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Direct Loan Eligibility Requirements

To be considered for a Direct Loan at Chabot College, applicants MUST:

1.  Complete the FAFSA and submit all documentation required by the Chabot College Financial Aid Office (FAO) for the academic year for which they are applying for a loan. 

Applications will NOT be processed until all required financial aid documents have been reviewed and satisfied.

Students can check their financial aid requirements and financial aid status online using Chabot's student web portal, The Zone.

2.  Have 12 or more units EARNED at Chabot College.

Units earned from other colleges will not be considered for this 12 unit requirement. Official transcripts from other colleges that have been evaluated by the Admissions & Records Office will only be used to determine a student’s Satisfactory Academic Progress (SAP) and academic program year (Freshman or Sophomore) for maximum loan eligibility.

Exceptions to this 12 unit requirement will ONLY be made for:

  • Students who are non-resident tuition paying students

  • Students who already earned a Bachelor's degree, and have been granted an extension of Federal Student Aid through the Chabot appeal process

  • Students who are ineligible for a Federal Pell Grant due to a high EFC (estimated family contribution) as determined by the FAFSA

3.  Have a declared major with the Admissions & Records Office.

Applicants must be seeking a certificate, associate or transfer degree in an eligible Title IV program of study (16 or more units in length) from Chabot College (not LPC).

4. Meet SAP (satisfactory academic progress) standards for each semester that they are applying for and/or are awarded a student loan.

Loan requests may be denied or reduced if the applicant is not making steady progress towards their declared program of study.

5.  Enroll in AND maintain a minimum of six (6) semester units for each semester that they are applying for and/or are awarded a student loan.

Student loan awards are awarded for the entire Fall-Spring enrollment period and will have two (2) disbursements, half in the Fall and the other half in the Spring.  If the student is no longer meeting SAP requirements or the minimum enrollment requirement after the Fall semester, the student will lose loan eligibility for the Spring semester and the remaining loan disbursements will be canceled.

  • Fall Only semester loans will be awarded ONLY to students who will be graduating or transferring upon completion of the Fall semester.  Fall Only semester loans have two (2) disbursements, half at the beginning of the Fall semester and the other half mid Fall semester.  Fall Only loans are prorated according to federal regulation.

  • Spring Only semester loans will be awarded to students who were NOT enrolled in/or did NOT earn a minimum of six (6) semester units and/or were not eligible for for financial aid due to SAP and/or did not declare an eligible major for the Fall semester. Spring Only loans are prorated according to federal regulation.

6.  Eligibility for Subsidized loans will be determined per new federal regulations which limit subsidized loans to 150% of a students program of study.  Read this page for details on subsidized eligibility. 

For example:  If you are enrolled in a two-year associate degree program, the maximum period for which you can receive Direct Subsidized Loans is three years (150 percent of 2 years = 3 years). 

A student is ineligible for any federal financial aid if in DEFAULT on prior student loan(s), or owes a repayment of Title IV aid to any school in the country.

The Financial Aid Office reserves the right to determine, on a case by case basis, to deny a loan request based on:

  • A high cumulative loan debt (typically we will not approve a loan request if the student's total aggregate loan debt totals $30,000 ore more).

  • Prior student loan default(s)

  • Poor academic history and/other concerns

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    Phone: (510) 723-6600 | Last updated on 7/1/2014