Federal Direct Loan Request Form

If you need assistance with this form, contact Mid Michigan College Financial Aid at (989) 386-6664 or finaid@midmich.edu.

Student Name*

Phone Number*

Mid Michigan College Student ID*

You can find your Student ID Number on your Mid Michigan College Student ID Card or in myMid.

Enter your Mid Mich Email*

You MUST provide a Mid Mich Email so that we can verify your identity. Other emails will not be accepted and you will be unable to complete this form.

ERROR The email you entered is not a Mid Mich Email. In order to complete this form, you must enter a Mid Mich Email so we can verify your identity.

Re-enter your Mid Mich Email, click 'Verify Email', and follow the directions.*

Before you complete this form

File the 2026-2027 FAFSA
Be registered for courses at Mid Michigan College

If you are a First-Time Borrower

Complete the Federal Direct Loan Entrance Counseling & Master Promissory Note at studentaid.gov.

Maximum Subsidized Federal Direct Loan Amounts*

Freshman Level Student $3,500
- 0-29 units completed in Program of Study
Sophomore Level Student $4,500
- 30+ units completed in Program of Study

*Subsidized loans do not accrue interest while you attend college.

Maximum Additional Unsubsidized Federal Direct Loan Amounts**

Dependent Students $2,000
Independent Students $6,000

**Unsubsidized loans accrue interest while you attend college.

Aggregate Annual Borrowing Limits***

First-Year Dependent Student $5,500
Second-Year Dependent Student $6,500

First-Year Independent Student $9,500
Second Year Independent Student $10,500

***This is the total annual amount, including subsidized and unsubsidized loans, that a student can borrow in an academic year.

Important Change

The One Big Beautiful Bill Act (H.R.1), signed into law July 4, 2025, brings significant changes that affect all students. These important changes take effect July 1, 2026.

Most notably, for Federal Direct Loans in the 2026-2027 school year, colleges are required to prorate annual loan limits in direct proportion to each student's percentage of full-time enrollment.

This means that any adjustments to your enrollment status—such as dropping or withdrawing from courses—directly affect your eligibility for Direct Loans. These changes apply to both academic terms and may have a substantial impact on your financial aid.

If you have relied heavily on loans to cover your direct or indirect educational costs, you may need to consider alternative payment options to meet your financial obligations.

I confirm that I acknowledge and understand the federal direct loan limits and changes as outlined above.

2025-20262026-2027

Winter 2026Summer 2026

Enter the loan amount you wish to use during the Winter 2026 semester.*

Enter the loan amount you wish to use during the Summer 2026 semester.*

Enter the total loan amount you are requesting for the 2026-2027 academic year.*

Note: A loan fee of 1.057% is assessed, resulting in a lesser amount being disbursed to your account.

Enter the total number of credit hours you are registering for in the Fall 2026 semester.*

Enter the total number of credit hours you plan on registering for in the Winter 2027 semester.*

YesNo

I understand that the requested loan amount may not be approved due to proration or eligibility requirements. Additionally, I recognize that any changes to my enrollment—such as adding, dropping, or withdrawing from courses—impact my total loan amount for the academic year, and I am responsible for any amount due.

Signature*

Date*

MonthDayYear

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Federal Direct Loan Request Form

Acknowledge Loan Limits & Changes

Federal Direct Loan Request Details