Alternative/Private Loans
JCC recommends that a student’s first step is to apply for federal and state financial aid by completing the Free Application for Federal Student Aid (FAFSA) at studentaid.gov. Alternative loans are recommended only as a last resort.
What You Need to Know
Research lenders carefully — JCC does not maintain a preferred lender list.
Visit the Private Student Loans page or FinAid.org for help evaluating options.Verify each lender’s requirements for
Credit hours
GPA
Satisfactory academic progress,
Credit rating
Co-signer policies.
After your lender requests certification, JCC will certify your loan up to your cost of attendance minus other aid received.
JCC is not responsible for lender timelines or customer service.
Your lender should provide this form. If not, you can download a copy of the PDF.
You’ll need:
Other Awarded Financial Aid info: Log in to Jaguar Portal Guard → Self-Service → Financial Aid Self-Service.
Budget Information
| Cost of Attendance Dependent / Independent |
Enrollment Period | Enrollment Period |
| $17,625 / $26,134 | Fall 2025 and Spring 2026 | 08/15/2025 - 05/11/2026 |
| $8,812 / $13,067 | Fall 2025 ONLY | 08/15/2025 - 12/11/2025 |
| $8,812 / $13,067 | Spring 2026 ONLY | 01/12/2026 - 05/11/2026 |
| $5,430 / $8,131 | Summer 2026 ONLY | 05/20/2026 - 07/29/2026 |
Disbursements: For two-semester loans, funds are split in half per semester
Tuition, fees, and books may be charged against your loan if processed and approved before the payment deadlines.
Cancellation period: Federal law gives you 3 business days after receiving the Loan Consummation Disclosure Statement to cancel your private loan.
Need to Know More?
