For academic year of 2025-2026, students with a high SAI or not enough financial aid to cover their tuition costs will be offered a federal direct loan in their financial aid package. There are three options that you must complete after you are offered the loan. On your CUNYFirst account you must accept, reduce or decline the award. If you are unsure about borrowing a federal direct loan view this video to help you decide click here

1. Login to your CUNYfirst account. Instructions to apply for a loan click here 

2. For questions about your loans send an email to the loan team at loanunit@bcc.cuny.edu

3. Loan servicer contact information click here 

4. To complete online entrance or exit counseling click here 

5. How to complete entrance counseling video click here 

6. How to complete exit counseling video click here 

5. Current Interest Rates for Direct Loans click here 

6. Tips to help avoid default payments video click here 

7. If you need an additional loan, to make any changes, or to cancel an existing loan prior to disbursement, please come to the financial aid office.