SUBSIDIZED/UNSUBSIDIZED LOAN{expander}

To be considered for a Direct Loan, a student must:

1. Complete and add our school code 012154 into your Free Application for Federal Aid (FAFSA)

2. Enroll in six (6) or more units related to your program of study/educational goal.

3. Complete and pass an online Entrance Counseling session and quiz with our school name CIIS.

4. Complete the electronic Subsidized/Unsubsidized Master Promissory Note (eMPN) with our school name CIIS.

 
 

APPLY FOR A GRAD PLUS LOAN.{expander}

How to apply for a Grad Plus Loan:

1. Complete the Direct Plus Loan Application with our school code 012154, which allows you to authorize the California Institute of Integral Studies to use your loan funds to satisfy other educationally related charges after tuition and fees and room and board have been paid. You are not required to provide this authorization.

2. Complete the Plus Master Promissory Note (MPN) with our school code 012154, which explains all of the terms and conditions of Direct PLUS Loans and constitutes your legally binding agreement to repay all Direct PLUS Loans that you receive under the Direct PLUS Loan MPN.

 

How to apply for a Parents Grad Plus Loan:

1. Complete the Direct PLUS Loan Application for Parents with our school code 012154, which allows you to authorize the California Institute of Integral Studies to use your loan funds to satisfy other educationally related charges after tuition and fees and room and board have been paid. You are not required to provide this authorization.

2. Complete the Plus Master Promissory Note (MPN) with our school code 012154, which explains all of the terms and conditions of Direct PLUS Loans and constitutes your legally binding agreement to repay all Direct PLUS Loans for parents that you receive under the Direct PLUS Loan for parents MPN.

ENDORSE A DIRECT PLUS LOAN{expander}

What is an Endorser?

An endorser is someone who agrees to repay the Direct PLUS Loan if the borrower becomes delinquent in making payments or defaults on the loan. The endorser may not be the student on whose behalf a parent obtains a Direct PLUS Loan.

APPEAL A CREDIT DECISION{expander}

DOCUMENT EXTENUATING CIRCUMSTANCES (APPEAL)

You may still be eligible to receive a Direct PLUS Loan. To become eligible, you may take one of the following actions:

1. Obtain an endorser and complete PLUS Credit Counseling.
  • An endorser is someone who does not have an adverse credit history and agrees to repay the loan if you do not repay it.
  • The endorser may not be the student on whose behalf you are requesting the Direct PLUS Loan.
2. Document to the satisfaction of the U.S. Department of Education:
  • The information causing the adverse credit decision is incorrect.
  • OR
  • There are extenuating circumstances relating to the adverse credit history. (Note: Endorsers aren't eligible for this option.)
  • AND
  • Complete PLUS Credit Counseling.

EXIT COUNSELING{expander}

Exit Counseling

What is Exit Counseling?

Exit counseling provides important information to prepare you to repay your federal student loan(s).

If you have received a subsidized, unsubsidized or PLUS loan under the Direct Loan Program or the FFEL Program, you must complete exit counseling each time you:

  • Drop below half-time enrollment
  • Graduate
  • Leave school

STUDENT LOAN REPAYMENT{expander}

Understanding the details of repayment on your federal student loan can save you time and money. Find out

Learn more about Repayment Plans.

REMEMBER: Your federal student loans can’t be canceled or forgiven because you didn’t get the education or job you expected or you didn’t complete your education (unless you couldn’t complete your education because your school closed).

Loan Forgiveness

Students working at least 30 hours/week for registered non-profits may qualify for this forgiveness plan. For more information visit http://www.studentaid.ed.gov/repay-loans/forgiveness-cancellation/charts/public-service .
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