Disbursement Policies and Federal Regulations

Policies and federal regulations impacting eligibility and the timing of the disbursement of financial aid funds.


If you have an accepted financial aid award that covers your balance due and no outstanding requirements prior to the payment deadline each semester, your enrollment will be protected from the non-payment drop. Book advances are available for an extended period of time to assist with books and supplies. Review the following policies and federal regulations which could affect the timing of disbursement and be prepared for possible refund delays.

30-day Delay Policy

If you are a first-year, first-time Federal Direct Loan borrower, those loan funds will begin disbursing 30 days after the start of class. The waiting period begins on the first day of the semester.

Courses in Program of Study Regulation

Courses taken outside your program of study, as required based on your DegreeCheck audit, are not eligible for Federal Student Aid.

Financial Aid Repeat Coursework Policy

Repeat courses may reduce or eliminate some or all of your awarded Federal Student Aid. Federal Regulations allow us to pay federal student aid funds for a class only if you are repeating it for the first time. After that, we cannot pay federal student aid funds for that same class.

Please view more information on our Financial Aid Repeat Coursework Process.

Single Semester Loan Regulation

If you take out a loan for one semester only, the Federal Direct Loan and/or a PLUS Loan will be disbursed in two equal installments during that semester. One half of the funds are disbursed after the first applicable disbursement of the semester and the remaining half at the mid-point of the semester.

Transfer Monitoring Regulation

JCCC is required to monitor students through the National Student Loan Data System (NSLDS) database. Once a student has been added to the monitoring list, we must wait seven (7) days until we can disburse their financial aid funds. This monitoring must occur, even if you did not receive financial aid at any other school. There is no action needed by you (the student) during this process. You are not eligible to receive any federal student aid until this process is complete. 

This monitoring hold is required to ensure your federal student aid history is updated between the U.S. Department of Education, JCCC, and your prior University or College (if applicable).