SHS COUNSELING
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Types of Loans

Loan Information

Federal student loans are generally cheaper, more available and have better repayment terms than private/student loans.

See Also:  How to Interpret a College Financial Aid Letter


Federal Perkins Loan

For undergrad and grad students:
  • Undergrad students:  loan amount up to $5500
  • Grad and Professional students:  loan amount up to $8000
  • ​College is the lender

Direct Subsidized Loan

For undergrad and grad students enrolled at least half time (6-8 credit hours):
  • ​Loan amount up to $5500 depending on grade level and dependency
  • No interest charged while in school
  • Dept. of Education is the lender

Direct Unsubsidized Loan

For undergrad and grad students enrolled at least half time (6-8 credit hours):
  • Loan amount up to $20,500, less subsidized amount, depending on grade level and dependency.
  • Student is responsible for interest
  • Dept. of Education is the lender

Direct PLUS Loan for Parents

For parents of dependent students enrolled at least half time (6-8 credit hours):
  • Loan amount is maximum cost of attendance, less any other financial aid
  • Parent is responsible
  • Dept. of Education is the lender

Private/Alternative Loan

More expensive than Federal student loans
  • Eligibility, interest rate and fees based on credit scores
  • More information on private/alternative loans at www.finaid.org/loans/
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  • Welcome
    • Hybrid Model
  • About/Contact
    • Mariana Nunes A-Chau Contact Form
    • Johnny Campos Chav-Cle, AVID A-K and EL students Contact Form
    • Christine Berg Coa-GL Contact Form
    • Nathan Theune Gn-Kor Contact Form
    • Maritza Partida Kos-Mas, AVID L-Z Contact Form
    • Carlos Estrada Mat-Pini Contact Form
    • Kristen Matsumoto Pino-Sol Contact Form
    • Valencia Applegate Som-Z Contact Form
    • Sandy Sullivan Contact Form
  • Academic
    • SHS AVID
    • Prob Solv Dist Learn
    • 9th Grade >
      • Incoming Freshman Presentation
    • 10th Grade >
      • 10th grade Academic Advising and Registering for Classes
      • PSAT Info
    • 11th Grade >
      • 11th grade Academic Advising and Registering for Classes
    • 12th grade >
      • 12th grade Academic Advising and Registering for Classes
      • How to Order Transcripts
      • Class of 2021 College and Career Information
    • Help! My Student is Struggling >
      • Tutoring and Extra Help
    • Requesting a Letter of Recommendation
    • College Information >
      • The College Search Process
      • College Presentations
      • UC Information
      • California State University
      • Trade Schools
      • Community Colleges >
        • Norco Community College
        • Santiago Canyon College
    • Summer School
    • SAT & ACT
    • NCAA ELIGIBILITY
    • Graduation and College Admission Requirments
    • Dual Enrollment
  • Personal
    • Clubs on Campus
    • Intervention Resources
    • LGBTQ Resources
    • Community Referrals
    • CNUSD Clinician Referral List
    • Support Groups
    • Ways to Cope
  • Financial Aid
    • Financial Aid and FAFSA
    • Scholarship Information
    • Types of Loans
  • Resources
    • Teacher Name and Email Addresses
    • SHS Counselor Classrooms >
      • How to Submit an Honors/AP Contract to a Counselor's classroom
      • How to Submit an Online Social Science Form
    • Shark Scheduler-Class Descriptions
    • Forms
    • CTE Pathways
    • Cal Grant Info