To determine financial need, students must first apply for financial aid. Many students/families mistakenly think they do not qualify for aid. There are a few sources of aid, such as Unsubsidized and PLUS loans that are available regardless of need. See steps below to get started.

Step 1: Apply for Admission!

The first step is applying for admission to Cape Fear Community College (CFCC). If you have already applied skip to Step 2.

If you have applied to or attended CFCC during the past year, you do not need to complete another application.  Doing so will negatively affect your current records. If you are unsure about your last term of enrollment, contact Admissions at 910-362-7557.

Step 2: Apply for Financial Aid.

Visit and click the “Start a New FAFSA Here” button.  Log in and select “2018-19 for Fall“.  (Please note: If you are applying for financial aid for Spring 2019, please complete the 2018-19 FAFSA.) Enter the student information.  Once you hit “Next” at the bottom of the screen, click FSA ID STATUS.  This is where you will create your FSA ID and Password.   If you are a dependent student, your parent will need a FSA ID and Password too.  This process take some time to complete.  Please make sure that you have a pen and paper handy to write down security questions/answers.  Next, go to Select the appropriate school year. Please see the info and aid tools tab below for more information. CFCC will contact you via your CFCC email, typically within 7-10 business days. You will either receive an award letter, or a letter requesting more documents.

If you wish to apply for a student or parent loan, you must first complete the FAFSA and then complete the paperwork located under the Programs tab below.

News, Links, and Financial Aid Tools

General Information

News & Announcements

Graduating from CFCC?  Did you borrow student loans and have questions? Need help completing the required Exit Counseling? Please call our office for an appointment.

It is strongly recommended that applicants submit a Free Application for Federal Student Aid (FAFSA) by June 30 and submit all requested supporting and loan application documents by July 15 for Fall 2018 financial aid consideration. We will continue to review and process applications received after the above dates but will not guarantee that aid will be finalized in time to avoid your having to pay out of pocket for tuition and fees and books and supplies. Please check your CFCC email account for updates on the status of your financial aid application.

The student is responsible for all charges in the absence of a financial aid award. Payment can be made by cash, check, debit card, MasterCard, VISA, American Express and Discover. Web Advisor is available for making payments by debit and credit cards. Students may also enroll in the automatic monthly Tuition Payment Plan provided by Nelnet Business Solutions. To learn more about the Tuition Payment Plan, please visit Make appropriate arrangements to pay to avoid having your schedule of classes canceled.

Fall Loan Information

Loan Information

Direct Stafford Loan Forms

2019-20 Federal Direct Parent Loan Forms

 Alternative Loans

If you are unsure who holds your loan(s) and need help identifying your lender, servicer and/or guarantor, use the National Student Loan Data System (NSLDS) Student Access site to retrieve your loan information, including outstanding balances and statuses. You may also contact them by phone at 800-4-FED-AID (800.433.3243)

Loan Information

Federal Direct Student Loan Program

New Federal Regulation Limits Subsidized Loan Eligibility – A Federal Direct Loan borrower receiving his or her first loan on or after July 1, 2013, or a previous Direct or Federal Family Education Loan borrower who has repaid in full, is eligible for a subsidized Direct Loan for a maximum of 150% of the length of the academic program (certificate, diploma, degree) in which he is enrolled.  For example, a borrower will be limited to receiving subsidized loans for 3 years if enrolled in a 2-year program.  Borrowers reaching this limit can receive only unsubsidized loans if all other eligibility criteria are met.  Additionally, borrowers who reach the 150% limit will lose the interest subsidy on all outstanding subsidized loans.

Financial Aid Eligibility/Refunds and 2nd Mini Session Registration

Students attending the full 16-week fall session and/or the first mini session are allowed to register for 2nd mini session classes during the first eight days of the full 16-week semester. The classes in which students enroll during this period of time will qualify for financial aid if the student is otherwise eligible. Students attending ONLY 2nd mini session classes can register for the 2nd mini session up to the day before the 2nd mini session begins to qualify for financial aid if the student is otherwise eligible. Students enrolled in the second mini session will not receive the financial aid associated with those credits until approximately four weeks after the start date of the second mini session. Click here for more details


New Loan Disbursement Rules Take Effect with the Spring 2014 Semester

Beginning with Spring 2014 and the foreseeable future, one-semester-only loans will be paid to students in two equal disbursements.  For example, a student requests a Federal Direct Stafford Loan in the amount of $1750 to be received in the spring semester only. The second half of the loan, or $875, cannot be disbursed any earlier than the mid-point of the semester, which falls on March 7. This second disbursement will not be made to students who are no longer in attendance on March 7.

Because 18% of former CFCC loan borrowers have failed to repay their student loans, U.S. Department of Education mandates that disbursements to current students be made as described above.

Mailing of the Refund Checks

Checks are mailed via the United States Postal Service. Please allow 2 to 3 business days, at a minimum, for your check to arrive at the address that we have on file for you.


FSA Student Loan Ombudsman Office

As most of you know, schools are required to provide, through various consumer information requirements, the FSA Ombudsman Office contact information and availability to student loan borrowers.  Effective February 28, 2016, please use the following information to contact the FSA Student Loan Ombudsman Group.

Via on-line assistance:

Via telephone:  1-877-557-2575

Via fax:  1-606-396-4821

Via mail:  FSA Ombudsman Group

P.O. Box 1843

Monticello, KY 42633


Info & Aid Tools

Applying for Financial Aid

Financial Aid Tools

CashCourse   To manage your money and allow you to plan for your future, check out CashCourse!

Federal Student Aid This federal website explains how to complete the FAFSA and the purpose of the FAFSA questions.

Sample Loan Repayment Chart 

CFNC Financial Literacy Information  To begin exploring financial literacy tools and become acquainted with Money Management Great Lakes offers many webcasts on various Financial Aid questions. Attend a live session, and have your questions answered, or watch an on-demand session at your convenience.



Progression Standards

Progression Standards

If a satisfactory academic appeal is approved, the student regains financial aid eligibility for one probationary semester.  During the probationary semester and all subsequent semesters, the student must achieve a 75% completion rate and maintain a term GPA of 2.0.  Failure to do so will result in suspension of financial aid eligibility after which the student will regain eligibility ONLY by taking a minimum of 6 credits, without benefit of financial aid, until s/he is in compliance with all components of the CFCC satisfactory academic progress policy for Continued on Appeal status (75% completion rate and 2.0 minimum term GPA).  Courses which the student retakes will not be included in the determination of Continued of Appeal status.  The classes in which a student registers to regain eligibility must be required for program completion.

Types of Financial Aid

Important Dates

Fall 2019

  • Aug. 12 - Students may begin charging in the bookstore
  • Aug. 15 - Final registration
  • Aug. 16 - Classes begin - full semester and 1st mini session
  • Aug. 21 - Last day for 75% refund — 1st mini session
  • Aug. 26 - Last day for 75% refund — full semester
  • Sept. 6 - Last day to charge books
  • Sept. 20 - Financial aid checks mailed (full and 1st mini session)
  • Oct. 4 - Financial aid checks mailed (12-week session)
  • Oct. 11 - Financial aid checks mailed for 2nd disbursement of fall only full session
  • Oct. 14 - Students may charge books for 2nd mini session
  • Oct. 15 - Classes begin – 2nd mini session
  • Oct. 18 - Last day to charge books for the 2nd mini session
  • Oct. 20 - Last day for 75% refund – 2nd mini session
  • Nov. 15 - Financial aid checks mailed for 2nd disbursement of fall 2nd mini session only loans

Email Correspondence

  • Student correspondence from the Financial Aid Office is sent via e-mail.
  • Students should check their CFCC e-mail accounts frequently for important information from the Financial Aid Office, including documents required to complete the application process and award notices.
  • New applicants should allow 4 business days in the creation of a CFCC email account.
  • Students can elect to receive paper copies in addition to electronic correspondence by indicating that preference on Web Advisor by clicking on “Financial Aid Correspondence Option”.