and understand how you are spending your money.  Loans are fairly easy to get, but difficult to repay.  We want to be sure you are well-informed so you only take out loans if absolutely necessary.



Financial Aid Staff will review your Direct Loan Request Form to determine your eligibility. The loan certification process may take from 4-6 weeks, or longer depending on when you submit your application, from your loan application submission date (as long as all required steps have been completed). If you have any questions about your application, want to make a change to your original request, or need to make an appointment to come in and talk with the Financial Literacy Specialist, please call (707) 476-4183.

After the loan certification, students will receive an award notification at their student email account regarding updated loan award amounts. This email will include information on disbursement timelines.