UC Santa Cruz offers many loans, including UC University Loans, Federal Perkins Loans, William D. Ford Direct Loans, Dream Loans, and Noyce Scholarship Loans. All loans are awarded by the UCSC Office of Financial Aid and Scholarships as a part of a student's financial aid package. If your financial aid package includes a loan, you will need to go on to your Student Portal to view your official award letter from the UCSC Financial Aid and Scholarship Office and accept the loan. You will also find a loan promissory note, information on required loan entrance interviews, and other processing information on your “To Do” list.
Applications for all loans must be filed at the UCSC Office of Financial Aid and Scholarship. Contact the Financial Aid and Scholarship Office for up to date information on all loan requirements.
All direct loan inquiries must go through the Direct Loans website.
For Perkins and Dream Loan inquiries please access the ACS Borrower Services website or call ACS at 1-866-575-4517. You can also call Student Business Services at 831-459-4699.
If you are accepting a Perkins or University Loan from Financial Aid, it will not be part of your Direct Loan package. Perkins, Dream, and University Loans belong to UCSC and are serviced separately by ACS. Direct Loans are repaid to the Direct Loan Servicer (Nelnet, Navient, Great Lakes, or Fed Loans), and Perkins, Dream, Noyce, and University Loans are repaid to ACS.
If you are in repayment, your Perkins, Dream, Noyce, University, and GTSRS loans are handled through the Student Business Services office and ACS.
Direct Loans are repaid separately to the Direct Loan Servicer (Nelnet, Navient, Great Lakes, or Fed Loans). Note: If you have a Perkins loan, then you likely also have a Direct Loan. This means that you have two kinds of loans, and pay two separate companies. If you desire to only pay one company, you can consolidate at: www.studentloans.gov
Upon separation from UCSC please complete your Exit Counseling (find the link on your portal), and visit the ACS Borrower Services website (or your Direct Loan Servicer website) to update your address, make payments, or review your loan status.
What if I can’t pay? Please note that all the above loans have Deferment and Forbearance options. This means that you can “press the pause button” on your loan repayment, for example when you are unemployed, back in school, or earning a low income. You must submit a form (and in some cases a pay stub) in order for a deferment to be placed. To put loans in forbearance, all you need to do is call or email The Loan – Financial Specialist: 831-459-4699 or e-mail email@example.com. You can also call SBS’s main number at 831-459-2107.