Alternative Financing Options
First things first - if you are federal student aid eligible and you have not completed your Free Application for Federal Student Aid (FAFSA) - get to it! Make sure you're taking advantage of all federal loans and grants before pursuing other loan types.
Parent PLUS Loan (For Dependent Students Only)
Please click the link provided above for full details on this loan option. PLUS Loan funding is through the Department of Education. Your parent will need to complete the separate Parent PLUS Loan application. A credit check is required. If your parent is denied for this loan, there may be additional student loan funding available for you. You must also have a FAFSA on file to receive this loan.
Graduate PLUS Loan
Please click the link provided above for full details on this loan option. This is only available for students enrolled in eligible Graduate Degree programs. Grad PLUS Loan funding is through the Department of Education. You will need to complete the separate Grad PLUS Loan application. A credit check is required. You must also have a FAFSA on file to receive this loan.
If you would like to break up your balance into interest-free monthly payments, check out payment plan options through the Bursar's Office - act fast and be aware of deadlines! Please review the link below for additional information.
CSU Emergency Loan
This is a short-term loan through the CSU Bursar's Office. Students may borrow up to $2,050 each semester, toward CSU tuition, fees, room and board, not to exceed the unpaid balance of institutional charges.
Please read all information provided on the CSU Emergency Loan application prior to submitting, and be aware of the listed application deadline.
The CSU emergency loan is no longer available for the Fall 2021 semester.
Private Student Loans
Private Student Loans are also a good way to meet your costs. You will need to apply separately with the lender you choose. These are primarily student borrowed and you can be eligible if you are enrolled on a less than half time basis, depending on your lender's terms. (Half-time for undergrads is 6 credits, half-time for graduate students is 5 credits.) Be sure to check with your lender regarding any requirements that they have. You can review some lender options and terms on ELM Select.