For all Federal Direct Loan borrowers, please review the Student Loan Overview page for detailed information on loans. Also, check our Manage Your Student Loan page for quick links about loan details.

Student Loan Process

To be eligible for student loan(s) at Windward Community College (WCC) beginning with the Fall 2020 and Spring 2021 school year, follow the steps below:

  1. Students interested in borrowing a loan through the government, Federal Direct Loan, must complete the Financial Aid Application or FAFSA (FAFSA must be complete with NO outstanding requirements), the Federal Direct Student Loan Request Form, online Direct Loan Entrance Counseling (required each academic year), the online Master Promissory Note (required only once at WCC), and if students have loan eligibility.  Follow the instructions carefully, as Incomplete or Incorrect forms will NOT be accepted or processed.  The deadline to submit the completed Federal Direct Student Loan Request Form to the WCC Financial Aid Office is two weeks before the end of the Fall semester (for Fall/Spring loans) or two weeks before the end of the Spring semester (for Spring only loans).  Student loans cannot be processed once the semester has ended.
  2. Students must also be in a Financial Aid eligible degree/program.  Please Click Here to view the eligible degrees/programs at WCC.
  3. Students must be enrolled for a minimum of 6 credits each semester to be eligible for a student loan. Please be sure that the credits you registered for count towards your current degree/major at Windward CC. Courses that are outside of your current degree/major will NOT count (not eligible) for Financial Aid funding. Please visit the Course Program of Study (CPoS) website for more information
  4. Must complete an online Master Promissory Note (MPN) only Once at WCC.  Please see below for instructions.
  5. Must also complete an online Loan Entrance Counseling for WCC each academic year that you borrow a student loan.  Please see the instructions below to complete the online Master Promissory Note (if need be) and the online Loan Entrance Counseling online at https://studentaid.gov.

Your loan funds should be disbursed by the school approximately 2 weeks after (or right before the start of the semester) you have completed the Loan Request Form, the online Master Promissory Note (MPN), and the online Loan Entrance Counseling. 

If you are a freshman student and first-time borrower, you are NOT eligible for your loan fund(s) until 30 days after the semester begins.

Instructions to complete the Master Promissory Note (MPN):

  1. If this is the FIRST time you are borrowing a Federal Direct Student Loan from WCC, you need to complete TWO things. The first is the Direct Loan Entrance Counseling, and the second is the Master Promissory Note (MPN).
    • If you have previously borrowed a Federal Direct Student Loan from WCC, all you need to do is complete the Direct Loan Entrance Counseling (follow the instructions below).
  2. You will need your verified FSA ID (FAFSA Username & Password).  If you do not have an FSA ID, click apply for an FSA ID here.
    • Go to https://studentaid.gov/
    • Click the “Log In” button and enter your FSA ID Username and Password
    • Go to the “Complete Aid Process” drop down menu
    • From the dropdown menu, click on “Complete Master Promissory Note
    • Look for “MPN for Subsidized/Unsubsidized Loans” and click on the blue “Start” button to the right of the screen
    • Input all of the required information, including school information at the bottom (be sure to list Windward Community College so that we receive your completed Master Promissory Note) and “Submit” when done
    • You will receive confirmation that you have successfully completed your entrance counseling at the end of the session.

Instructions to complete the Entrance Counseling

  1. If this is the FIRST time you are borrowing a Federal Direct Student Loan from WCC, you need to complete TWO things. The first is the Direct Loan Entrance Counseling, and the second is the Master Promissory Note (MPN).
    • If you have previously borrowed a Federal Direct Student Loan from WCC, all you need to do is complete the Direct Loan Entrance Counseling.
  2. You will need your verified FSA ID (FAFSA Username & Password). If you do not have a FSA ID, click apply for a FSA ID here.
    • Go to https://studentaid.gov/
    • Click the “Log In” button and enter your FSA ID Username and Password
    • Go to the “Complete Aid Process” drop down menu
    • From the dropdown menu, click on “Complete Entrance Counseling
    • Scroll down and look for “Complete Entrance Counseling” and then click on the blue “Start” box
    • List Windward Community College in the “Add School to Notify” box
    • Once you see Windward Community College in the “Add School to Notify” box, click the “Notify this School” button
    • Under “Select Student Type,” select the “I am completing entrance counseling to receive Direct Loans as an undergraduate student,” and click on the “Continue” button. Follow the instructions and complete and submit your Loan Entrance Counseling
    • You will receive confirmation that you have successfully completed your entrance counseling at the end of the session