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Eligibility
Who May Apply(by category): Individuals
Who May Apply(specifically): Eligible applicants are individuals who are new borrowers with an eligible loan, have earned either an associate's or bachelor's degree in early childhood education or child care, and have worked full-time for at least two full consecutive years as child care providers at a facility providing child care services to low-income communities. A new borrower is an individual who had no outstanding balance on any Direct Loan or FFEL Program loan, including PLUS and Consolidation loans (a) on Oct. 7, 1998 or (b) on the date the borrower obtains any Direct or FFEL Program loan after Oct. 7, 1998. An eligible loan is a loan made to a new borrower for the purpose of completing the borrower's degree in early childhood education or child care under the Subsidized and Unsubsidized Federal Stafford Loan, Subsidized and Unsubsidized Federal Direct Loan Program (but not including PLUS and Consolidation loans).
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