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Bakersfield College

Bakersfield College Financial Aid Office

Direct Loan Program

The loan process has gone paperless! You will now be completing your documents through Verification Connection after completing your SCHEDULED MANDATORY workshop. Please contact the Office of Financial to schedule your loan appointment.


Loan workshops are for information only

If you have questions regarding your loan status and specific situation, you must meet with a representative at the front counter at the Financial Aid Office or view your loan progress online. The workshop is a tutorial on how to complete your steps and submit your loan application online as well as information on federal student loan guidelines. Loan estimates will not be provided. You will request a rough estimate on your student loan request application and we will award you based on units enrolled, cost of attendance, financial aid you are receiving, Subsidized Usage Loan Applies (SULA), grade level, dependency status, and aggregate loan limits for subsidized and unsubsidized loans, but will not exceed your amount requested.

You must attend the workshop any time you apply for a student loan with Bakersfield College.

Direct Loans are low-interest loans for you and/or your parents to help pay for educational expenses. The lender for Direct Loans is the U.S. Department of Education rather than a bank or other financial institution. Loans are a form of financial aid that must be repaid with interest.

Right to Cancel

Any time Bakersfield College credits a student account with Title IV loan funds, a notification is sent to the student, or parent for a Parent PLUS Loan, of the anticipated date and amount of the disbursement, the student’s or parent’s right to cancel within 14 days all or a portion of the loan, and the procedures and time by which the student or parent must notify the institution that he or she wishes to cancel the loan or loan disbursement.

You can view the Right to Cancel form below under "Additional Information."

You MUST have a valid FAFSA application for the year you intend to borrow loans. Dream Act applicants are not eligible for the Direct Loan program.

Types of Direct Loans

Requires financial need, as determined by federal regulations; No interest is charged while a student is in school at least half-time, during the grace period, and during deferment periods. Payment due 6 months after graduation or dropping below half-time enrollment.
Not based on financial need; interest is charged during all periods, even during the time a student is in school and during grace and deferment periods. Payment due 6 months after graduation or dropping below half-time enrollment.
Parent PLUS
Must be the parent of a dependent student enrolled at least half-time; credit check is required; not based on financial need; interest charged during all periods, even during the time a student is in school and during grace and deferment periods. Payment due 60 days after final disbursement (may be deferred while student is enrolled at least half-time).

All the above loan types have loan fees that are a percentage of the total loan amount. See Federal Student Aid's current loan fees.

Please note: During your Online sessions, you will observe the following:

Information disclosed to students or parents of students who enter into an agreement regarding a Title IV, HEA loan that the loan will be submitted to NSLDS and accessible by authorized agencies, lenders and institutions [HEOA 489 amended HEA Sec. 485B]

Eligibility Requirements

  1. Your 2019-20 Financial Aid Awards must be finalized in order to apply for a Federal Direct Loan.
  2. You must be enrolled in at least 6 degree applicable units (excluding remedial units) in an eligible program. Wait listed courses do not count.
  3. Bakersfield College must be declared as your home school.
  4. You must maintain Satisfactory Academic Progress as outlined in the Terms of Agreement for Bakersfield College.
  5. You must have a declared major and educational goal and be following a Comprehensive Student Education Plan (CSEP). All loan borrowers need to acquire a CSEP.
  6. Students on Financial Aid Suspension are ineligible for Direct Loans.

Getting Started


Please allow a 48 hour turnaround time for your insideBC requirements section to be updated. (This does not include weekends)

Exit Counseling

You are required to complete Exit Counseling once you graduate, leave school, or drop below halftime enrollment. Exit Counseling provides important information you will need as you prepare to repay your federal student loan(s).

Please follow the steps below:

Step 1: Have the following information available:

• FSA ID Username or E-mail Address

• FSA ID Password

• School code 00111800

If you have misplaced your FSA ID or password, you must click on Login and follow the Forgot ID or Password indicator.

Step 2: Log in to the website Exit Counseling

This website offers loan verification and exit counseling. Once logged in, you will select Complete Counseling, which will allow you to select the Exit Counseling requirement.

Please feel free to contact the Office of Financial Aid for any assistance with your Exit Counseling:

Contact Us

Phone: (661)395-4428


Hours of Operation

Monday – Thursday: 7:30 a.m. – 5:30 p.m.

Friday: 8:00 a.m. – 12:00 p.m.

Saturday and Sunday: Closed

Loan Application Deadlines

Fall 2019

November 4, 2019

Spring 2020

April 6, 2020

Summer 2020

July 13, 2020

Additional Information

Avoid defaulting on your student loan!

Don't Lose your tax refund from loan default

Don't Lose Your Tax Return!

Are you past due on your federal student loans? Call today to get on the right track-with your federal student loans at 1-844-ON-TRACK or visit ECMC Solutions. Our services are proviced to your at no cost by your former school!

Did you know?

The government can take your tax return if you default on your federal student loan.

ECMC Solutions Hours M-Thu: 7 a.m.-8 p.m. CT; F: 7 a.m.-5 p.m. CT; S: 8:30 a.m.-12:30 p.m. CT

There are options that may help you avoid loan default. Bakersfield College has teamed up with E.C.M.C. Solutions to provide student loan borrowers a resource to help you manage your educational loans. This service is FREE of charge and you can contact them regarding loan repayment advice, repayment plan options, forbearances and deferments, and loan forgiveness. Contact E.C.M.C. Solutions by phone at 1-877-331-3262 or visit E.C.M.C. Solutions to connect through email or web chat with one of their counselors.

Kern Community College District