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San Joaquin Delta College
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 Financial Aid, Scholarships & Veterans Services 
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Student Loan Application Requirements:

  1. Complete a FAFSA.
  2. Submit all required documents to complete a financial aid file with Delta College. .
  3. Have received official financial aid eligibility notice via student email.
  4. Be in good academic standing according to the Financial Aid Satisfactory Academic Progress Policy.
  5. Not be in default on any other federal student loans.
  6. New borrowers must complete Entrance Loan Counseling.
  7. New borrowers must complete a Master Promissory Note. 

San Joaquin Delta College currently participates in the federal Direct Stafford Loan program.  However, a high default rate will have major consequences in the participation of financial aid funding to students.  To help maintain the integrity of the financial aid and loan programs, we ask you to remember that borrowing places you in debt and borrowing should be used as a last resort.

Visit the Federal Student Aid webiste for information about Direct Stafford Loans. How much you can borrow, interest rates and other important information can be found there.

2016-2017 Loan Application Information:
  • Fall 2016  

Loan Applications are now available to students who meet the Student Loan Application Requirements.

For disbursement informtaion please read the Loan Disbursement Policy & Regulations.


  • Spring 2017

           To be determined.


  • Summer 2017

To be determined.

Loan Disbursement Policy & Regulations

Disbursements Information:


According to our policy and regulations, loan funds will be disbursed as follows:


  • Loan funds are disbursed in two payments PER TERM. That is, 50% of the amount borrowed during the Fall semester in two payments and 50% during the Spring semester in two payments, minus the origination fee. If you are only eligible for one semester, you will receive loan funds in two payments. There are no exceptions.
  • Per Federal Student Aid regulations, "if a student is in the first year of undergraduate study and is a *first-time borrower, your school may not disburse the first installment of the Direct Loan until 30 calendar days after the student's program of study begins."                                *First-time borrower is a student who has never received a loan from Delta College
  • All students who apply for a student loan must complete a Master Promissory Note (MPN) and Entrance Counseling before they can receive a student loan.


Subsidised Usage Limit Applies (SULA):

The US Department of Education 150% rule for subsidized loans is called “Subsidized Usage Limit Applies” (SULA) and is for students who had no outstanding student loan indebtedness on July 1, 2013. SULA is a way for the Department of Education to track a student’s educational program and to make sure they complete their program within 150% of the time it takes to complete the program (measured by enrollment and the number of terms a student received a subsidized loan after July 1, 2013). A student who borrows student loans after they have reached the 150% limit loses eligibility to borrow any further subsidized loans and is not eligible for the subsidy on any outstanding subsidized loans.

Student Rights Student Responsibilities

You have the right to ask a school:
  • What it costs to attend and about the refund policies for students who drop out.
  • How the school determines whether students are maintaining satisfactory academic progress and what happens if they are not.
  • What financial assistance is available, including all federal, state and school financial aid programs.
  • What the deadline is for submitting each aid application and about the criteria used to select recipients.
  • How each student's financial need is determined, including how costs for tuition and fees, room and board, transportation, books and supplies, and personal and miscellaneous expenses are considered in your budget.
  • What resources—such as parental contribution, other financial aid, personal assets, etc.—are included in the need calculation, and how much of your financial need, determined by the school, has been met.
  • To explain the various programs in your student aid package. If you believe you have been treated unfairly, you may request reconsideration.
  • What portion of the financial aid must be repaid and what portion is grant aid.
  • What is the interest rate, the total amount to be repaid, repayment procedures, the length of time to repay the loan, and the date when repayment begins.
  • How to apply for additional aid if your financial circumstances change.

It is your responsibility to:
  • Review all information about a school's program before enrolling.
  • Pay special attention to your application for student financial aid, complete it accurately, and submit it on time to the right place. Errors can delay financial aid. Intentional misreporting of information on application forms for financial aid is a criminal offense subject to penalties. Aid awarded due to inaccurate information will have to be repaid.
  • Submit all paperwork by the deadline.
  • Submit all paperwork to the right place.
  • Respond promptly and return all additional documentation, verification, corrections, and/or new information requested by the financial aid office or the agency to which you submitted applications.
  • Read, understand, and keep copies of all forms that you sign.
  • Notify the lender within 10 days of changes in your name, permanent mailing address, and school status.
  • Repay the loan according to the repayment schedule. Payment is required even if you do not get a bill.
  • Do not wait for the lender to contact you; write and request a repayment schedule.
  • If you cannot make a payment or think no payment is due, contact your lender and request a deferment of repayment, forbearance, hardship extension, or in-school extension.
  • Understand the school's refund procedures.
Defaulted Student Loans
Okay, you've DEFAULTED on your student loan... Now what?!

If you wish to regain eligibility for financial aid and/or get on the right track in reference to your credit records this is what you need to do:
  • Pay the defaulted loan in full or
  • Meet the satisfactory repayment criteria with six consecutive satisfactory payments. or
  • You may be eligible to consolidate your defaulted student loans or
  • Some consolidation lenders require that students make satisfactory repayment on their defaulted student loans before they will consider consolidating the loans.
  • You can rehabilitate your loan-that is, to bring it out of default-you must make 12 consecutive, voluntary, reasonable, and affordable monthly payments under an agreement with the Servicing Center. Once you make these 12 payments, default information will be removed from your credit record.

Things to remember

Do NOT be afraid to contact your lender or collection company, they are there to help you find the best way to to either:
  • pay off your student loan or
  • assist you in regaining your financial aid eligibility or
  • straighten out your credit record.


Page revised: 8/11/16

Connect With Us

San Joaquin Delta College
5151 Pacific Ave
Stockton, California 95207
(209) 954-5151