Private College Student Loan

Can you get a federal direct loan if you've gone over your maximum time frame?

I was denied financial aid because of my maximum time frame (92 credits). But need two more classes to finish before I transfer to another university and was wondering if I can apply for a federal direct loan to pay for those classes. Also I have tried applying for a private student loan and was denied cause of my limited credit history so a federal direct loan is my only option. Please and Thank You

Public Comments

1. Nope - a federal Direct Stafford Loan is financial aid too. The government is going to require that you are making Satisfactory Academic Progress as defined by your school, and completing your degree within 150% of the published length of the program is one of the requirements. Even a lot of private loans require that you are meeting the SAP requirements. Most likely, your only recourse at this point is going to be to get a job and pay for your two courses the old fashioned way.
2. maximum time frame applies to the pell grant and most state grants and is the requirement based on two factors 1 The government 2 The fact that this is a community college Therefore when you go to a university you will get more pell grant. I know this cause I asked financial aid as well. What you did was go overboard in community college requirements, so they can no longer give you a pell grant. However, as long as it is over 6 credit hours you can still apply for a loan Just make sure you pass these classes so you can make a successful transfer over to the university of your choice