What kind of loans can I get at KC?

Kaskaskia College does not participate in the Federal Direct Loan program. However, if you already have received a Direct Loan in the past or from another institution and need to complete mandatory exit counseling, please follow this link https://studentaid.gov/exit-counseling/. You must complete exit counseling if you have graduated, withdrawn or dropped below 6 credit hours and have previously taken out a Federal Direct Loan.

Student loans are offered through the preferred lenders, Sallie Mae Student Loans and Commerce Bank. You may also borrow from private banks and other lending institutions if you prefer. The interest rates, repayment options, and terms may vary depending on which lender you choose to use. You may also need to provide a credit worthy co-signer in order to qualify for a student loan or to receive a lower interest rate through one of these preferred lenders.


  1. Steps to apply for an Outside Loan
    • Choose a lender
    • Sallie Mae Student Loans
    • Commerce Bank
    • College Ave 
    • PNC Bank
    • Students may also seek out private banks or lending institutions of their choice, in this scenario however, the loan funds would be sent directly to the student and not through Kaskaskia College. Examples of other private lenders could include US Bank, First National Bank, GTSB Bank, FCB Bank etc.
  2. If you are a first-time borrower with Kaskaskia College, you will need to review the first-time loan seminar after being approved for a student loan.
  3. Follow up with Financial Aid Office to make sure your loan was certified. Please call 545-3080 or email kcfinaid@kaskaskia.edu.


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