If you apply for financial aid, BCC will include as part of your financial aid package; a separate loan application process is involved.
Federal Direct Student Loan programs provide low-interest loans to help meet college
expenses. Eligibility for a subsidized or unsubsidized Direct Loan is determined by
the household and financial information provided on your FAFSA. You could receive
subsidized, unsubsidized, or a combination of both loans, depending on your eligibility.
Most BCC students can qualify for a loan subsidy, which means that the government
pays the interest on your loan while you're enrolled. Student loan borrowers can defer
repayment until 6 months after graduation.
Based on the most recent available data, the average total student loan debt upon
leaving BCC (graduating, transferring, etc.) is $8,552.
In July 2025, Congress passed the One Big Beautiful Bill Act (OBBBA) which introduced
several changes to the federal student loan program. Starting with the fall 2026 semester,
student loan limits for the semester will be reduced for students who are less than
full time (taking less than 12 credits a semester). For example, a student taking
six credits in the fall 2026 semester is only eligible for half their semester loan
limit.
To request a loan:
Visit BCC’s and log in with your MyBCC account info (this is your ID # with a lower case "s".
If you have trouble logging in, please submit the Online Help Request Form. Once logged in, click on the menu button in the top left corner, click on "Financial
Information," click on "Financial Aid," and then click on "Request a New Loan."
The Student Financial Services Office will then receive your request and certify your
loan amount (subject to your eligibility).
In response to concerns at a national level about student lending practices, the Massachusetts
Board of Higher Education, established a Code of Conduct for Student Loan Program
and called on each public institution of higher education in Massachusetts to adopt
the Code. Accordingly, on August 28, 2007, ÎÚÑ»´«Ã½ adopted the
Code as specified and is fully complying with the Code.
A Student Borrower Bill of Rights is a variation on this Code of Conduct that is intended to enhance student understanding
of their rights under the Code.