加州梦想贷款

的 California (CA) Dream Loan is borrowed m一个y you must repay with interest. 的 CA Dream Loan is a subsidized loan program for undergraduate and graduate students with a valid CA Dream Act application and a valid AB540 affidavit or “U” Visa on file with San Jose State University. You must attend at least half time (6 or more units per semester) in order to receive the CA Dream Loan. 

Thumbnail of What is the California DREAM Loan Program?

Interest Rate, Deferment, and Grace Period

  • Interest rate for loans disbursed on or after July 1, 2023: 5.50%
  • Interest rate for loans disbursed on or after July 1, 2022: 4.99%
  • Interest rate for loans disbursed on or after July 1, 2021: 3.73%
  • Interest rate for loans disbursed on or after July 1, 2020: 2.75%
  • Interest rate for loans disbursed on or after July 1, 2018: 5.05%
  • Interest rate for loans disbursed on or after July 1, 2017:  4.45%

的 interest rate for the CA Dream Loan corresponds with the interest rate on Federal Direct Subsidized loans and is subject to change for new loans annually. CA梦 Loan does not accrue interest while enrolled at least half time, during periods of approved deferment, and during the 6-month grace period before entering repayment. Borrowers will be responsible for the interest charged at all other times. 

偿还贷款

加州梦想贷款 are set up to be repaid in monthly installments over a 10-year period and have a minimum payment of $50 a month. Borrowers can pay off loans earlier 而不受惩罚. Repayment begins at the end of a 6-month grace period. 的恩典 period begins once you graduate, leave school, or enroll less than half time.  

Income-Based Repayment Option

CA Dream Loan borrowers have a standard repayment and income-based repayment plan 可用. For more information visit the ECSI网站. Under Download 形式, search for California State University (Dream 贷款).

贷款限制

CA梦 Loan is subject to annual, semester, and aggregate limits set by the state legislature, the CSU Chancellor’s Office, and 菠菜网lol正规平台. 的 annual loan limit is $4,000 and the semester limit is generally $2,000. 的 aggregate limit of $20,000 is the maximum that can be borrowed from the CA Dream Loan program at 菠菜网lol正规平台. 

Eligibility for the CA Dream Loan

Because funds are limited, you will be notified by the 金融援助 Office if you meet the eligibility criteria for the CA Dream Loan. 的 application process will be explained in emails sent to your 菠菜网lol正规平台 email account, and in the To Do List items 在My菠菜网lol正规平台.

You may decline the loan offer or accept less than what is offered to you, but funds are limited, and you may not be able to increase your loan at a later time. 学生 who accept the CA Dream Loan must complete a promissory note and entrance counseling.

If you fail to complete all the required steps to receive your loan disbursement by the assigned deadline, we may cancel the loan offer. Funds are limited, and you may not be awarded the funds again at a later date.

Please note: Receipt of funds in 一个 year does not guarantee availability or receipt of funds in subsequent years.