Student Loans
As you make the important decision on what college or university to attend for yourself or your children, let Cal Coast help you fund your education with our various student loan options customized to fit your needs.
Student Loan Options Made For You
Get the money you need to help make higher education happen with student loan options from Cal Coast in partnership with Sallie Mae®. You'll enjoy multiple repayment options, competitive interest rates, and no prepayment penalty.¹
Loans for Undergrad & Career Training
Pay for your expenses as you pursue higher education with the following Smart Option Student Loan® options offered:
- Bachelor's Degree: Pay for your undergraduate expenses including housing, tuition, and textbooks.
- Associate Degree: Pay for you associates degree expenses from a community college or accredited university.
- Certificate at a Degree-Granting School: Pay for a postsecondary certificate program from a degree granting school.
- Career Training: Pay for professional training and trade certificate courses (culinary, technical, etc.) at a non-degree granting school.
Loans for Graduate School
Pay for your expenses as you pursue your master’s and doctoral degrees with the following graduate school loan options offered:
- MBA Loan: Pay for your business school expenses as you pursue your Masters of Business Administration degree
- Medical School Loan: Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine
- Dental School Loan: Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics
- Graduate School Loan for Health Professions: Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs
- Law School Loan: Pay for your school and associated expenses as you study for your law degree
FAFSA® (Free Application for Federal Student Aid)
If you’re a dependent student, you’ll need to provide the following:
- Your Social Security number
- Your parents' Social Security numbers (if applicable)
- You and a parent will need a FSA (Federal Student Aid ID)*
*To access the FAFSA and sign the form electronically. Your FSA ID must be obtained at studentaid.gov before you start the FAFSA, and we recommend applying 3-5 days before you plan on starting the FAFSA.
Deadlines: Academic Year 2025-2026
FAFSA Deadline: June 30, 2025
Cal Grant Deadline: March 3, 2025
To take full advantage of California’s financial aid programs, make sure to submit your FAFSA before 3/3/2025. Your FAFSA is required to qualify for the Cal Grant. See more deadlines.
FAFSA tips to keep in mind
- Filing the FAFSA is free—you should never be asked to pay to complete the form.
- If your financial aid status has changed, you must complete the FAFSA with the information required, and then follow up with your school’s financial aid office for further advice.
- To be eligible for federal financial aid, you must file the FAFSA for each year you’ll be in school.
Apply Now
Webinar: How to Pay for College
In this webinar Jeff Lackey, from Sallie Mae, provides information on how to navigate the onerous process of paying for college. You will explore various ways to save for college, tuition payment options, including grants, loans, and scholarships, as well as strategies for minimizing the cost of college.
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- Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.
These loans are made by Sallie Mae Bank. California Coast Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.
Borrow responsibly: students and families are encouraged to start with savings, grants, scholarships, and federal student loans to pay for college. Evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.
Smart Option Student Loan: Loans for Undergraduate & Career Training Students are not intended for graduate students and are subject to credit approval, identity verification, signed loan documents, and school certification. Student must attend a participating school. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.
MBA Loans are for graduate students in an M.B.A. program at participating degree-granting schools and are subject to credit approval, identity verification, signed loan documents, and school certification. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.
Medical School Loans are for graduate students in an M.D., D.O., D.V.M., V.M.D., or D.P.M. program at participating degree-granting schools and are subject to credit approval, identity verification, signed loan documents, and school certification. Graduate Certificate/Continuing Education coursework is not eligible. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.
Dental School Loans are for graduate students in a D.D.S. or D.M.D. program at participating degree-granting schools and are subject to credit approval, identity verification, signed loan documents, and school certification. Graduate Certificate/Continuing Education coursework is not eligible. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.
Graduate School Loan and Graduate School Loan for Health Professions are for graduate students at participating degree-granting schools and are subject to credit approval, identity verification, signed loan documents, and school certification. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.
Law School Loans are for graduate students in a J.D. or L.L.M. program at participating degree-granting schools and are subject to credit approval, identity verification, signed loan documents, and school certification. Graduate Certificate/Continuing Education coursework is not eligible. Student or cosigner must meet the age of majority in their state of residence. Students who are not U.S. citizens or U.S. permanent residents must reside in the U.S., attend school in the U.S., apply with a creditworthy cosigner (who must be a U.S. citizen or U.S. permanent resident), and provide an unexpired government-issued photo ID. Requested loan amount must be at least $1,000.
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