Requirements for Borrowers at TCC

To receive any loan a student must be enrolled for at least six eligible credit hours as a degree-seeking student and meet the financial aid satisfactory progress requirements.

First time in College

Federal Regulations require TCC to delay payment of Federal Stafford loans to first-time borrowers by 30 days from the start of class. New students should note this delay in payment and make appropriate financial arrangements.

Entrance/Exit Counseling

All borrowers must complete Entrance Counseling each Academic year prior to TCC crediting the first Stafford Loan at TCC to the student's account, even if the student completed Entrance Counseling at another institution. Students may complete their Entrance counseling at

All borrowers must complete their Master Promissory Note (MPN) and Entrance Counseling each Academic year before funds may be used to defer tuition and fees.  Students can complete their MPN at

Prior to leaving TCC, Direct Loan borrowers are required to undergo Exit Counseling at All graduates and students not returning to TCC should contact the Financial Aid Office to obtain the appropriate paperwork for this process.

Financial Literacy

First-Time Borrowers are required to complete a Financial Literacy Requirement prior to disbursement of their Student Loan funds. The Financial Literacy can be completed online at

  1. Once you are in the website click “Get Started” arrow at the bottom of the page.
  2. Select your school and click “Continue”
  3. Select the “Financial Literacy” workshop and click “Begin Exam” button.

At the end of the workshop you will be asked for specific information which will be used to notify the Financial Aid Office that you have completed this training. A confirmation page will be generated for your records.

Please allow 24-48 hours for all completions to be sent to the school. If you have any questions, please call the Financial Aid Office at (850) 201-8399. 

Other Important Requirements

Students are encouraged to review their degree audit to determine if classes are part of their degree requirements. Degree audits may be viewed on TCC Passport under the "My Success" Tab.

Students who attend multiple sessions within a semester cannot receive their loans until they are attending at least 6 eligible credit hours. Students may be enrolled in 6 or more credit hours, but the loans cannot be paid until the student has verified attendance in 6 credit hours.

Class attendance must be verified before any loans can be disbursed.