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IPEDS ID: 240666
OPE ID: 00393000
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Northern Wyoming Community College District
1 Whitney Way, Sheridan, Wyoming 82801
General information:  (307) 675-0505 x0
Website:  www.sheridan.edu/
Type:  2-year, Public
Awards offered:  Less than one year certificate
One but less than two years certificate
Associate's degree
Campus setting:  Town: Remote
Campus housing:  Yes
Student population:  3,596 (all undergraduate)
Student-to-faculty ratio:  17 to 1
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open-close General Information
Admissionswww.sheridan.edu/admissions/
Apply Onlinewww.sheridan.edu/admissions/degree
Financial Aidwww.sheridan.edu/admissions/financial-aid/
Net Price Calculatorsheridan.studentaidcalculator.com/survey.aspx
Tuition Policies for Servicemembers and Veteranswww.sheridan.edu/services/veteran-services/veteran-benefits/
Disability Serviceswww.sheridan.edu/services/disability-services/
Athletic Graduation Rateswww.sheridan.edu/about/consumer-information/
Mission Statement
  NWCCD welcomes all learners, empowers student success, encourages and strengthens community development.
Special Learning Opportunities
Distance education – undergraduate programs offered
Weekend/evening college
Undergraduate research (co-curricula)
Teacher certification (below the postsecondary level)
Student Services
Academic/career counseling service
Employment services for students
Undergraduate students enrolled who are formally registered with office of disability services
3% or less
Carnegie Classification
Associate's Colleges: Mixed Transfer/Career & Technical-High Nontraditional
Religious Affiliation
Not applicable
Federal Aid
Eligible students may receive Pell Grants and other federal aid (e.g. Direct Loans).
For-credit instruction programs offered
Occupational
Academic
Recreational or avocational (leisure) programs
Remedial
Noncredit education offered
Workforce Education
Contract Training/Customized Training
Recreational/Avocational/Leisure/Personal Enrichment
Adult Basic Education
English as a Second Language
Continuing Professional Education
Credit Accepted
Dual credit
Credit for life experiences
Advanced placement (AP) credits
Faculty by primary function, Fall 2022Full timePart time
Total faculty88116
Instructional88116
Research and public service00
open-close Tuition, Fees, and Estimated Student Expenses
Estimated Expenses for Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Estimated expenses for academic year2019-20202020-20212021-20222022-2023% change 2021-2022 to 2022-2023
Tuition and fees
In-state$4,170$4,290$4,590$4,8305.2%
Out-of-state$10,110$10,230$10,890$11,1302.2%
Books and supplies$1,400$1,400$1,400$1,80028.6%
Living arrangement
On Campus
Room and board$7,672$7,726$7,708$7,434-3.6%
Other$2,107$2,054$1,981$2,0905.5%
Off Campus
Room and board$10,440$10,323$10,775$11,5387.1%
Other$2,705$2,564$2,496$2,6355.6%
Off Campus with Family
Other$2,705$2,564$2,496$2,6355.6%
Total Expenses2019-20202020-20212021-20222022-2023% change 2021-2022 to 2022-2023
In-state
On Campus$15,349$15,470$15,679$16,1543.0%
Off Campus$18,715$18,577$19,261$20,8038.0%
Off Campus with Family$8,275$8,254$8,486$9,2659.2%
Out-of-state
On Campus$21,289$21,410$21,979$22,4542.2%
Off Campus$24,655$24,517$25,561$27,1036.0%
Off Campus with Family$14,215$14,194$14,786$15,5655.3%
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This calculator uses estimated student expenses data to estimate the total tuition and fees charged over the duration of a typical 2-year program at this school.
1. Select starting academic year
2. Select tuition inflation rate
 
 
% (0-100 allowed)
  • The output is only an estimate and not a guarantee of the actual amount the student may be charged; it is not binding on the Secretary, the institution of higher education, or the State; and it may change, subject to the availability of financial assistance, State appropriations, and other factors. The student must complete the Free Application for Federal Student Aid (FAFSA) to be eligible for, and receive, an actual financial aid award that includes federal grant, loan, or work-study assistance.
  • The estimated price does not include room and board, books and supplies, &c. (where applicable) and is based on previous years' tuition and fees data. Tuition and fees may vary by program. Please contact this institution for detailed price information.
  • Estimated yearly tuition and fees may not sum to totals because of rounding.
Estimate the total tuition and fee costs over the duration of a typical program.
 Multiyear Tuition Calculator
Alternative Tuition Plans and Promise Program
Type of PlanOffered
Tuition guarantee plan
Prepaid tuition plan
Tuition payment planX
Other alternative tuition plan
  • Participates in a Promise program
open-close Financial Aid
Undergraduate Student Financial Aid, 2021-2022
Full-time Beginning Undergraduate Students
  • Beginning students are those who are entering postsecondary education for the first time.
Type of AidNumber awarded aidPercent awarded aidTotal amount of aid awardedAverage amount of aid awarded
Any student financial aid1425100%————
Grant or scholarship aid425100%$2,759,868$6,494
Federal grants42299%$1,559,658$3,696
Pell grants16539%$772,808$4,684
Other federal grants41798%$786,850$1,887
State/local government grant or scholarships20147%$458,929$2,283
Institutional grants or scholarships23254%$741,281$3,195
Student loan aid10825%$456,964$4,231
Federal student loans10825%$434,672$4,025
Other student loans(*)1%(*)(*)
  • 1 Includes students awarded Federal work study aid and aid from other sources not listed above.
  • (*) Number awarded aid and total and average amounts of aid awarded are withheld to preserve the privacy of individuals.
All Undergraduate Students
Type of AidNumber awarded aidPercent awarded aidTotal amount of aid awardedAverage amount of aid awarded
Degree/certificate-seeking
Grant or scholarship aid11,65098%$8,593,010$5,208
Pell grants62937%$2,521,441$4,009
Federal student loans44426%$2,212,923$4,984
Non-degree/non-certificate-seeking
Grant or scholarship aid147121%$575,438$1,222
  • 1 Grant or scholarship aid includes aid awarded, from the federal government, state or local government, the institution, and other sources known by the institution.

  • For more information on Student Financial Assistance Programs or to apply for financial aid via the web, visit Federal Student Aid.
open-close Net Price
Average Net Price for Full-Time Beginning Students
Full-time beginning undergraduate students who paid the in-state or in-district tuition rate and were awarded grant or scholarship aid from federal, state or local governments, or the institution.
2019-20202020-20212021-2022
Average net price$8,642$8,562$9,209
Full-time beginning undergraduate students who paid the in-state or in-district tuition rate and were awarded Title IV aid by income.
Average net price by Income2019-20202020-20212021-2022
$0 – $30,000$9,000$7,203$7,538
$30,001 – $48,000$9,575$5,920$7,929
$48,001 – $75,000$12,192$10,236$9,257
$75,001 – $110,000$14,209$10,710$12,138
$110,001 and more$14,424$13,216$13,198
  • Average net price is generated by subtracting the average amount of federal, state/local government, or institutional grant or scholarship aid from the total cost of attendance. Total cost of attendance is the sum of published tuition and required fees (lower of in-district or in-state), books and supplies, and the weighted average for room and board and other expenses.
  • Beginning students are those who are entering postsecondary education for the first time.
  • Title IV aid to students includes grant aid, work study aid, and loan aid. These include: Federal Pell Grant, Federal Supplemental Educational Opportunity Grant (FSEOG), Academic Competitiveness Grant (ACG), National Science and Mathematics Access to Retain Talent Grant (National SMART Grant), Teacher Education Assistance for College and Higher Education (TEACH) Grant, Federal Work-Study, Federal Perkins Loan, Subsidized Direct or FFEL Stafford Loan, and Unsubsidized Direct or FFEL Stafford Loan. For those Title IV recipients, net price is reported by income category and includes students awarded federal aid even if none of that aid was provided in the form of grants. While Title IV status defines the cohort of student for which the data are reported, the definition of net price remains the same – total cost of attendance minus grant aid.
Net Price Calculator
An institution’s net price calculator allows current and prospective students, families, and other consumers to estimate the net price of attending that institution for a particular student.
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open-close Enrollment
Fall 2022
Total enrollment (all undergraduate)3,596
Undergraduate transfer-in enrollment177
Attendance StatusStudent Gender
Attendance Status: Full-time: 35% Part-time: 65%Student Gender: Male: 46% Female: 54%
Student Race/ethnicity
Student Race/ethnicity: American Indian or Alaska Native: 2% Asian: 1% Black or African American: 1% Hispanic/Latino: 10% Native Hawaiian or other Pacific Islander: 0% White: 83% Two or more races: 3% Race/ethnicity unknown: 1% U.S. Nonresident: 0%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age: 24 and under: 72% 25 and over: 28% Age unknown: 0%Undergraduate Student Residence: In-state: 84% Out-of-state: 16% Foreign countries: 0% Unknown: 0%
  • Age data are reported for Fall 2021.
  • Residence data are reported for first-time degree/certificate-seeking undergraduates.
Undergraduate Distance Education Status
Undergraduate Enrollment by Distance Education Status: Enrolled exclusively in distance education courses: 16% Enrolled in some, but not all, distance education courses: 28% Not enrolled in any distance education courses: 57%
open-close Admissions
  • This institution has an open admission policy. Contact the institution for more information.
open-close Retention and Graduation Rates
First-to-Second Year Retention Rates

Retention rates measure the percentage of first-time students who return to the institution to continue their studies the following fall.

Retention Rates for First-Time Students
Student retention: Full-time students: 61% Part-time students: 30%
Percentage of Students Who Began Their Studies in Fall 2021 and Returned in Fall 2022
Overall Graduation Rate and Transfer-Out Rate

The overall graduation rate is also known as the "Student Right to Know" or IPEDS graduation rate. It tracks the progress of students who began their studies as full-time, first-time degree- or certificate-seeking students to see if they complete a degree or other award such as a certificate within 150% of "normal time" for completing the program in which they are enrolled.

Some institutions also report a transfer-out rate, which is the percentage of the full-time, first-time students who transferred to another institution without completing at the current institution.

Note that not all students at the institution are tracked for these rates. Students who have already attended another postsecondary institution, or who began their studies on a part-time basis, are not tracked for this rate. At this institution, 27 percent of entering students were counted as "full-time, first-time" in 2022.

Overall Graduation and Transfer-Out Rates for Students Who Began Their Studies in Fall 2019
Overall graduation rate: Overall graduation rate: 34% Transfer-out rate: 25%
Percentage of Full-time, First-Time Students Who Graduated or Transferred Out Within 150% of "Normal Time" to Completion for Their Program
Overall graduation rate by gender
Overall graduation rate by gender: Male: 38% Female: 31%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2019 and Graduated Within 150% of "Normal Time" to Completion for Their Program
Overall graduation rate by race/ethnicity
Overall graduation rate by race/ethnicity: American Indian or Alaska Native: 29% Asian: 33% Black or African American: 0% Hispanic/Latino: 32% Native Hawaiian or other Pacific Islander: 33% White: 38% Two or more races: 11% Race/ethnicity unknown: 0% U.S. Nonresident: 11%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2019 and Graduated Within 150% of "Normal Time" to Completion for Their Program
Graduation Rates by Time to Completion

Graduation rates can be measured over different lengths of time. "Normal time" is the typical amount of time it takes full-time students to complete their program. For example, the "normal" amount of time for many associate's degree programs is 2 years. Not all students complete within the normal time, so graduation rates are measured by other lengths of time as well, including "150% of normal time" (e.g., 3 years for a 2-year program) and "200% of normal time," or twice as long as the normal time (e.g., 4 years for a 2-year program).

Graduation Rates for Students Who Began Their Program in Fall 2018 or Fall 2019, by Time to Completion
Graduation Rates for Students Who Began Their Program in Fall 2018 or Fall 2019, by Time to Completion [Began in Fall 2018] Within "Normal time" for the program: 29% Within 150% of "Normal time" for the program: 40% Within Twice as Long as "Normal time" for the program: 43% [Began in Fall 2019] Within "Normal time" for the program: 23% Within 150% of "Normal time" for the program: 34% Within Twice as Long as "Normal time" for the program: %
Percentage of Full-time, First-time Students Who Graduated in the Specified Amount of Time
open-close Outcome Measures
  • Alternative measures of student success are reported by degree-granting institutions to describe the outcomes of degree/certificate-seeking undergraduate students who are not only first-time, full-time students, but also part-time attending and non-first-time (transfer-in) students. These measures are also reported for students receiving Pell grants and those students that do not receive Pell grants. These measures provide the 8-year award-completion rates by award level (certificates, associate's and bachelor degrees) after entering an institution. For students who did not earn any undergraduate award after 8-years of entry, the enrollment statuses are reported as either still enrolled at the institution, or subsequently transferred out of the institution. Unlike the Graduation Rates data, all reporting institutions must report on their transfer outs regardless if the institution has a mission that provides substantial transfer preparation.
FULL-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2014-15
Award and enrollment rate: [All students] Received a certificate: 5% Received an Associate's degree: 43% Enrolled at same institution: 1% Enrolled at different institution: 23% [Pell] Received a certificate: 6% Received an Associate's degree: 41% Enrolled at same institution: 1% Enrolled at different institution: 20% [Non-Pell] Received a certificate: 5% Received an Associate's degree: 44% Enrolled at same institution: 1% Enrolled at different institution: 25%
PART-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2014-15
Award and enrollment rate: [All students] Received a certificate: 6% Received an Associate's degree: 11% Enrolled at same institution: 2% Enrolled at different institution: 18% [Pell] Received a certificate: 0% Received an Associate's degree: 9% Enrolled at same institution: 0% Enrolled at different institution: 13% [Non-Pell] Received a certificate: 8% Received an Associate's degree: 11% Enrolled at same institution: 2% Enrolled at different institution: 20%
FULL-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2014-15
Award and enrollment rate: [All students] Received a certificate: 5% Received an Associate's degree: 38% Enrolled at same institution: 1% Enrolled at different institution: 39% [Pell] Received a certificate: 7% Received an Associate's degree: 36% Enrolled at same institution: 0% Enrolled at different institution: 39% [Non-Pell] Received a certificate: 4% Received an Associate's degree: 40% Enrolled at same institution: 1% Enrolled at different institution: 39%
PART-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2014-15
Award and enrollment rate: [All students] Received a certificate: 8% Received an Associate's degree: 27% Enrolled at same institution: 1% Enrolled at different institution: 28% [Pell] Received a certificate: 3% Received an Associate's degree: 31% Enrolled at same institution: 3% Enrolled at different institution: 28% [Non-Pell] Received a certificate: 9% Received an Associate's degree: 26% Enrolled at same institution: 0% Enrolled at different institution: 28%
open-close Programs/Majors
Completions (Number of awards conferred) 2021-2022
Completions are the number of awards conferred by program and award level.
sort byProgram12
week
to
<1
year
Certificate		1
to
<2
year
Certificate		Associate
  • Data shown are for first majors.
  • (-) Program is not offered at this award level.
  • d identifies programs and award levels that are offered as a distance education program. For program category totals, d is shown if one or more programs in the category are offered as a distance education program.
Agricultural/Animal/Plant/Veterinary Science and Related Fields
Agribusiness/Agricultural Business Operations-0-
Agricultural Business and Management, General--12
Agriculture, General--7
Animal Sciences, General--6
Equestrian/Equine Studies8--
Horticultural Science--2
Plant Sciences, General--0
Range Science and Management--4
Category total8031
Biological and Biomedical Sciences
Biology/Biological Sciences, General--4
Category total--4
Business, Management, Marketing, and Related Support Services
Administrative Assistant and Secretarial Science, General-2d0
Business/Commerce, General-2d31d
Entrepreneurship/Entrepreneurial Studies-0-
Hospitality Administration/Management, General-01
Meeting and Event Planning-0-
Category total-4d32d
Computer and Information Sciences and Support Services
Computer and Information Sciences, General--3d
Computer and Information Systems Security/Auditing/Information Assurance-1d0d
Computer Support Specialist-1d-
Information Science/Studies4d-1d
Web/Multimedia Management and Webmaster--0
Category total4d2d4d
Construction Trades
Building Construction Technology/Technician-102
Carpentry/Carpenter1d--
Electrician8--
Category total9d102
Culinary, Entertainment, and Personal Services
Cooking and Related Culinary Arts, General-0-
Culinary Arts/Chef Training-02
Category total-02
Education
Early Childhood Education and Teaching3d-2
Elementary Education and Teaching--16
Physical Education Teaching and Coaching0--
Secondary Education and Teaching--8
Category total3d-26
Engineering
Engineering, General--6
Category total--6
Engineering/Engineering-related Technologies/Technicians
Composite Materials Technology/Technician-0-
Drafting and Design Technology/Technician, General--3
Surveying Technology/Surveying--2
Category total-05
English Language and Literature/Letters
English Language and Literature, General--0
Category total--0
Health Professions and Related Programs
Dental Hygiene/Hygienist--22
Health and Wellness, General--64d
Licensed Practical/Vocational Nurse Training-44-
Massage Therapy/Therapeutic Massage3-0
Registered Nursing/Registered Nurse--48
Substance Abuse/Addiction Counseling-9d-
Category total353d134d
History
History, General--0
Category total--0
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Criminal Justice/Safety Studies--8d
Category total--8d
Liberal Arts and Sciences, General Studies and Humanities
General Studies--93d
Category total--93d
Mathematics and Statistics
Mathematics, General--4d
Category total--4d
Mechanic and Repair Technologies/Technicians
Diesel Mechanics Technology/Technician-3729
Industrial Electronics Technology/Technician-1212
Category total-4941
Multi/Interdisciplinary Studies
Biological and Physical Sciences--6d
Multi-/Interdisciplinary Studies, Other--3
Category total--9d
Parks, Recreation, Leisure, Fitness, and Kinesiology
Exercise Science and Kinesiology--5
Physical Fitness Technician-14
Sports, Kinesiology, and Physical Education/Fitness, General--1
Category total-110
Precision Production
Machine Tool Technology/Machinist-711
Precision Production, Other--1
Welding Technology/Welder-389
Category total-4521
Psychology
Psychology, General--13d
Category total--13d
Public Administration and Social Service Professions
Human Services, General-2d10d
Category total-2d10d
Social Sciences
Social Sciences, General--1d
Category total--1d
Visual and Performing Arts
Art/Art Studies, General3-9
Drama and Dramatics/Theatre Arts, General--3
Graphic Design0--
Music, General4-4
Category total7-16
Grand total34166472
open-close Servicemembers and Veterans
Services and Programs for Servicemembers and Veterans
Credit for military training
Dedicated point of contact for support services for veterans, military servicemembers, and their families
Recognized student veteran organization
Member of Department of Defense Voluntary Educational Partnership Memorandum of Understanding
Tuition policies specifically for Veterans and Servicemembers
Educational Benefits, 2021-2022
Number of students receiving benefits/assistance
Number of students receiving benefits/assistance: Post-9/11 GI Bill Benefits: 56 DoD Tuition Assistance Program: 22
Average amount of benefits/assistance disbursed through the institution
Average amount of benefits/assistance disbursed through the institution: Post-9/11 GI Bill Benefits: $3,007 DoD Tuition Assistance Program: $2,821
RETENTION, GRADUATION, AND TRANSFER-OUT
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS
RETENTION RATES FOR FIRST-TIME, DEGREE/CERTIFICATE EDUCATION BENEFIT USERS Full-time students: 69% Part-time students: 50%
  • Retention rate is the percentage of undergraduate students who began their studies in academic year 2013-14 and returned in academic year 2014-15
GRADUATION AND TRANSFER-OUT RATES FOR FIRST-TIME EDUCATION BENEFIT USERS
Rates by time to completion2010-112011-12
Graduation rate
150 percent of normal time13%29%
200 percent of normal time13%--
Transfer-out rate
150 percent of normal time38%14%
200 percent of normal time50%--
  • Depending on the program length, graduation and transfer-out rates can be measured over different lengths of time. The academic years, 2010-11 and 2011-12, are the cohort years students entered an institution. "Normal time" is the typical amount of time it takes full-time students to complete their program from the time they entered an institution. For example, the "normal" amount of time (or 100% time) for many associate's degree programs is 2 years. Not all students complete within the normal time, so graduation rates are measured by other lengths of time as well, including "150% of normal time" (e.g., completion within 3 years for a 2-year program) and "200% of normal time," or twice as long as the normal time (e.g., completion within 4 years for a 2-year program).
  • (--) not applicable
open-close Varsity Athletic Teams
Athletics Participation
  • Sanction Body: Other
Varsity Men's and Women's TeamsMenWomen
Rodeo2719
open-close Accreditation
Institutional Accreditation
AccreditorStatusNext Review Date
Higher Learning CommissionAccredited since ((!)01/01/1968)08/31/2029
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
Accreditation Commission for Education in Nursing, Inc. – May 6, 2013 Formerly: National League for Nursing Accrediting Commission
Nursing (ADNUR) - Associate degree programsAccredited since (09/01/1989)06/30/2027
American Dental Association, Commission on Dental Accreditation
Dental Hygiene (DH)Accredited since (05/14/1971)12/31/2025
  • (!) Estimated date
  • For more detailed information on accreditation for this institution, including all actions and justification for actions, visit OPE's Database of Accredited Postsecondary Institutions and Programs: ope.ed.gov/dapip/#/institution-profile/150686.
open-close Campus Security and Safety
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape100
d. Fondling002
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary000
j. Motor vehicle theft110
k. Arson000
VAWA Offenses201920202021
a. Domestic violence100
b. Dating violence000
c. Stalking001
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations300
c. Liquor law violations285214
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations233
c. Liquor law violations65911
On-Campus Student Housing Facilities
  • On-campus Student Housing Facilities statistics are a subset of On-Campus statistics.
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape100
d. Fondling002
e. Incest000
f. Statutory Rape000
g. Robbery000
h. Aggravated assault000
i. Burglary000
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence100
b. Dating violence000
c. Stalking001
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations300
c. Liquor law violations284712
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations233
c. Liquor law violations6459
  • The crime data reported by the institutions have not been subjected to independent verification by the U.S. Department of Education. Therefore, the Department cannot vouch for the accuracy of the data reported here.
  • The crime statistics displayed only includes On-Campus data associated with the main campus as listed on College Navigator. For statistics associated with each campus location, off campus data, and for additional information covering Hate Crimes, and Fire statistics see https://ope.ed.gov/campussafety.
  • The On-Campus data do not include incidents that: (a) took place on public property, including thoroughfares, streets, sidewalks, and parking facilities, that is within the campus, or immediately adjacent to and accessible from the campus; (b) took place on any building or property owned or controlled by a student organization that is officially recognized by the institution; or (c) took place on any building or property owned or controlled by an institution that is used in direct support of, or in relation to, the institution's educational purposes, is frequently used by students, and is not within the same reasonably contiguous geographic area of the institution.
open-close Cohort Default Rates
Three-year Official Cohort Default Rates
Fiscal Year202020192018
Default rate0.0%4.7%14.2%
Number in default02064
Number in repayment388425449
Aid Programs
  • Federal Direct Loan (Direct Loan)
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