Stafford Loans w/Community College

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Stafford Loans w/Community College

Postby GregMo » Fri Jun 14, 2013 6:39 pm

I would imagine this has been answered here before but I searched and I've searched Google and can't find a concise answer on this. I am an adult student wanting to go back to college at the age of 41. I've done the FAFSA and applied to my local community college. Their financial aid department tells me they don't participate in Stafford loans. I simply will not be able to attend school without it. I'm told the closest one that does is an hour away and that's just not really feasible. So I'm searching and digging and I've seen two sites that suggest that I can still get the Stafford loan but only through a third party rather than through the school. Another site that I've come across tells me that as of July 1, 2010 private lenders no longer offer federal student loans. Does that include the Stafford loan? I'm really confused and all the local financial aid office will suggest is a private loan. Sadly I don't have credit good enough to get one and I really don't want to ask someone to cosign if at all possible. Any and all insight to this would be most appreciated!

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Re: Stafford Loans w/Community College

Postby edvadmin » Wed Aug 14, 2013 11:07 am

First apply for federal student aid at When you are applying check to see if your community college is listed on the school locator. If it is they will allow you to attend using federal student aid. The only entity giving out Federal Student Loans is the Department of Education. The school does not give the loans everything now goes through the Department of Education Direct Loans. Private lenders no longer give out loans due to the Affordable Care Act (Obamacare). When they passed the legislation it made Direct Loans the only provider of Federal Student Loans. First try applying throught the FAFSA website, if you are not successful you can always go to the following websites to see if you can get either a scholarship to attend school or you can use private loans.


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