All Federal loans require a minimum of half time enrollment (6 credits or more for undergraduate or postbaccalaureate students, 5 credits or more of 501 level courses for graduate students).

Click here for Federal Loan Cohort Rate

While every student would love to have a financial aid award package full of scholarships and grants, the reality is that most students will have to use at least some loans. To make informed decisions in their best interest, students must understand the available options. The Office of Financial Aid provides important information and links to additional resources. Please click on a tab below to get started.

• Direct Student Loans
• Parent PLUS Loan
• Graduate PLUS Loan
• Private Education / Alternative Loans
• Loan Repayment Information

For lender contact information refer to the Student Loan Websites and Phone Numbers.

Click on the link to review CWU's  Student Loan Code of Conduct

STUDENT LOAN BORROWERS HAVE AN ADVOCATE AT THE
WASHINGTON STUDENT ACHIEVEMENT COUNCIL(WSAC)

WSAC’s student loan advocate will provide unbiased, reliable, and timely information to student loan borrowers about a variety of repayment issues. Some of these include student debt forgiveness or discharge, complaints with student loan servicers, and income-driven repayment. Learn more at www.wsac.wa.gov/loan-advocacy

ASK WSAC'S STUDENT LOAN ADVOCATE ABOUT: 

1. Income-driven repayment (IDR)
2. Public service loan forgiveness
3. Delinquency and default
4. Deferment and forbearance
5. Total and permanent disability discharge
6. Closed school discharge
7. Consolidation
8. Other student loan questions

COMMON TERMS

• Loan servicer. A loan servicer is a company that handles the billing and other services on your federal student loan.
• Direct loans. A federal student loan borrowed directly from the U.S. Department of Education to attend a participating school.
• Loan discharge. Cancellation of a borrower's obligation to repay all or a portion of the remaining principal and interest owed on a student loan.
• Direct consolidation loans. When borrowers combine many loans into one new loan.
• Discretionary income. The difference between your annual income and 150 percent of the poverty guideline for your family size and state of residence.