Direct Loans

Brookhaven College participates in the William D. Ford Federal Direct Loan (Direct Loan) Program.

Learn About the New Two-Step Loans Process

The way Federal Direct Loans are awarded — and the steps you’ll need to take as a financial aid applicant, whether you want a loan or not — have changed.

The new process ultimately puts more information and control in your hands, but it does involve some new steps you need to learn about. Here are an overview and some questions and answers about the two-step loans process to help you.

Rule Limits Amount of Time for Loans

If you are a first-time borrower on or after July 1, 2013, there is a limit on the maximum period of time that you can receive Federal Direct Subsidized Loans.

Learn more about the 150 percent loan rule.

Loans Based on Half-Time Enrollment

Brookhaven College awards all aid, including loans, based on half-time enrollment (six (6) credit hours). Enrollment statuses greater than half-time (more than six (6) credit hours) are evaluated on an individual basis. This policy helps to minimize student loan debt and assists in Direct Loans only being used to pay educational expenses such as tuition, fees, books and transportation. By law, federal student aid funds may only be used for educational purposes.

You must be registered in at least six (6) credit hours of course work at the college(s) to be eligible for a loan. We will check your enrollment status each time we schedule a loan disbursement. If you drop below six (6) credit hours before a loan is disbursed, you will not receive that disbursement. The loan will be cancelled and returned to the lender.

More Information

Visit for more information about loans, including borrower’s rights, interest rates and repayment options.