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Education loans are offered at low interest rates with long repayment terms. Some loans require a demonstration of need; others do not. NOVA participates in the U.S. Department of Education's Direct Loan Program.



All borrowers must be enrolled in (and attending) at least 6 eligible credits at the time the loan is accepted in NOVAConnect and disbursed.  You will need to complete the Master Promissory Note and Entrance Counseling prior to ceasing enrollment in at least 6 eligible credits for the term you wish to borrow if these requirements were not previously completed for NOVA or if they have expired.

Entrance Counseling helps students understand their responsibilities regarding their loan. The Master Promissory Note is the legal document students electronically sign to receive a loan. Each one may take approximately 30 minutes to complete. Students must complete both before the College can make the first disbursement of their loan if they have not previously received a Federal Direct Loan.

NOVA does not process paper Master Promissory Notes for direct loans.

Additional information about how to accept loans and complete the Entrance Counseling and Master Promissory Note is provided in the loan tutorial



Parents must sign in using their own information to complete the PLUS Master Promissory Note (MPN) and PLUS Loan Request if they wish to request a PLUS loan.

When selecting the “School and Loan Information”, please use Northern Virginia Community College ONLY.

Helpful Hints

Student loans are an obligation that borrowers must repay. Only borrow what you need and what you can afford to repay based on your career! There are serious consequences for failing to repay student loans, such as wage garnishment, withholding of tax refunds, collection fees, denial of financial aid and damage to your credit history.

Most federal student loan repayment begins after the borrower stops attending college or drops below 6 credits of enrollment. Loan repayment begins once the loan is fully disbursed.

Contact your loan servicer if you have trouble making your loan payments. You may qualify for deferment, forbearance or a different repayment plan that can temporarily postpone or reduce the amount you must pay. Your loan servicer can also answer questions about making payments, loan consolidation and repayment plans.

Log in to the My Federal Student Aid portal to review your loan history and the contact information for your loan servicer. If you need assistance, including help with identifying your loan servicer, please call 1-800-4-FED-AID.

Start planning to repay your student loans with NOVA's Loan Planning form.

Loan Default Rates

In 2018-2019, only 10% of NOVA students accepted student loans.  Our institutional default rates are below the national average for community colleges (2-3 year public schools).  From the Department of Education, for the last three years:


The national default rate averages for community colleges (2-3 year public):

FY 2016          15.9%
FY 2015          16.7%
FY 2014          18.3%

Inceptia Is NOVA's Partner for Assisting Borrowers

You’re not alone when it comes to student loans. NOVA has partnered with Inceptia, a division of the National Student Loan Program (NSLP), to provide you with FREE assistance on your Federal student loan obligations to ensure successful, and comfortable, loan repayment. Inceptia’s friendly customer representatives may reach out to you if your loan(s) become delinquent. Inceptia is not a collection agency. We’ve partnered with them to help you explore a wide variety of possibilities such as alternative repayment plans, deferment, consolidation, discharge, forgiveness, and forbearance options. Inceptia will stay in touch with you via phone calls, letters, and/or emails to help you find answers to your questions and solutions to your issues. For additional resources including information on repayment options, please visit Inceptia’s Federal Student Loan Overview website at Inceptia.org/FAQ.