We would like to use cookies to store information on your computer, to improve our website. One of the cookies we use is essential for parts of the site to operate and has already been set. You may delete and block all cookies from this site, but parts of the site will not work. To find out more about the cookies we use and how to delete them, see our privacy notice. For privacy information for individuals within the European Union, see the SUNY GDPR privacy notice.
I accept cookies from this site.

Loan Information

  • Direct Loan Borrower Information

    These federal loans are for matriculated students who are enrolled at least half-time (six credits). They have a low fixed interest rate and repayment begins six months after the student graduates or falls below half-time enrollment. Federal Stafford Loans can be subsidized or unsubsidized depending upon financial need. The Financial Aid Office will determine the type of loan you will receive based on Cost of Attendance (COA), Expected Family Contribution (EFC) and other aid received. Annual and aggregate loan limits apply to Federal Stafford loans.


    • The student must demonstrate financial need to receive a subsidized loan.
    • The federal government pays the interest on the loan while the student is attending school at least 6 credit hours (half-time), during the six month grace period, and during approved periods of deferment.
    • First time borrowers must complete a Master Promissory Note (MPN) and Loan Entrance Counseling at https://studentloans.gov.


    • These loans are available regardless of family income, but the student, not the government, pays the interest on the loan. You will be charged interest from the time the loan is disbursed until it is paid in full. You can choose to pay the interest or allow it to accumulate. If you allow the interest to accumulate, it will be capitalized--that is, the interest will be added to the principal amount of your loan and will increase the amount you have to repay over the lifetime of the loan. If you pay the interest as it accumulates, you will repay less.
    • First time borrowers must complete a Master Promissory Note (MPN) and Loan Entrance Counseling online at https://studentloans.gov.


    • Student must attend a minimum of 6 credit hours per semester.
    • Student must be matriculated, that is, accepted into a program through the admissions process and have maintained attendance since being accepted.
    • Student must be a U.S. citizen or eligible non-citizen.
    • Student must maintain satisfactory progress in all coursework while enrolled at ECC regardless of whether or not the student received federal student aid for that period of enrollment.
    • Student must have valid Free Application for Federal Student Aid (FAFSA) results on file at ECC.

    How to Apply

    To apply for a Federal Direct Stafford Loan, all applicants must first file a FAFSA at www.fafsa.gov. Students who indicate on the FAFSA that they are interested in student loans will automatically be offered a student loan when their financial aid awards are packaged if the grant award(s) will not cover their tuition and fees. Students who do not indicate on their FAFSA that they are interested in a student loan, should correct their FAFSA to indicate they are interested in student loans if they have not already received an award letter from the Financial Aid Office. If the student has already received an award letter, the student will need to complete a loan request form available in the Financial Aid Office or online.

    All loan offers must be accepted or rejected in WebAdvisor.

    If you would like to change the amount of Direct Loan that you were offered or if you did not receive a loan offer in your award package but need one, you may submit a Direct Loan Request/Adjustment Form to your campus Financial Aid Office. Your requests/adjustments will be reviewed by a counselor.

    Note: All first time borrowers must complete an Entrance Counseling session at https://studentloans.gov. This is an online tutorial which reviews your rights and responsibilities as a Federal Direct Loan borrower. Once the Loan Entrance Counseling session is completed, the ECC Financial Aid Office will receive an electronic confirmation. Students should print the confirmation form at the end and keep it for their records.

  • Need Help?

    Financial Aid - Visit Us

    City Campus
    Student Support Center - Room O102A
    45 Oak Street
    Buffalo, NY 14203
    M8 a.m. - 6 p.m.
    Tu-Th8 a.m. - 4 p.m.
    Fri8 a.m. - 2 p.m.
    North Campus
    Spring Student Center - Room S201
    6205 Main Street
    Williamsville, NY 14221
    M, W, Th, and F8 a.m. - 4 p.m.
    Tu8 a.m. - 6 p.m.
    South Campus
    Building 5 - Room 5206
    4041 Southwestern Blvd.
    Orchard Park, NY 14127
    M, Tu, Th, and F8 a.m. - 4 p.m.
    W8 a.m. - 6 p.m.