Loans are funds for college that you must repay after you graduate. Students are encouraged to apply for all other forms of financial aid – scholarships, grants and work-study programs – before taking out loans.

Direct Loan Application Deadlines

Semester Deadline
Fall 2015 Nov. 2, 2015
Spring 2016 April 1, 2016
Summer 2016 July, 1 2016

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Inceptia Partnership

College of the Mainland has partnered with Inceptia, a division of National Student Loan Program (NSLP), to provide you with FREE assistance on your Federal student loan obligations to ensure successful, and comfortable, loan repayment.

Inceptia’s friendly customer representatives may reach out to you during your grace period to answer questions you have about your loan obligation and/or repayment options. They may also contact you if your loan(s) become delinquent. Inceptia is not a collection agency.

We’ve partnered with them to help you explore a wide variety of possibilities such as alternative repayment plans, deferment, consolidation, discharge, forgiveness, and forbearance options. Inceptia will stay in touch with you via phone calls, letters, and/or emails to help you find answers to your questions and solutions to your issues.

For additional resources including information on repayment options, please visit Inceptia’s Federal Student Loan Overview website at

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