Loans are funds that are borrowed to help meet educational expenses. Loans provide funds now, but require future repayment. Interests rates and repayment terms vary for different types of loans. Before you accept a student loan, you should carefully consider the cost of the loan–and the commitment you are making to repay it–against the advantages of borrowing for college expenses.

Students have the option to accept all or only a portion of their loan awards.  You are not obligated to accept any loan funds that have been included on your financial aid award letter.  Additionally, you may return all or a portion of your loan to the University within 120 days of disbursement and we will return the funds the Direct Loan Program. 

Student loans can come from the federal government or from private sources such as a bank or the university. Loans made by the federal government, called federal student loans, usually offer borrowers lower interest rates and have more flexible repayment options than loans from banks or other private sources. Learn more about the .

To review the CSU Student Lending Code of Conduct CLICK HERE.