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Financial Aid


Almost all students qualify for loans, regardless of their family income. The U.S. Department of Education provides low-interest loans, which are called federal Direct Loans.

In order to be eligible for a loan, you must enroll in at least six credit hours in a program that's eligible for financial aid.

Taking out a loan is a serious commitment. You’ll be required to sign a legal contract, called the Master Promissory Note, that gives you certain rights and responsibilities as a borrower. By signing this contract, you’re agreeing to pay back the money you borrowed—with interest—after you leave school. If you don’t, your credit can be ruined and the federal government can withhold your income tax refund and take part of your wages until the debt is repaid.

Types of Federal Direct Loans

There are two types of Direct Loans:

What You Can Use the Money For

If you receive a federal loan, you can only use it to pay for educational expenses at WCC. These include:

  • Tuition and fees
  • Books, supplies, and equipment
  • The rental or purchase of a personal computer
  • Room and board
  • Dependent child care expenses
  • Transportation
  • Miscellaneous expenses

Federal Loans vs. Private Loans

Federal loans are a better deal than loans from private lenders. Federal student loans generally have lower interest rates that are fixed, generous repayment plans, no repayment penalties, and no credit checks (except for PLUS Loans).

Track Your Loan

You can track your loan at the National Student Loan Data System. All of your federal loan information is reported to NSLDS, where you, your loan servicer, and other authorized users can access it.

For More Information

The federal government offers lots of detailed information about loans at StudentLoans.gov. Two publications are especially useful:

Check Your Aid

To check the status of your financial aid, log into the WCC Gateway, click on MyWCC, Financial Aid, Award Information, and then click on Check Your Financial Aid Status.

log in »

Contact Financial Aid

To contact WCC’s Financial Aid office, you can:

  • Visit the office on the second floor of the Student Center building
  • Call 734-973-3523
  • Send a fax to 734-677-5281
  • Send an email to

The office’s normal hours are Monday through Thursday from 8:00am to 7:00pm, Friday from 8:00am to 5:00pm, and Saturday from 9:00am to 1:00pm.


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