University Loans

The Financial Aid & Scholarships Office recommends borrowing only what you need to pay for your educational expenses. Loans are repayable resources that will enter repayment when you graduate, stop attending school, or drop below half-time status. It is important that you take a moment to:

  • Create your in-school budget to estimate how much you will need to borrow each school year
  • Review the terms and conditions of each loan you borrow
  • Track your loan history

UC Davis offers university based loans which have interest rates ranging from 3% to 8% which accrue once the borrower ceases to be enrolled at least half-time. These loans are made on the basis of financial need. Review the promissory note and disclosures statements for additional information about deferment periods and repayment schedules.

Minimum award: $200

Maximum award: $4,000

Loan Servicer:

ACS, Inc. – Education Services

Phone Number: 866-575-4517 

Institutional Loan Highlights
University Student Loan
  • Awarded to qualifying students that demonstrate financial need and file an educational expense appeal. 
  • Funds are awarded to assist with additional living expenses, child care, and 1st time computer purchase.
  • Limited funding may also be available for summer
  • Interest rate: 5%
  • Processing fees: N/A
  • Deferment period: 6 months
  • Does not require a credit check