Southern California University of Health Sciences is now a participant of the William D. Ford Federal Direct Loan Program

Direct Loans are low-interest loans for students and parents to help pay for the cost of a student’s education after high school. The lender is the U.S. Department of Education rather than a bank or other financial institution. Direct Loans make loan repayment much easier. Payments go directly to the federal government. Additional information on Federal Direct Loans is available from the Department of Education at or 800-848-0979.

There Are Three Types of Direct Loans for Graduate Students:

  • Federal Direct Subsidized Stafford Loans: These are based on financial need. The government will pay the interest on the loan while the student is in school.
  • Federal Direct Unsubsidized Stafford Loans: Students receive Federal Direct Unsubsidized Stafford Loans regardless of need, but will have to pay all interest charges.
  • Federal Direct Grad PLUS Loans (Plus Loans for Graduate and Professional Degree Students): Graduate and professional degree students may borrow under the PLUS Loan program up to their school’s cost of attendance minus other financial assistance.

Application Procedures

To apply for a Federal Direct Stafford Loan you will need to complete the three steps below:

  • Step 1: Complete the Free Application for Federal Student Aid (FAFSA) by using “FAFSA on the Web” at
  • Step 2: Complete the online loan entrance counseling (required for first time borrowers)
  • Step 3: Complete and sign the electronic Master Promissory Note (if not already signed)

Step 1: Complete the FAFSA Online at

You should have received a Federal PIN from the U.S. Dept. of Education shortly after the first time that you completed a Free Application for Federal Student Aid (FAFSA). The PIN serves as your electronic signature and holds the same legal status as your written signature. You should keep your PIN in a safe place and not share it with anyone. If you do not have a PIN, go to choose either “Apply for a PIN” if you have never had one or “Request for a Duplicate PIN” if you have one but do not know it. Submit your name, social security number, date of birth, and email or mailing address. A PIN will be generated and sent to you. You will have the option of receiving your PIN either through your email account (2-3 days) or your PIN can be mailed to you (7-10 days). FAFSA School Code: 001229.

Step 2: Complete Your Online Entrance Counseling

All new borrowers at The Institute must complete the Federal Direct Student Loan Entrance Counseling. Borrowing a student loan is a serious financial obligation, and the entrance counseling will provide you with the important information you need to know to be able to make an informed decision about student loan borrowing. The entrance counseling must be completed before the Office of Financial Aid will accept and process your loan application.

Complete the online entrance counseling on the Federal Direct Loan Servicing website at This tutorial reviews basic facts about Federal Direct Loans and your rights and responsibilities as a borrower. After you complete the tutorial, you will be required to take and pass a quiz. The tutorial and quiz will take approximately 30 minutes to complete. Once you have passed the quiz, the system will display your quiz results and ask you to choose a school. You may print your passing entrance counseling quiz results along with a copy of your rights and responsibilities by clicking “Retrieve Quiz Results” from the main page.

Step 3. Complete and Sign your Electronic Master Promissory Note (MPN)

First time Direct Loan borrowers must sign a Federal Direct Loan Master Promissory Note (MPN). If you have already signed a Federal Direct MPN previously for another Direct Loan college (online or paper), you do not have to complete a new MPN.

Students now are able to sign their MPN electronically on the web at Log in using your PIN issued by the Department of Education and then select “Complete Master Promissory Note.”

Completing an electronic MPN is very simple and easy. You must complete the entire process in a single session so be prepared and give yourself plenty of time. If you exit the site before signing your electronic MPN, you will be required to start over from the beginning.

IMPORTANT: Before beginning your electronic MPN session:

  • Have your federal PIN ready. If you misplaced your PIN, see the instructions on how to obtain a new PIN.
  • Be ready to provide two references (name, address, and telephone number). These should be people who have known you for at least one year (preferably relatives) who live at different addresses.
  • Remember to always use your full legal name as it appears on your social security card.

Eligibility Criteria

To be eligible for a Federal Direct Loan a student must:

  • be a U.S. citizen or permanent resident alien
  • be taking at least six credit hours and be matriculated in a degree program
  • not owe any refunds on a Pell Grant or other awards received and not be in default on repayment on any type of student loan. Each new student loan recipient will be required to complete entrance counseling before a loan application is processed and attend an exit interview when graduating or terminating from school.

Exit Counseling

Federal regulations require that all student loan borrowers must have an exit interview/exit counseling during their final semester at The Institute. Students may access and complete the exit counseling at This will satisfy all requirements for exit counseling and give the borrower up to date information on their student loan balances. This is the fastest and easiest way to satisfy this requirement.

Private Student Loans

Students taking classes at the for the Institute of Science program are eligible to apply for Private Student Loans. Private student loans are available to both students and parents who need assistance with education costs.

A private loan is not a federal student loan, but one through a private bank or other lending institution. Private student loans are credit-based funding provided by outside, nonfederal lenders to help cover educational costs.

To review and compare some private loan products and begin the application process, you will be directed to the Great Lakes FAST Choice webpage. 

Fast Choice is a private loan application system. At Fast Choice, students and parents are able to search, compare, and apply for private loans. The lenders listed at Fast Choice have offered quality customer service to our students in the past and we expect the same service in the future. They also offer competitive interest rates and lower fees.

Our desire is to assist you as you attend the SCU Institute of Science program and to seek for responsible lenders. We strongly encourage you to review each of the lender’s information to determine which benefits and terms are best for you. 

Take into consideration repayment terms, interest rates, and deferment options before choosing a private loan. Some lenders may require a co-signer for credit reasons. For students who apply through a lender on the Fast Choice website, the loan funds will be disbursed electronically, allowing for an efficient process for the borrower and the school.

First Step

  • See instructions and table below to calculate Cost of Education (COA)
  • To apply for loan go to
  • You may be asked to provide your college/university school name and 8-digit school code. School name: Southern California University of Health Sciences School code: 0012290
  • After completing the loan application, please contact or send an e-mail to our financial aid department to confirm that your application has been approved or denied. Email: or Call 562 -947-8755- ext – 766.
  • In order for the Student Loan office to certify the loan: 
    1. The loan application must be approved
    2. The IOS/SCU application has been submitted
    3. Your class schedule has been created

Helpful Things to Remember About Requesting a Private Education Loan

We advise you to apply for your private loan 4 weeks before your first course starts. This time frame allows for the lenders’ 10 day right to cancel period, class schedules to be created, lenders to pay the tuition, and preparation of any expected living expense reimbursement from the loan.

How to Calculate Cost of Education (COA)

When you request approval for your Private Education Loan you will need to provide to your lender your estimated cost of attendance for the period of enrollment covered by the loan. If you want to borrow a loan to cover only tuition and cost of books then use the minimum COA amount for Line A.

If you need to borrow a loan to cover educational expenses such as tuition, books, room & board, transportation, food etc. – use the Maximum COA figure for Line A


Code of Conduct For Private Education Loans


The Higher Education Act requires Southern California University of Health Sciences (SCU) to develop, administer, and enforce a code of conduct with respect to private education loans. This addresses standards of business for the working relationships between college officials and private loan lenders.
A private education loan is any loan that is not made under Title IV of the HEA and is issued to a borrower expressly for postsecondary education expenses, regardless of whether the loan is provided through the institution that the student attends or directly to the borrower from the lender.

  1. Revenue-sharing Arrangements with Any Lender

    SCU will not enter into any revenue-sharing arrangement with any lender.  Specifically, the institution will not recommend a lender or loan products of a lender in exchange for a fee or other material benefit, including revenue or profit sharing.

  2. Gifts

    No agent for SCU who is employed in the Financial Aid Office or who has responsibilities with private education loans may solicit or accept any prohibited gift from a lending institution. Prohibited gifts include: any gratuity, favor, discount, entertainment (including expenses for shows, sporting events, or alcoholic beverages), hospitality (including private parties of select training or conference attendees), loan, or other item having a monetary value of more than a de minimus amount.  A gift includes services, transportation, lodging or meals whether provided in kind, by purchase of a ticket, payment in advance, or reimbursement after the expense has been incurred.

    An agent of the institution may accept items of a de minimus amount from a private education lender that are offered as general marketing or advertising or to create good will. Examples of de minimus gifts include, but are not limited to: pens or pencils, notepads, sticky-notes, rulers, calculators, small tote bags, calendars, and other office supply items.

  3. Philanthropic Gifts and Contributions to the Institution

    SCU will not accept any philanthropic contributions from a lending institution that are related to the loans that are provided to our students, or that is provided to gain an advantage related to private education loans. In addition, we will not accept scholarships or grants from a private lending institution in exchange for loan applications or referrals for applications, or for a specific volume or dollar amount of private loans received.
    SCU may accept philanthropic contributions from a lender that are not related to the loans provided to our students, or that is not provided in exchange to receive an advantage related to private education loans.

  5. Consulting or Other Contractual Arrangements

    An agent of the institution who is employed at SCU and/or has direct responsibilities with the private education loan programs may not accept from any lending institution any compensation for any type of consulting arrangement or other contract to provide services to or on behalf of the lender.  An agent of the institution can be permitted to engage in these consulting activities as long as they are not employed in the Financial Aid Office or as long as they do not have direct responsibilities related to private education loans.

  6. Choice of Lender

    Agents of the institution will not:

    1. Assign the student’s loan to a particular lender
    2. Encourage or influence the student to choose a specific lender
    3. Show preference for one lender over another
    4. Refuse to certify, or cause delays in loan processing for a borrower based on their choice of lender
  7. Choice of Lender

    Agents of the institution will not:

    1. Assign the student’s loan to a particular lender
    2. Encourage or influence the student to choose a specific lender
    3. Show preference for one lender over another
    4. Refuse to certify, or cause delays in loan processing for a borrower based on their choice of lender
  8. Opportunity Pools

    For purposes of this document, an opportunity pool is defined as a private education loan made by a lender to a student attending this institution or the student’s family member that involves the SCU paying points, premiums, additional interest, or financial support to the lender for the purpose of that lender extending credit to the borrower.

    The institution will not request or accept an offer of funds from an opportunity to be used for private education loans.

  9. Staffing Assistance

    The institution will not request or accept from any lender any assistance with call center staffing or financial aid office staffing.

  10. Advisory Board Compensation

    An agent for the institution with direct private education loan responsibilities may not accept anything of value in exchange for service on an advisory board established by a lending institution. If an agent of the institution without private education loan responsibilities does serve on an advisory board established by a lending institution, the agent may accept compensation for reasonable expenses incurred by that service. 


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