University of California, Irvine

Office of Financial Aid and Scholarships

Federal School Code 001314

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University Loan


  • All full- and half-time undergraduate students in a degree program
  • U.S. citizens or eligible non-citizens


  • File the Free Application for Federal Student Aid (FAFSA)
  • You must file the FAFSA by the March 2 deadline each year to continue to be considered for the loan


  • Based on financial eligibility
  • Due to limited available funding these loans are generally made to students with relatively low Expected Family Contributions (EFCs).


  • Annual amounts depend on financial need and other aid received
  • Maximum award is $3,100


  • Your file must be complete by the published priority deadlines
  • You must file your FAFSA by the March 2nd deadline and submit all requested documents by the deadlines specified

Details about the University Loan

A University Loan is a loan provided by The Regents of the University of California to students who demonstrate financial aid eligibility. Undergraduate, graduate, and medical students may be awarded up to $3,000 per academic year.

Interest rate - 5% per year during repayment

Grace Period - Six to nine months after you graduate, leave school or drop below half-time enrollment. Refer to your promissory note for specific information.

Deferment - Information regarding deferments will be provided at your exit interview. Also, you may refer to your promissory note for the information.

Full repayment - up to 10 years

Minimum repayment - $90 quarterly (three month period)

Sample Repayments for University Loans at 5.0% interest:

Total Loan

View customized loan repayments using this calculator

To obtain a University Loan you must complete the:

  • Promissory Note
  • Truth-in-Lending Statement
  • Loan Information Sheet
  • Statement of Understanding
  • Private Loan Applicant Self Certification Form
  • H-19 Private Education Loan Approval Disclosure

If you are awarded a University Loan, complete instructions will be given to you from the "My To Do List" section of "My Aid" and forms will be available for you to print from the "Print My Forms" section.

It is your responsibility to read and understand the forms completely before signing.

Once you complete the documents, return them to the Financial Services office, 101 Aldrich Hall, Irvine, CA 92697-3010 in order to continue processing the loan.

Note: Failure to return the completed forms will delay the disbursement of your loans.

Prior to leaving school or dropping below half-time University Loan borrowers must complete exit counseling.

For questions regarding your University Loan you should contact Financial Services at (949) 824-7310 or 101 Aldrich Hall, Irvine, CA 92697-3010.

The State of California requires that you be told the following:

Students considering student loans need to be aware of the differences between federal student loans and private student loans:

  • Federal student loans are required by law to provide a range of flexible repayment options including, but not limited to, income-based and income-contingent repayment plans, as well as loan forgiveness benefits that private lenders are not required to provide.
  • Federal direct loans are available to most students regardless of income. Other qualification criteria do apply. For more information, please visit
  • Private student loan lenders can offer variable interest rates that can increase or decrease over time, depending on market conditions.
  • The interest rate on a private loan may depend on the borrower's and/or co-signer's credit rating.
  • Private student loans have a range of interest rates and fees and students should determine the interest rate of, and any fees associated with, the private student loan included in their financial aid award package before accepting the loan. Students should contact the lender of the private student loan or their UC campus' financial aid office if they have any questions about a private student loan.

Some UC campuses offer students their own private (institutional) student loans. Students offered a UC institutional private student loan should know that:

  • Interest rates on UC loans will be fixed, not variable
  • UC loans can have a range of interest rates
  • UC loans are not awarded based on the credit history of the borrower
  • UC loans do not require a co-signer for borrowers 18 years of age or older

(Reviewed 4/06/2016 - BS)


Hours: 10am-5pm Monday to Friday
102 Aldrich Hall, Irvine, CA 92697-2825
Tel: (949) 824-8262
Fax: (949) 824-4876 (fax)

© 2019 The Regents of the University of California

About UCI
The State of California requires that you be told the following:
Federal student loans are available to most students regardless of income and provide a range of repayment options including income-based repayment plans and loan forgiveness benefits, which other education loans are not required to provide.