Non-Need Based Loan Options for UC Santa Cruz Students and Parents

UC Santa Cruz students who submit a FAFSA and complete any additional To Do requirements will also be considered for the following loans. If you still need help meeting expenses, you may wish to consider the additional loan options below:

Unsubsidized Federal Direct Student Loans are non-need-based loans for students (refer to the margin on the left)

Federal Direct Parent Loans for Undergraduate Students (PLUS) are non need-based loans for PARENTS of dependent undergraduate students. A separate application is required.

Graduate PLUS are an additional option for graduate students and require a separate application.

Private Loans are educational loans offered through private financial institutions not affiliated with UCSC.

Emergency Short Term Loans These loans are typically for small amounts and must be repaid within 30 days. Currently enrolled, registered UCSC students experiencing temporary difficulties meeting their financial obligations may be eligible to apply for an Emergency Short Term Loan.