Loans for Students - Santa Barbara City College

U.S Deparment Of Education Began Student Loan Collections

If you're over 360 days delinquent, your loans may be in defult

Reminder: Verfiy and confrim your contact details on your Federal Student Aid Account to stay in the loop.

Guide to help you understand Federal Student Loan repayment

Repayment Options: You can compare plans using the Federal Student Aid Loan Simulator

Information and options to help Federal Student Loan borrowers get out of defult

For Public Serivce Workers: On the Public Service Loan Forgivness (PSLF) track? Keep your employment certification up-to-date to make sure every payment counts.

Stay Alert: Scams are out there. Ignore unsolicited offers claiming to give you loan forgiveness or reduced payments. If something smells fishy, you can file a complaint with the Department of Financial Protection and Innovation (DFPI)

SBCC Direct Student Loan Processing Changes for 2025-2026

SBCC participates in the Federal Direct Loan Program. Due to the more favorable terms offered by the federal student loans, we recommend that you review this information before applying for a student loan from private lenders. To submit a Federal Direct Loan for consideration, the following is required:

Complete and submit a 2025-2026 FAFSA

Meet all File Verification requirements and receive an Award email

You must complete and submit a SBCC Direct Loan Request Form and meet all federal eligibility requirements

Access the or "2025-2026 (Fall 2025, Spring and Summer 2026) Federal Direct Loans" link and follow the step by step instructions on how to request a Direct Loan