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Private Education Loan Programs

Find private loans for both undergraduate & graduate/ professional students

Note: For most students Summer is considered part of the 2023–24 academic school year with the exception of a few self-supporting graduate/professional programs. 

Disbursement requirements

Be sure to complete the required Private Education Loan Applicant Self-Certification and submit it to the lender (read the directions that are included on the form PDF). This form is completed as part of the lender's application process. There is no need to complete multiple forms.

The self-certification form is required for disbursement of your loan funds. Contact your lender about additional requirements that may be needed.

Once your funds are received, they will be credited to your UC San Diego student account provided you have met all the lender requirements, such as enrolled number of units. Additionally, in order to receive your funds, you must not have any university payment holds.

Right to cancel

Be aware that all Private Education Loan Lenders are required by law to give borrowers a minimum 3-day "Right to Cancel" period before they can disburse money to the school. This "Right to Cancel" period will begin after the lender receives the private loan certification from the school and all other required documents have been submitted to the lender by the borrower. Please contact your lender directly to find out the exact date your funds will be released to the school.

Note: These are the anticipated dates your money will post to your UC San Diego Student Accounts providing all requirements are met. Your actual disbursement date will depend on you completing all of the requirements for the lender and that lender's Right to Cancel. Student Financial Solutions (SFS) will begin sending refunds of excess money to you or your bank at the beginning of each quarter or in the case of summer, the beginning of each Summer Session period. Learn more: Financial Aid: How Do I Get My Money?

Loan Period and Disbursement Dates

2023-24 Academic Year
(9 month)
Loan Period
Begin Date
Loan Period
End Date
Anticipated
Disbursement Dates
Full academic year, use: 09/28/2023 06/14/2024 09/04/2023
12/05/2023
03/08/2024
Fall Quarter only, use: 09/28/2023 12/16/2023 09/04/2023
Winter Quarter only, use: 01/08/2024 03/23/2024 12/05/2023
Spring Quarter only, use: 04/01/2024 06/14/2024 03/08/2024
Fall & Winter 2-quarter, use: 09/28/2023 03/23/2024 09/04/2023
12/05/2023
Winter & Spring 2-quarter, use: 01/08/2024 06/14/2024 12/05/2023
03/08/2024

Summer Loan Period and Disbursement Dates

Summer 2024 (3 month)
Summer is considered part of the 2023-24
Academic year
Loan Period
Begin Date
Loan Period
End Date
Anticipated
Disbursement Dates
Summer Session 1 only, use:
5 Weeks
07/01/2024 08/03/2024 06/21/2024
Summer Session 2 only, use:
5 Weeks
08/05/2024 09/07/2024 07/26/2024
Summer Session 1 and 2 only, use:
10 Weeks
07/01/2024 09/07/2024 06/21/2024 and 07/26/2024
Global Seminar only, use: Global Seminars Global Seminars 06/21/2024 or 07/26/2024 based on Seminar
Special Session (Summer Session 3) only, use: Varies by class Varies by class 2 days before class start
UC Education Abroad (UCEAP), use: Varies by Program Varies by Program 2 days before class start
UC Washington, DC (UCDC), use: 06/20/2023 08/18/2023 2 days before class start
UC Sacramento, CA (UCCS), use: 06/20/2023 08/18/2023 2 days before class start
Opportunities Abroad Program (OAP), use: Varies by Program Varies by Program 2 days before class start

Loan Period and Disbursement Dates

2024-25 Academic Year
(9 month)
Loan Period
Begin Date
Loan Period
End Date
Anticipated
Disbursement Dates
Full academic year, use: 09/26/2024 06/13/2025 09/06/2024
12/06/2024
03/07/2025
Fall Quarter only, use: 09/26/2024 12/14/2024 09/06/2024
Winter Quarter only, use: 01/06/2025 03/22/2025 12/06/2024
Spring Quarter only, use: 03/31/2025 06/13/2025 03/07/2025
Fall & Winter 2-quarter, use: 09/26/2024 03/22/2025 09/06/2024
12/06/2024
Winter & Spring 2-quarter, use: 01/06/2025 06/13/2025 12/06/2024
03/07/2025

We will begin certifying private education loans for Summer 2024 in mid May. We will begin certifying private education loans for the 2024-2025 academic year toward the end of July. The loan period dates for Summer 2024 and the 2023-2024 academic year are listed above. The loan period dates for the 2024-2025 academic year are now listed above.

  • Students may apply directly with any lender who provides educational loans. The University of California has prepared a UC lender list for private loans to assist you.

  • Carefully review the benefits and repayment terms before you select a lender. See our Federal Direct Loan vs Private Education Loan Comparison to see a comprehensive list of criteria.

  • Follow the instructions provided by your selected lender, who will notify you of your loan application status and any approved amount.

    • You must sign a promissory note (a document that confirms your agreement to repay the loan), and sign the Application, Approval, and Final Disclosures.

    • You must complete a Private Education Loan Applicant Self-Certification (see below). Lenders provide this document at the time you are applying for the loan. You do not need to complete the form multiple times.

    • Interest rates, fees, and payment terms will vary between lenders. Most lenders require payments to begin 6-9 months after graduation (or leaving school).

  • Please note that federal student loans are available to most students regardless of income and provide a range of repayment options including income-based repayment plans and loan forgiveness benefits, which other education loans are not required to provide. See our Federal Direct Loan vs Private Education Loan Comparison to see a comprehensive list of criteria.

Private Loan Self-Certification Form

Responsibilities of the Borrower

To receive private education loan funds, the borrower must submit a self-certification form to the lender. Do not submit the form to UC San Diego.

Be sure to contact the lender to inquire about any additional requirements that may be needed before your loan funds can be disbursed.

Notes

  • If you haven't already applied for federal and state financial aid, you're encouraged to do so by completing the FAFSA.

  • You may wish to delay your private loan until you receive your financial aid award notice because you could receive enough financial aid to replace the private loan you intend to borrow.

  • Most students complete the Self-Certification Form as part of the lender's application process. Check with your lender if you are not sure you already completed the form. It is not necessary to complete multiple forms.