• Perkins – Guaranteed student loan – meaning no credit review required, based on need. Interest rate is fixed. Repayment begins nine months after recipient ceases to be enrolled.  Available to full-time undergraduate students during their senior year based on eligibility requirements.
• Federal Direct Student Loans – Available for eligible students taking at least six credits in coursework that counts toward their degree program.  Not based on credit review.  There are two types: Subsidized and Unsubsidized.  The subsidized is need-based and the U.S. Department of Education pays the interest while the student is enrolled at least half-time. Unsubsidized is not need-based and the interest is accruing from the start of the loan while in school.
• Federal Direct Grad PLUS Loan – Available to eligible graduate students only taking at least six credits in coursework that counts toward their degree program. Fixed rate, credit review is required.
• Federal Direct Plus Loan – For parent of dependent student enrolled in an undergraduate program at least half time. PLUS loan, fixed interest, repayment starts 60 days after full disbursement.
• Federal Grants – Pell Grant and Supplemental Educational Opportunity Grant (SEOG).  Both of these grants are based on need.

First time borrowers

Master Promissory Note – First time borrowers or borrowers attending a new school, and those that have an expired MPN may complete their Master Promissory Note online at www.studentloans.gov for the Federal Direct Subsidized/Unsubsidized student loans and PLUS loans.

Entrance and Exit Counseling - First time borrowers of the Federal Direct Subsidized or Unsubsidized loans are required to do loan entrance counseling, which can be done at www.studentloans.gov or you may contact the financial aid office for assistance.  For loan borrowers of the Federal Direct Subsidized/Unsubsidized loan that are enrolled less than half-time or have ceased enrollment complete your exit counseling online at www.studentloans.gov.

Federal Perkins Loans – Federal regulations require that first-time borrowers of Federal Perkins Loan must complete entrance counseling before the loan can be processed and Loan exit counseling when they are leaving college.  Complete your Loan Entrance Counseling or Loan Exit Counseling online at Mapping Your Future.

Student Loan Debt

Undergraduate degree student loan debt

Academic Year	% of Class who graduated with loan debt	Average amount of loan debt
2012-2013 (Projected)	86%	$ 22,000
2011-2012	85%	$ 21,968
2010-2011	88%	$ 25,712
2009-2010	84%	$ 23,488

Graduate degree student loan debt

Graduate degree student loan debt listed below includes funds borrowed from Federal Direct Subsidized, Federal Direct Unsubsidized and/or alternative student loan programs while in attendance at CSJ.

Academic Year	% of Class who graduated with loan debt	Average amount of loan debt
2012-2013 (Projected)	82%	$ 24,000
2011-2012	81%	$ 27,270
2010-2011	78%	$ 23,532
2009-2010	78%	$ 22,553