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IPEDS ID: 198622
OPE ID: 00483800
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Guilford Technical Community College
601 E. Main Street, Jamestown, North Carolina 27282
General information:  (336) 334-4822
Website:  www.gtcc.edu/
Type:  2-year, Public
Awards offered:  Less than one year certificate
One but less than two years certificate
Associate's degree
Campus setting:  Suburb: Large
Campus housing:  No
Student population:  11,485 (all undergraduate)
Student-to-faculty ratio:  16 to 1
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open-close General Information
Admissionswww.gtcc.edu/admissions-and-aid/
Apply Onlinewww1.cfnc.org/applications/nc_community_college/apply.html?application_id=1499
Financial Aidwww.gtcc.edu/admissions-and-aid/how-to-pay-for-college/financial-aid/index.php
Net Price Calculatorwww.gtcc.edu/_files/NetPriceCalculator/npcalc.htm
Tuition Policies for Servicemembers and Veteranswww.gtcc.edu/admissions-and-aid/how-to-pay-for-college/veterans-resource-center/index.php
Disability Serviceswww.gtcc.edu/student-life/disability-services/index.php
Athletic Graduation Rateswww.gtcc.edu/consumer-information-and-public-disclosures.php
Mission Statement
  www.gtcc.edu/about/vision-mission.php
Special Learning Opportunities
Distance education – undergraduate programs offered
Weekend/evening college
Student Services
Academic/career counseling service
Employment services for students
Placement services for completers
Undergraduate students enrolled who are formally registered with office of disability services, Fall 2023
3.08%
High school students enrolled in college courses for credit, 2023-2024
2,636
Carnegie Classification
Associate's Colleges: Mixed Transfer/Career & Technical-High Traditional
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
Developmental
Noncredit education offered
Workforce Education
Contract Training/Customized Training
Developmental Education
Recreational/Avocational/Leisure/Personal Enrichment
Adult Basic Education
Adult High School Diploma or Equivalent
English as a Second Language
Continuing Professional Education
Credit Accepted
Credit for life experiences
Advanced placement (AP) credits
Faculty by primary function, Fall 2024Full timePart time
Total faculty292478
Instructional292478
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 year2021-20222022-20232023-20242024-2025% change 2023-2024 to 2024-2025
Tuition and fees
In-state$2,289$2,319$2,319$2,3200.0%
Out-of-state$7,665$7,695$7,695$7,6960.0%
Books and supplies$826$1,460$1,460$1,4700.7%
Living arrangement
Off Campus
Food and Housing$9,189$9,684$10,872$11,7367.9%
Other expenses$8,487$8,937$9,639$9,9993.7%
Off Campus with Family
Food and Housing---$7,605 -
Other expenses$8,487$8,937$9,639$9,9993.7%
Total Expenses2021-20222022-20232023-20242024-2025% change 2023-2024 to 2024-2025
In-state
Off Campus$20,791$22,400$24,290$25,5255.1%
Off Campus with Family$11,602$12,716$13,418$13,7892.8%
Out-of-state
Off Campus$26,167$27,776$29,666$30,9014.2%
Off Campus with Family$16,978$18,092$18,794$19,1652.0%
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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 Food and Housing, books and supplies, etc. (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, 2023-2024
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 aid173181%————
Grant or scholarship aid73181%$4,064,104$5,560
Federal grants54861%$3,345,220$6,104
Pell grants54861%$3,311,220$6,042
Other federal grants526%$34,000$654
State/local government grant or scholarships44950%$471,041$1,049
Institutional grants or scholarships13915%$247,843$1,783
Student loan aid20222%$1,056,056$5,228
Federal student loans20222%$1,053,056$5,213
Other student loans(*)0%(*)(*)
  • 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 aid15,09062%$24,044,366$4,724
Pell grants4,49155%$20,480,135$4,560
Federal student loans2,58532%$15,815,016$6,118
Non-degree/non-certificate-seeking
Grant or scholarship aid1100%$32,923$3,292
  • 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.
2021-20222022-20232023-2024
Average net price$12,368$13,374$14,819
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 Income2021-20222022-20232023-2024
$0 – $30,000$11,469$12,787$13,645
$30,001 – $48,000$12,275$13,312$14,393
$48,001 – $75,000$13,783$15,466$16,385
$75,001 – $110,000$15,826$17,698$18,819
$110,001 and more$16,976$17,774$20,353
  • 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 Food and Housing 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 Grants, Federal Supplemental Educational Opportunity Grants (FSEOG), Teacher Education Assistance for College and Higher Education (TEACH) Grants, Federal Work-Study, Subsidized Direct Loans, and Unsubsidized Direct Loans. 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 2024
Total enrollment (all undergraduate)11,485
Undergraduate transfer-in enrollment1,397
Attendance StatusStudent Gender
Attendance Status: Full-time: 35% Part-time: 65%Student Gender: Male: 40% Female: 60%
Student Race/ethnicity
Student Race/ethnicity: American Indian or Alaska Native: 1% Asian: 6% Black or African American: 34% Hispanic/Latino: 15% Native Hawaiian or other Pacific Islander: 0% White: 35% Two or more races: 3% Race/ethnicity unknown: 4% U.S. Nonresident: 1%
Undergraduate Student AgeUndergraduate Student Residence
Undergraduate Student Age: 24 and under: 70% 25 and over: 30% Age unknown: 0%Undergraduate Student Residence: In-state: 100% Out-of-state: 0% Foreign countries: 0% Unknown: 0%
  • Age data are reported for Fall 2023.
  • 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: 36% Enrolled in some, but not all, distance education courses: 31% Not enrolled in any distance education courses: 33%
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: 64% Part-time students: 49%
Percentage of Students Who Began Their Studies in Fall 2023 and Returned in Fall 2024
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, 20 percent of entering students were counted as "full-time, first-time" in 2024.

Overall Graduation and Transfer-Out Rates for Students Who Began Their Studies in Fall 2021
Overall graduation rate: Overall graduation rate: 31% Transfer-out rate: 14%
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: 23%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2021 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: 20% Asian: 35% Black or African American: 20% Hispanic/Latino: 30% White: 37% Two or more races: 21% Race/ethnicity unknown: 41% U.S. Nonresident: 75%
Percentage of Full-time, First-time Students Who Began Their Studies in Fall 2021 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 2020 or Fall 2021, by Time to Completion
Graduation Rates for Students Who Began Their Program in Fall 2020 or Fall 2021, by Time to Completion [Began in Fall 2020] Within "Normal time" for the program: 22% Within 150% of "Normal time" for the program: 31% Within Twice as Long as "Normal time" for the program: 34% [Began in Fall 2021] Within "Normal time" for the program: 4% Within 150% of "Normal time" for the program: 31% 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 2016-17
Award and enrollment rate: [All students] Received a certificate: 5% Received an Associate's degree: 24% Enrolled at same institution: 1% Enrolled at different institution: 33% [Pell] Received a certificate: 4% Received an Associate's degree: 22% Enrolled at same institution: 0% Enrolled at different institution: 33% [Non-Pell] Received a certificate: 7% Received an Associate's degree: 28% Enrolled at same institution: 1% Enrolled at different institution: 33%
PART-TIME, FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2016-17
Award and enrollment rate: [All students] Received a certificate: 6% Received an Associate's degree: 18% Enrolled at same institution: 2% Enrolled at different institution: 27% [Pell] Received a certificate: 5% Received an Associate's degree: 11% Enrolled at same institution: 3% Enrolled at different institution: 26% [Non-Pell] Received a certificate: 6% Received an Associate's degree: 26% Enrolled at same institution: 2% Enrolled at different institution: 28%
FULL-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2016-17
Award and enrollment rate: [All students] Received a certificate: 8% Received an Associate's degree: 24% Enrolled at same institution: 1% Enrolled at different institution: 36% [Pell] Received a certificate: 5% Received an Associate's degree: 21% Enrolled at same institution: 1% Enrolled at different institution: 39% [Non-Pell] Received a certificate: 14% Received an Associate's degree: 29% Enrolled at same institution: 1% Enrolled at different institution: 30%
PART-TIME, NON-FIRST-TIME DEGREE/CERTIFICATE-SEEKING UNDERGRADUATES WHO ENTERED IN 2016-17
Award and enrollment rate: [All students] Received a certificate: 8% Received an Associate's degree: 19% Enrolled at same institution: 1% Enrolled at different institution: 37% [Pell] Received a certificate: 7% Received an Associate's degree: 17% Enrolled at same institution: 1% Enrolled at different institution: 35% [Non-Pell] Received a certificate: 9% Received an Associate's degree: 21% Enrolled at same institution: 1% Enrolled at different institution: 39%
open-close Programs/Majors
Completions (Number of awards conferred) 2023-2024
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
Turf and Turfgrass Management1288
Category total1288
Business, Management, Marketing, and Related Support Services
Accounting000
Accounting and Finance3049
Business Administration and Management, General105055
Hotel, Motel, and Restaurant Management17129
Logistics, Materials, and Supply Chain Management668
Office Management and Supervision6d10d6d
Operations Management and Supervision--0
Category total164d32d87d
Communications Technologies/Technicians and Support Services
Recording Arts Technology/Technician--21
Category total--21
Computer and Information Sciences and Support Services
Computer Programming/Programmer, General0d-0d
Information Science/Studies-0d0d
Information Technology150d0d65d
Category total150d0d65d
Construction Trades
Building/Property Maintenance-47
Carpentry/Carpenter-8-
Electrician19178
Plumbing Technology/Plumber8--
Category total272915
Culinary, Entertainment, and Personal Services
Cosmetology, Barber/Styling, and Nail Instructor0--
Cosmetology/Cosmetologist, General-22-
Culinary Arts/Chef Training312924
Category total315124
Education
Early Childhood Education and Teaching75811
Category total75811
Engineering
Pre-Engineering--28
Category total--28
Engineering/Engineering-related Technologies/Technicians
Aeronautical/Aerospace Engineering Technology/Technician1544
Architectural Engineering Technologies/Technicians000
Civil Engineering Technologies/Technicians607
Electrical, Electronic, and Communications Engineering Technology/Technician1376
Electromechanical/Electromechanical Engineering Technology/Technician5-5
Industrial Production Technologies/Technicians, Other1-16
Mechanical/Mechanical Engineering Technology/Technician-06
Telecommunications Technology/Technician-00
Category total401144
Health Professions and Related Programs
Dental Assisting/Assistant-28-
Dental Hygiene/Hygienist--27
Emergency Medical Technology/Technician (EMT Paramedic)4-18
Health Information/Medical Records Technology/Technician1d-0d
Licensed Practical/Vocational Nurse Training-10-
Medical Office Management/Administration80d60d60d
Medical Radiologic Technology/Science - Radiation Therapist--0
Medical Transcription/Transcriptionist-0d-
Medical/Clinical Assistant--6
Mental and Social Health Services and Allied Professions, Other-08
Pharmacy Technician/Assistant-133
Physical Therapy Assistant--16
Pre-Nursing Studies0-19
Radiologic Technology/Science - Radiographer--20
Registered Nursing/Registered Nurse--57
Substance Abuse/Addiction Counseling301
Surgical Technology/Technologist-014
Category total88d111d249d
Homeland Security, Law Enforcement, Firefighting and Related Protective Services
Criminal Justice/Police Science8d--
Criminal Justice/Safety Studies45d0d31d
Crisis/Emergency/Disaster Management000
Cyber/Computer Forensics and Counterterrorism19-10
Fire Prevention and Safety Technology/Technician6d0d10d
Category total78d0d51d
Legal Professions and Studies
Legal Assistant/Paralegal1507
Category total1507
Liberal Arts and Sciences, General Studies and Humanities
General Studies--1
Liberal Arts and Sciences, General Studies and Humanities, Other--14d
Liberal Arts and Sciences/Liberal Studies-0632d
Category total-0647d
Mechanic and Repair Technologies/Technicians
Airframe Mechanics and Aircraft Maintenance Technology/Technician07525
Autobody/Collision and Repair Technology/Technician731
Automobile/Automotive Mechanics Technology/Technician45818
Avionics Maintenance Technology/Technician7109
Diesel Mechanics Technology/Technician-00
Heating, Air Conditioning, Ventilation and Refrigeration Maintenance Technology/Technician231516
Medium/Heavy Vehicle and Truck Technology/Technician1214-
Category total9412569
Precision Production
Machine Shop Technology/Assistant122
Tool and Die Technology/Technician-00
Upholstery/Upholsterer-0-
Welding Technology/Welder22100
Category total23122
Transportation and Materials Moving
Airline/Commercial/Professional Pilot and Flight Crew26015
Category total26015
Visual and Performing Arts
Arts, Entertainment, and Media Management, General--0
Cinematography and Film/Video Production--0
Commercial and Advertising Art2501
Game and Interactive Media Design21d-8d
Graphic Design--15
Music, General--0
Category total46d024d
Grand total8693871,367
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, 2023-2024
Number of students receiving benefits/assistance
Number of students receiving benefits/assistance: Post-9/11 GI Bill Benefits: 132 DoD Tuition Assistance Program: 9
Average amount of benefits/assistance disbursed through the institution
Average amount of benefits/assistance disbursed through the institution: Post-9/11 GI Bill Benefits: $1,485 DoD Tuition Assistance Program: $1,632
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: 73% Part-time students: 31%
  • 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 time22%21%
200 percent of normal time28%--
Transfer-out rate
150 percent of normal time39%29%
200 percent of normal time44%--
  • 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: NJCAA Division II
Varsity Men's and Women's TeamsMenWomen
Baseball30–
Basketball128
Volleyball–7
open-close Accreditation
Institutional Accreditation
AccreditorStatusNext Review Date
Southern Association of Colleges and Schools, Commission on CollegesAccredited since (01/01/1969)06/10/2025
Programmatic Accreditation
Accreditor / ProgramStatusNext Review Date
American Dental Association, Commission on Dental Accreditation
Dental Assisting (DA)Accredited since (12/13/1968)12/31/2025
Dental Hygiene (DH)Accredited since (12/07/1967)12/31/2025
American Physical Therapy Association, Commission on Accreditation in Physical Therapy Education
Physical Therapy (PTA) - Programs for the physical therapist assistantAccredited since (10/27/1999)10/31/2024
Joint Review Committee on Education in Radiologic Technology
Radiologic Technology (RAD) - Programs for radiographersAccredited since (03/01/2012)02/01/2032
  • 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/133517.
open-close Campus Security and Safety
On-Campus
Criminal Offenses201920202021
a. Murder/Non-negligent manslaughter000
b. Negligent manslaughter000
c. Rape000
d. Fondling000
e. Incest000
f. Statutory Rape000
g. Robbery001
h. Aggravated assault001
i. Burglary000
j. Motor vehicle theft000
k. Arson000
VAWA Offenses201920202021
a. Domestic violence000
b. Dating violence000
c. Stalking100
Arrests201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations000
Disciplinary Actions201920202021
a. Weapons: carrying, possessing, etc.000
b. Drug abuse violations000
c. Liquor law violations000
  • 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 Year202120202019
Default rate0.0%0.0%6.4%
Number in default00176
Number in repayment2,4262,6852,715
Aid Programs
  • Federal Direct Loan (Direct Loan)