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Federal Financial Aid Resources

If you are new to the student loan process, we recommend the following web resource to gain a full overview and details about your options.

Federal Student Aid

Free Application for Student Aid (FAFSA)

Any student interested in being considered for financial aid through the federal government MUST file a Free Application for Federal Student Aid (FAFSA). The Santa Clara University School Code is 001326. Regardless of need, Financial Aid in the form of Federal Student loans is available for degree-seeking students who are enrolled half-time (4.5 units/quarter in Fall/Winter/Spring; 3 units in Summer) or more, and are a U.S. citizen or permanent resident. Additional information can be obtained from the University's Enrollment Services Center at 408-551-1000 or

  • Students who are interested in a Federal loan should file a FAFSA after being accepted into an ECP program. 
  • Students filing a FAFSA prior to being admitted into an ECP program should notify of their acceptance into ECP in order to trigger the FAFSA application.
  • Students wishing to obtain a loan in subsequent years must re-file in each year for which a loan is sought.
  • Federal Financial Aid will be credited to student accounts 10 days before the beginning of each term.
Graduate Student Loans

To help cover the cost of your education, you may be able to take advantage of a variety of student loan programs. Typically, these programs offer low-interest rates and repayment plans that are designed with students in mind. In many cases, you will not have to start repaying these loans until after you have graduated or enroll less than half-time.

Federal Student Loans

Most students who apply for financial aid are offered some loans that are sponsored by the federal government. These loans are typically included in your financial aid award.

William D. Ford Federal Direct Loans
The Federal Direct Loan program is generally known as Federal Stafford Loans, this loan program provides you a simple and convenient way to borrow money to pay for your education.

Federal Perkins Loan
The Federal Perkins Loan are low-interest, long-term educational loans awarded annually depending on financial need as determined by the information you provided on the Free Application for Federal Student Aid (FAFSA).

Federal Direct Graduate PLUS Loan
Federal Graduate Direct PLUS Loan are from the U.S. Department of Education for students seeking master’s, doctoral or specialist degrees. The Federal Graduate Direct PLUS Loan enables graduate students to borrow up to the cost of education minus any other financial aid.

Private Alternate Loans

While federal students loans are often the most attractive lending options, you may also wish to consider loans from other sources. The Financial Aid Office encourages borrowers to do your own research to find the best lender for you. We have provided you with a Guide to Choosing a Lender that may assist in determining the best lender for you.

For more information on graduate student loan options, please visit the Office of Financial Aid website. This will provide the most comprehensive and detailed information on your options and loan limits.

Office of Financial Aid: Campus Location
Schott Enrollment Services Building
Telephone (408) 551-1000
Fax (408) 554-2154

Private Scholarships
In addition to federal funding options, there are plenty of other awards sponsored by corporations, civic organizations, religious organizations and other groups, which are designed to help students with their college costs.

Online Scholarship Searches

FastWeb: Scholarships, Financial Aid and Colleges
One of the first free online search services with a database of more than 400,000 scholarships.

College Board Scholarship Search
A database of scholarships, internships and other financial aid programs from 2,500 sources.

FinAid! A SmartStudent Guide to Financial Aid
A database of awards for undergraduate through post-graduate studies.

NOTE: If you have been awarded a scholarship from an outside agency, please provide the donor with our contact information. All correspondence and scholarship checks from donors should be sent to our Private Outside Scholarship Coordinator.

Private Outside Scholarship Coordinator
Yana Sebe
(408) 554-5785
You can learn more by visiting the Office of Financial Aid website.

External Education Financial Assistance

Federal Student Aid Loan Services, Repayment Plans, Loan Consolidation and Loan Forgiveness

Public Service Loan Forgiveness Program

The PSLF Program is intended to encourage individuals to enter and continue to work full-time in public service jobs. Under this program, borrowers may qualify for forgiveness of the remaining balance of their Direct Loans after they have made 120 qualifying payments on those loans while employed full time by certain public service employers. For more information please visit the U. S. Department of Education, Federal Student Aid website.

Federal Teacher: Loan Forgiveness Program - FFEL and Direct Loan Programs

To qualify, a teacher must have been employed as a full-time teacher for five consecutive complete academic years in an elementary or secondary school that has been designated as a low-income school by the U.S. Department of Education. Teachers may receive up to either $5,000 or $17,500 of loan cancellation if they teach in a low-income school. A fully qualified elementary or secondary teacher is eligible for up to $5,000 in loan forgiveness if they teach in a low-income school.
Teachers may receive up to $17,500 in loan forgiveness if they are fully qualified and are:

  • teachers of mathematics or science in an eligible secondary school 
  • special education teachers.

For more information, please visit the Federal Teacher Loan Forgiveness Program website.

Federal Education Grants: TEACH Program

The U.S. Department of Education funds a Teacher Education Assistance for College and Higher Education Grant (TEACH Grant) Program. The TEACH Program requires a FAFSA (see above) and provides funds to students who are completing or who plan to complete coursework that is required to begin a career in teaching, and who agree to teach full-time for at least four years. If you are interested in a TEACH Grant, please go to the TEACH Grant website for additional information or visit the U. S. Department of Education, Federal Student Aid website.

Federal Perkins" Loan Teacher Cancellation

The Federal Perkins Loan Teacher Cancellation program applies to teachers who have taught in an elementary or secondary school as a:

  • teacher in a school serving students from low-income families
  • special education teacher 
  • teacher in the fields of mathematics, science, foreign languages, or bilingual education, or in other shortage areas in the state.

If a borrower is eligible for teacher cancellation under any of the categories, up to 100 percent of the loan may be canceled for teaching service in the following increments:

  • 15% for the first and year second years of service
  • 20 percent canceled for the third and fourth years
  • 30 percent canceled for the fifth year.

For more information, please visit the Federal Perkins Loan Teacher Cancellationwebsite for application instructions for more information.

National Health Service Corps: Loan Repayment Program

The NHSC Loan Repayment Program is open to licensed primary care medical, dental, and mental and behavioral health providers who are employed or seeking employment at approved sites.