In addition to the federal student loan programs, there are a number of educational loan programs offered by private banks and agencies. If you prefer not to borrow from a federal loan program or if the amount available to you from those programs does not meet your needs, you may wish to consider one of the following as a possible resource.

CalEdge Loan
The CalEdge Loan allows undergraduate, graduate and credential students enrolled at least half-time to borrow from $1500 to the "cost of education," less any financial aid the applicant may receive. The interest rate is fixed at 7.80% or 8.25%, there is a 5% guarantee fee and there are three repayment options offered. For more information, call 800-347-4352 or log on to http://www.chelastudentloans.org.

Grad EXCEL
The Grad EXCEL program allows graduate students enrolled at least half-time to borrow from $2000 to the "cost of education," minus any financial aid the applicant may receive. The interest rate is variable, there is a guarantee fee and there are three repayment options available. For more information, call 800-634-9308 or visit the Nellie Mae web site.

CitiAssist Student Loan
The CitiAssist Student Loan is offered by Citibank. The annual loan limit is $15,000 or the cost of education minus any financial aid the applicants may receive, whichever is less. The interest rate varies quarterly and interest payments may be deferred. For further information, call Citibank at 800-745-5473 or visit their web site.

Graduate Access Loan Program
The Graduate Access Loan Program is offered by Access Group, Inc. The annual loan limit is the cost of education minus any financial aid. The interest rate varies quarterly and interest payments may be deferred. For further information, call Access Group at 800-282-1550 or visit the Access Group web site.