About 90% of students at California Western borrow funds to help meet academic costs. Student loans can be an
effective way for you to invest in your future, but always remember that loans must be repaid.
In general, students must be enrolled half-time or more in units that count towards a degree objective in order to
receive student loans. Follow the links for more detail on each of the topics below:
Types of Loans
- Federal Direct Stafford Loan:
Unsubsidized Stafford Loans for graduate students have a fixed interest rate of 6.6% (for loans
made between July 1, 2018 and June 30, 2019) and can provide up to $20,500 per academic year.
- Federal Direct Graduate PLUS Loan:
Graduate PLUS loans have a fixed interest rate of 7.6% (for loans made between July 1, 2018 and June
30, 2019) 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 student loans are best used to meet
costs only if ineligible for federal student loans, or in very specific circumstances. Private loans can
provide up to the student's cost of
attendance minus other aid; they cannot be used to increase your financial aid beyond the cost of
- 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, combine your federal loans together, or move your loans
into the Direct Loan Program, but they're not for everyone.