89% of students at California Western borrow funds to help meet academic costs.  Student loans can be a valuable way for you to invest in your future, but always remember that loans must be repaid.  Follow the links for more detail on each of the topics below:

Federal Perkins Loan: A limited number of these low-interest, fixed rate loans are made available to students with high need each year.

Federal Stafford Loan: Stafford loans have a fixed interest rate of 6.8% (for loans made after July 1, 2006) and can provide up to $20,500 per academic year.

Federal Graduate PLUS Loan: Grad PLUS has a fixed interest rate of 8.5% and can provide up to the student's cost of attendance minus other aid.

Private Loans and Bar Loans: Generally more expensive and less flexible than federal loans, private loans are best used to meet costs only after federal eligibility is exhausted, or in very specific circumstances.  Most private loans can provide up to the student's cost of attendance minus other aid.

Private Loan Comparison Chart: Compare terms and conditions from our major lenders.

Lender List: An overview of our major lenders, including links and phone numbers.

Loan Process: How to apply for student loans.

Entrance and Exit Counseling: Required for Perkins and Stafford borrowers.

Institutional and Emergency Loans:  A merit-based loan for continuing students, and loans to help when the unexpected occurs.

Federal Consolidation Loan: Consolidation Loans can reduce your monthly payment or combine your federal loans together, but they're not for everyone.