California Community Colleges Student Loans Students Smiling While Sitting at a Table in a Campus Library

Student Loans

Student Loans can help you pay for your college education.

Student loans that cover your college costs must get paid back in full, plus interest.

Before you apply for a student loan, make sure you have explored all your financial aid options. Note that not all California community colleges participate in student loan programs.

Student Loans Recipient Standing with His Arms Folded in a California Community College Classroom

About

There are loans available through the Federal Direct Student Loan Program and private lenders who provide education loans. Talk to your financial aid office to see if loans are necessary and, if so, what types are available. Complete the Free Application for Federal Student Aid (FAFSA) to determine eligibility for a Subsidized or Unsubsidized Direct Student Loan. Additional application materials, including online entrance and exit counseling, along with a master promissory note, are required. Visit studentaid.gov for more information on federal loans

Award Amount

Loan amounts, interest rates and penalties can vary by the loan program, so make sure to read the fine print of your agreement and stay current on your required payments.

More financial aid programs are available.

Most U.S. citizens qualify for financial aid with a Free Application for Federal Student Aid (FAFSA). Undocumented students can get assistance through the California Dream Act (CADAA).

PELL GRANTS

Grant

Federal Pell Grants go to undergraduate students without college degrees who come from low-income families.

CAL GRANT PROGRAM

Grant

Cal Grants get awarded to California resident undergraduates based on financial need, academic performance and other factors.

PROMISE GRANTS

Grant

Low-income students and students receiving cash assistance may automatically apply for a California College Promise Grant (CCPG).

STUDENT SCHOLARSHIPS

Scholarship

The California Community Colleges Scholarship Endowment (CCCSE) offers over 3,000 student scholarships per year.

WORK-STUDY PROGRAMS

Part-Time Employment

Federal work-study students earn money to pay for college by working a part-time job on-campus or out in the community.

FOSTER YOUTH

Grant

Foster youth students who were in care on or after their 16th birthday can apply for a Chafee Grant up until they turn 26.

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