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Private Loan Programs

Learn about student loans and other programs available from private sources.

Facts about private loan programs:

  • Federal loan programs for undergraduates or graduate students may provide you with better terms and conditions.
  • Before you borrow, read Federal Versus Private Loans.
  • Before you borrow, pursue other types of financial aid, including outside agency scholarships.
  • Remember that borrowing money is a serious responsibility: You must repay loans with interest.
  • You don't need to file a FAFSA to obtain loans from private lenders.
  • Read more about loans.

Important note:

Find private loans for both undergraduate
& graduate/ professional students:

Note: Summer is considered part of the 2016–17 academic school year. Before you apply, review the charts below to ensure you are using the correct loan period for the term you are applying to.

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).

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 UCSD 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 UCSD 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 Business Services (SBS) 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?


2016–17 Academic Year
(9 month)
Loan Period
Begin Date
Loan Period
End Date
Anticipated
Disbursement Dates
Full academic year, use: 9/22/16 6/16/17 8/25/16
11/30/16
3/6/17
Fall Quarter only, use: 9/22/16 12/10/16 8/25/16
Winter Quarter only, use: 1/9/17 3/25/17 11/30/16
Spring Quarter only, use: 4/3/17 6/16/17 3/6/17
Fall & Winter 2-quarter, use: 9/22/16 3/25/17 8/25/16
11/30/16
Winter & Spring 2-quarter, use: 1/9/17 6/16/17 11/30/16
3/6/17
2017 Summer (3 month)
Summer is considered part of the 2016-17 academic school year
Loan Period
Begin Date
Loan Period
End Date
Anticipated
Disbursement Dates
Summer Session 1 & Session 2, use: 7/3/17 9/9/17 6/23/17
7/28/17
Summer Session 1 only, use: 7/3/17 8/5/17 6/23/17
Summer Session 2 only, use: 8/7/17 9/9/17 7/28/17
Special Session (Summer Session 3) courses, use: Varies by class from 6/18/17 to 9/27/17 Varies by class from 6/18/17 to 9/27/17 2 days before class start
Global Seminar, use: 7/3/17 8/5/17 6/23/17
*New UCNYC, use: 7/3/17 8/5/17 6/23/17
UC Washington, DC (UCDC), use: 7/3/17 8/5/17 6/23/17
UC Education Abroad (UCEAP), use: Varies by program from 6/18/17 to 9/27/17 Varies by program from 6/18/17 to 9/27/17 2 weeks before official program start date
Opportunities Abroad Program (OAP), use: Varies by program from 6/18/17 to 9/27/17 Varies by program from 6/18/17 to 9/27/17 Follows same dates as S1 or S2
2017–18 Academic Year
(9 month)
Loan Period
Begin Date
Loan Period
End Date
Anticipated
Disbursement Dates
Full academic year, use: 9/28/17 6/15/18 9/11/17
11/30/17
3/12/18
Fall Quarter only, use: 9/28/17 12/16/17 9/11/17
Winter Quarter only, use: 1/8/18 3/24/18 11/30/17
Spring Quarter only, use: 4/2/18 6/15/18 3/12/18
Fall & Winter 2-quarter, use: 9/28/17 3/24/18 9/11/17
11/30/17
Winter & Spring 2-quarter, use: 1/8/18 6/15/18 11/30/17
3/12/18

We will begin certifying private loans for Summer 2017 and 2017–18 in early May. The loan periods for Summer loans and the 2017–18 academic year are available above.

  • Select a lender from one of the UC lender lists for private loans.
  • Carefully review the benefits and repayment terms before you select a lender.
  • 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.
    • 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.