You may qualify for student loans. They are a serious financial obligation and must be repaid. Be sure to look for other forms of financial aid that don't have to be paid back, like grants, scholarships or student employment before accepting loans.

SPC does not offer Federal Perkins Loans.

St. Petersburg College provides FREE, easy-to-use loan management and planning tools so you can afford to finish your education without accumulating a pile of debt. Our best advice is:

  • Don't borrow if you don't have to
  • If you need to borrow, borrow only what you need
  • Stay in contact with your student loan service provider to stay on top of what you owe
  • On-time repayment will help you establish a good credit rating so be sure to explore your repayment options

SPC encourages you to review all information about loans before deciding to borrow and to borrow only what you need. Loan default is a serious consequence for not repaying your loans.

  • Student Loan Repayment

    Student Loan Repayment

    Student loan borrowers - interest started accruing again in September and repayment began in October. Visit for details about your next steps.

Available loans at SPC include the following. Please note that federal loan terms and conditions are generally more favorable than private loans.

Student Loan Payments have resumed!

Student loan payments resumed in October! Go to the Resumption of Repayment tab on Student Loan Repayment for more information.


For assistance with your student loans, contact IonTuitionTM by logging into the IonTuitionTM portal or calling 855-693-4932.SPC partners with IonTuitionTM to assist our student loan borrowers with successful repayment, even if they are already in default. This is a free service to SPC students.

Federal Direct Loans

Federal Direct Loans, from the William D. Ford Federal Direct Loan Program, are low-interest loans for eligible students to help cover the cost of higher education.

Federal Direct PLUS Loans

Parent PLUS (Parent Loan for Undergraduate Students) Loans are available that enable birth, adoptive, or step-parents of dependent undergraduate students to borrow.

Private Loans

A private loan is a last resort and is not recommended. Be sure you have exhausted all other federal loan options before taking out a private loan for school.

Loans Overview

Master Promissory Note

Military Service Benefits