Learn about federal loans that can help you pay for your education.

Federal Direct Stafford Loan

The Federal Direct Stafford Loan is a low-interest loan of up to $5,500 per year for freshmen and $6,500 for sophomores. Independent students can borrow up to $4,000 more if needed. You don't have to start paying this loan back until six months after you've stopped being an HCC student at least half-time. If subsidized, you will not be charged interest while enrolled at least half-time.

Subsidized student loans are limited to 150% of the length of the student's academic program for new borrowers on or after July 1, 2013. The 150% limit means that students enrolled in a two-year program will be eligible for subsidized loans for the equivalent of three years. After that time students would only be eligible for unsubsidized student loans. 

Federal Direct Parent PLUS Loan

This loan for parents helps pay the cost of education for their undergraduate children. More information on loans is available at student

Net Price Calculator

These calculators will help you get an estimate of the amount of grant aid you might expect to receive if you attend HCC full-time and meet all federal and state financial aid eligibility requirements.