Loan Information

San Jose State University
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Deadlines to accept loans:

April 24, 2020 -  for academic year loan, or Spring 2020 only

  • Students should only borrow the amount that is absolutely necessary.
  • It is a good idea to project what your total borrowing needs will be throughout your college career, and to be aware of what the necessary payments will be upon earning a degree.
  • Loans are available for fall and spring semesters. Summer loans are evaluated on a case-by-case basis. Visit Summer Financial Aid for more information.

The amount of the loan is determined by:

  1. Cost of attendance

Responsibility as a borrower

Students must maintain updated information with the U.S. Department of Education Direct Loan Servicing Center. Report the following changes, if any:

  1. Name, address or phone number
  2. Transferring to another school
  3. New graduation date

Entrance Loan Counseling:

Entrance Loan Counseling is an on-line session which addresses interest rates, deferments, and how to avoid default. Students who are first time Direct Stafford loan borrowers with SJSU must complete Entrance Loan Counseling prior to receiving their first loan disbursement; there are no exceptions to this federal requirement.

The Master Promissory Note (MPN):

The MPN is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the Department of Education. The MPN must also be completed for first time Direct Loan borrowers. 

Perkins Loan Counseling:

Students awarded the Perkins Loan must eSign a promissory note and/or borrower information sheet before loans can be disbursed. For additional information on the Perkins Loan, please contact the Bursar's Office at or at 408-924-1601.


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San Jose , United States