Water tower behind red foliage

Important Updates

  • The priority filing date for the 2024-25 FAFSA and CADAA has been extended to May 2, 2024. Visit Apply for Financial Aid for details.
  • The Department of Education has announced they will send information from the 2024-25 FAFSA to schools in mid-March. This may result in a delay in financial aid packaging and offers for the 2024-25 academic year. While awaiting your financial aid offer, we encourage you to utilize the UC Davis Financial Aid Estimator to estimate your potential aid.

University Loans

University Loans

Loans are a form of financial aid that must be repaid. Educational loans have varying fees, interest rates, repayment terms, and/or borrower protections. Financial Aid and Scholarships recommends borrowing only what you need to pay for your educational expenses. Loans 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 to pay for the annual cost of attendance, less any financial aid received. University loans have varying interest rates, fees, and repayment options, and are made on the basis of financial need. Interest accrues once the borrower ceases to be enrolled at least half-time. Repayment generally begins after you graduate or enroll less than half-time. Review the promissory note and disclosure statements for additional information about deferment periods and repayment schedules.

Please note: Non-California residents are not eligible for university student loans. 

Minimum amount: $200  |  Maximum amount: $4,000

University Loan Servicer

Heartland ECSI

Phone Number: (888) 549-3274

Hours: 7:30 AM - 9:00 PM EST, Monday to Friday

University Computer Loan

In keeping with the UC Davis Computer Ownership guidelines, Financial Aid and Scholarships can provide eligible undergraduate and graduate Free Application for Federal Student Aid (FAFSA) filers and undergraduate California Dream Act Application (CADAA) filers at UC Davis with a computer loan for up to $2,500. This loan can be requested once during a student's academic pursuit at UC Davis. The loan request can be submitted as a Cost of Attendance Appeal.

Minimum award: $200

Maximum award: $2,500

Loan ServicerHeartland ECSI 

  • Interest rate: 5%
  • Processing fee: N/A
  • Deferment period: 6 months
  • Does not require a credit check

Jack Liter Loan

  • Offered to students who are experiencing a shortage of funds and have reached the aggregate federal loan limits or are unable to borrow private loans to pay tuition and fees.
  • Students must be in good standing with federal loans and submit an appeal for consideration.
  • The appeal should be typed and include students full name, student identification number, desired loan amount, and a minimum of three (3) credit denial notices.
  • The appeal can be submitted via Contact An Expert.
  • Interest rate: 8%
  • Processing fees: N/A
  • Grace Period: 6 months
  • Does not require a credit check

Fradkin Loan

  • Established by Albert G. and Lillian R. Fradkin
  • Preference given to graduate students in good academic standing performing research in viticulture
  • More information is available at Albert G. & Lillian R. Fradkin Student Loan Fund
  • Interest-free annual loans offered up to the cost of annual graduate student in-state educational fees charged by UC Davis
  • These funds shall be used to pay for living or educational expenses, with preference given to graduate students exhibiting financial need
  • Must be a U.S. Citizen
  • Repayment is to begin one year after a student ceases to be a full-time registered student at UCD or another university
  • Repayment shall be made over no more than 10 years, with the payments going to the Department of Viticultural and Enology and shall be used in making new loan offers