Almost every student will borrow from the federal student loan programs during the course of their educational experience. The information provided here is a guide to those programs.

CSU Channel Islands participates in the Federal Direct Loan Program. This means that if you or your parent borrows a Federal Subsidized, Unsubsidized, or PLUS Loan, the funding will come directly from the federal government. By participating in the Direct Loan Program, we ensure that CI families will have access to a secure, dependable, and affordable source of funds to finance their educational costs.

Federal Student Loans

CSU Channel Islands participates in the Direct Subsidized, Unsubsidized, and PLUS Loan programs to give our students the full range of options available for paying for college. These federal loan programs offer a secure, government-regulated and reasonably affordable way to invest in yourself and your goal of a higher education.

Student and parent loans are financial obligations that must be repaid. While some loans are based on financial need, there are loan programs available to all federally-eligible students – regardless of income. Keep in mind that you should not borrow more than you need or can comfortably repay after leaving school. We recommend using the Loan Repayment Calculator  on the Federal Student Aid website as a guide as to what your monthly payments will be once you enter repayment.

As a borrower, it is your responsibility to know how much you have borrowed, who is your lender, and how much you will be required to repay when you leave school. The National Student Loan Data System (requires FSA ID) will help you collect your federal loan borrowing history at all educational institutions.

To apply for a Direct Loan

For questions regarding Loan Repayment, Deferment or Forbearance, contact your loan servicer: More details.

Private Educational Loans

If after exhausting all sources of federal funding you decide to borrow a non-federal Private Educational Loan, ask questions and compare lenders to ensure you are making the best choice for you.

CSU Student Lending Code of Conduct

The Higher Education Opportunity Act of August 14, 2008 includes provisions that campuses participating in Title IV programs publish a code of conduct. Please visit Student Lending Code of Conduct for more information.