Federal Aid

The Financial Aid Office offers Federal Work-Study and federal loans to law students.

Federal Work-Study

Federal Work-Study allows graduate students to earn money to help cover non-billable educational expenses by working at Santa Clara University or at authorized nonprofit organizations. For more information, view our Federal Work-Study Employment Information Guide.

  • Need-based
  • FAFSA required

Federal Direct Loan

The William D. Ford Federal Direct Loan program provides low-interest loans for graduate students to help pay for their educational expenses.

  • Non need-based
  • FAFSA required
  • Must be enrolled at least half-time
  • 6.0% fixed interest rate
  • 1.069% origination fee for loans with a first disbursement date on or after October 1, 2016 and before October 1, 2017
  • 1.066% origination fee for loans with a first disbursement date on or after October 1, 2017 and before October 1, 2018
  • Unsubsidized
  • 6-month grace period before repayment
  • Must complete Entrance Counseling and a Master Promissory Note (MPN)

Graduate Federal Direct Loan Limits

  • $20,500 annual borrowing limit
  • $138,500 maximum aggregate borrowing limit

IMPORTANT: When considering borrowing a federal student loan, you should also understand repayment options.


Federal Perkins Loan

The Federal Perkins Loan programs provides low-interest loans for students to help pay for their educational expenses.

Loan Limit

  • Eligible graduates may be awarded up to $8,000 annually; not to exceed $60,000 cumulative.

NOTE: Santa Clara University is the lender for the Federal Perkins Loan and Heartland ECSI our loan servicer.


Federal Direct Graduate PLUS Loan

The William D. Ford Federal Direct Graduate PLUS Loan provides an additional borrowing option for law students.

  • Non need-based
  • FAFSA required
  • Must be enrolled at least half-time
  • 7.0% fixed interest rate
  • 4.276% origination fee for loans with a first disbursement date on or after October 1, 2016 but before October 1, 2017
  • 4.264% origination fee for loans with a first disbursement date on or after October 1, 2017 and before October 1, 2018
  • Unsubsidized
  • Must complete Entrance Counseling & a Master Promissory Note (MPN)

After you complete the Free Application for Federal Student Aid (FAFSA), and receive a Financial Aid award from the Financial Aid Office, you may apply for a Federal Direct PLUS Loan at StudentLoans.gov.

NOTE: If you are denied a Federal Direct Graduate PLUS Loan due to credit issues, you have the following options:

  • You may be approved with an endorser (co-signer)
  • You may appeal the credit decision directly with the Direct Loan Department at StudentLoans.gov or by calling 1-800-557-7394

IMPORTANT: When considering borrowing a federal student loan, you should also understand repayment options.


Private Aid

Private Scholarships

In addition to Santa Clara University, there are plenty of scholarships sponsored by corporations, civic organizations, religious organizations and other groups.

NOTE: If you have been awarded a scholarship from an outside organization, please provide the donor with our contact information. All correspondence and scholarship checks should be sent to the Financial Aid Office.


Private Educational Loans

Private Educational Loans allow graduate students who have exhausted or who are ineligible for federal aid an alternate means of borrowing to help pay for their educational expenses.

Private loan providers have their own application and repayment terms, you should review all terms and disclosures before applying for one of these credit-based loan alternatives.

As you are considering financial aid programs, you may want to learn how to apply for financial aidhow we determine financial aid, the costs and other consumer information.