FORWARD Loan Program
The Future Occupations & Reskilling Workforce Advancement to Reach Demand (FORWARD) loan program offers low-interest state loans to help students in eligible programs finish in two years or less with manageable student debt.
The program's goal is to get you into a career whose earnings can help you repay your loan within 10 years.
What programs qualify for a FORWARD loan?
The following programs are eligible for FORWARD loans.
Program Code | Program Name | Program Type | Category |
---|---|---|---|
AVIA.D003.UG | Aviation Maintenance Technology: Powerplant | Associate of Applied Science | Energy |
AVIA.T002.UG | Aviation Maintenance Technology: Powerplant | Certificate 2 | Energy |
ELPT.T001.UG | Electrician Helper | Certificate 1 | Energy |
ENGY.D001.UG | Electronics Technology: Advanced Energy Technician | Associate of Applied Science | Energy |
ENGY.T001.UG | Renewable Energy Technology | Certificate 1 | Energy |
LNWK.D001.UG | Electrical Line Technician | Associate of Applied Science | Energy |
LNWK.T001.UG | Ground Technician | Certificate 1 | Energy |
LNWK.T002.UG | Line Technician | Certificate 2 | Energy |
NURS.T001.UG | Vocational Nursing | Certificate 2 | Nursing & Patient Care |
PTCT.T001.UG | Patient Care Technician | Certificate 1 | Nursing & Patient Care |
AFOS.F015.UG | Nursing Field of Study | Field of Study | Nursing & Patient Care |
AATE.D003.UG | Associate of Arts in Teaching: Early Childhood through Grade 6 | Associate of Arts in Teaching | Teaching |
AATE.D005.UG | Associate of Arts in Teaching: Grades 4-8 and Early Childhood through Grade 12 Special Education | Associate of Arts in Teaching | Teaching |
AATE.D004.UG | Associate of Arts in Teaching: Grades 8-12 and Early Childhood through Grade 12 Other than Special Education | Associate of Arts in Teaching | Teaching |
ITGM.D001.UG | Information Technology: Game, Simulation, and Animation Design | Associate of Applied Science | Technology |
ITGM.T003.UG | Information Technology: Animation for Game and Simulation | Certificate 1 | Technology |
ITGM.T001.UG | Information Technology: Game and Simulation Programming I | Certificate 1 | Technology |
ITGM.T002.UG | Information Technology: Game and Simulation Programming II | Certificate 2 | Technology |
ITWB.D001.UG | Information Technology: Web Applications Programming | Associate of Applied Science | Technology |
ITWB.T001.UG | Information Technology: Web Applications Programming I | Certificate 1 | Technology |
ITWB.T002.UG | Information Technology: Web Applications Programming II | Certificate 2 | Technology |
ITPG.D001.UG | Information Technology: Programming | Associate of Applied Science | Technology |
ITPG.T001.UG | Information Technology: Programming I | Certificate 1 | Technology |
ITPG.T002.UG | Information Technology: Programming II | Certificate 2 | Technology |
CSSC.T002.UG | Information Technology: Computer Support Specialist (Customer Service/Call Center/Teleservice Operations) | Certificate 1 | Technology |
ITCL.D001.UG | Information Technology: Cloud Computing | Associate of Applied Science | Technology |
ITCL.T001.UG | Information Technology: Cloud Computing I | Certificate 1 | Technology |
INMT.D003.UG | Industrial Technician | Associate of Applied Science | Technology |
INMT.T005.UG | Industrial Technician I | Certificate 1 | Technology |
INMT.T006.UG | Industrial Technician II | Certificate 2 | Technology |
ITNS.T002.UG | Information Technology: Information Technology Support | Certificate 1 | Technology |
CMFT.D001.UG | Computer-Aided Drafting and Design Technology: Manufacturing Technology | Associate of Applied Science | Technology |
CMFT.T001.UG | Manufacturing Technology | Certificate 2 | Technology |
EROB.D001.UG | Electronics Technology: Robotics and Automation | Associate of Applied Science | Technology |
ETCM.T001.UG | Electronics Technology | Certificate 1 | Technology |
EROB.T001.UG | Mechatronics Technology | Certificate 1 | Technology |
ITNS.D001.UG | Information Technology: Network Support | Associate of Applied Science | Technology |
ITNS.T001.UG | Information Technology: Cisco Support | Certificate 1 | Technology |
ITNS.T003.UG | Information Technology: Network Support | Certificate 2 | Technology |
ENVI.D003.UG | Occupational Safety and Environmental Technology | Associate of Applied Science | Technology |
NDTE.D001.UG | Nondestructive Inspection, Testing and Evaluation | Associate of Applied Science | Technology |
AUTS.D001.UG | Automotive Service Technology | Associate of Applied Science | Transportation & Logistics |
AUTS.T003.UG | General Service Technician | Occupational Skills Award | Transportation & Logistics |
AUTS.T001.UG | Engine Analysis Technician | Certificate 1 | Transportation & Logistics |
AUTS.T002.UG | Heavy Line Technician | Certificate 1 | Transportation & Logistics |
AUTS.D002.UG | Automotive Service Technology: Toyota Technician Education Network | Associate of Applied Science | Transportation & Logistics |
AUTS.T004.UG | Toyota General Service Technician | Certificate 1 | Transportation & Logistics |
AUTS.T005.UG | Toyota Service Technician | Certificate 2 | Transportation & Logistics |
BMNG.D001.UG | Business Administration: Management | Associate of Applied Science | Transportation & Logistics |
BMNG.T001.UG | Management I | Certificate 1 | Transportation & Logistics |
BMNG.T002.UG | Management II | Certificate 2 | Transportation & Logistics |
CONS.D003.UG | Construction Management Technology | Associate of Applied Science | Transportation & Logistics |
CONS.T004.UG | Construction Inspection Technician | Certificate 1 | Transportation & Logistics |
CONS.T008.UG | Construction Management Technology | Certificate 1 | Transportation & Logistics |
DEMR.T001.UG | Diesel Technician | Certificate 1 | Transportation & Logistics |
LOGI.D002.UG | Logistics and Supply Chain Management | Associate of Applied Science | Transportation & Logistics |
LOGI.T003.UG | Warehouse Management | Certificate 1 | Transportation & Logistics |
LOGI.T001.UG | Transportation Management | Certificate 1 | Transportation & Logistics |
Am I eligible for a FORWARD loan?
To be eligible for a FORWARD loan, you must:
- Be a Texas resident
- Be registered with Selective Service, or be exempt
- Meet TCC's satisfactory academic progress (SAP) requirements
- Receive a favorable credit evaluation or provide a cosigner who has good credit standing and meets other requirements
- Not exceed the manageable loan debt calculated by the Texas Higher Education Coordinating
Board
- Learn more about manageable student debt.
- Be enrolled in an eligible program
- If you're enrolled in a degree program, you must have completed at least 50% of the required coursework prior to receiving a FORWARD loan.
- If you're enrolled in a non-degree program, the program's duration must be less than two years.
Eligibility for the program ends two years from the start of the semester in which you received your first FORWARD loan payment.
How do I apply for a FORWARD loan?
Visit the Texas Higher Education Coordinating Board (THECB) website to learn how to apply for a FORWARD loan.
When will my FORWARD loan be disbursed?
Your Loan Consummation Disclosure, which you'll receive from HHLoans, will provide an estimated disbursement date.
The earliest that funds can be disbursed is 11 business days after you've been mailed your Loan Consummation Disclosure.
Is there a limit on how much I can borrow?
TCC encourages you to borrow only what you need to help cover your education expenses. This helps avoid building up a significant amount of student loan debt.
You may borrow up to the full cost of attendance, minus financial aid you're eligible for (including amounts not yet accepted).
What is the interest rate for a FORWARD loan?
Interest will start accruing on your loan from the first date of disbursement.
Interest is a fixed annual rate of 3.35% and is not capitalized.
When do I repay my FORWARD loan?
You have a six-month grace period for loan repayment beginning the date you cease to be enrolled at least half-time at TCC.
Monthly payments are calculated annually based on income, the monthly accrued interest on your FORWARD loan, and cumulative outstanding student loan principal balance.
Learn more about FORWARD loan repayment.
Questions?
If you've received a FORWARD loan and have questions, contact the HHLoan Borrower Services.
For other questions, contact Student Financial Aid Services.
Updated May 14, 2024