Student Loans

As you make the important decision on what college or university to attend for yourself or your children, let Cal Coast help you fund your education with our various student loan options customized to fit your needs. 

Student Loan Options Made For You

Get the money you need to help make higher education happen with our student loan options from Cal Coast in partnership with Sallie Mae®


  • Competitive variable and fixed interest rates
  • Multiple repayment options
  • No origination fee or prepayment penalty1

Smart Option Student Loan® for Undergraduate Students

Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school.

Graduate Programs

Loans for Graduate School

Pay for your expenses as you pursue your master’s and doctoral degrees with the following graduate school loan options offered:

  1. MBA Loan: Pay for your business school expenses as you pursue your Masters of Business Administration degree
  2. Medical School Loan: Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine
  3. Dental School Loan: Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics
  4. Graduate School Loan for Health Professions: Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs
  5. Law School Loan: Pay for your school and associated expenses as you study for your law degree
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FASFA® (Free Application for Federal Student Aid)

If you’re a dependent student, you’ll need to provide the following:
  • Your Social Security number
  • Your parents' Social Security numbers (if applicable)
  • You and a parent will need a FSA (Federal Student Aid ID)*

*To access the FAFSA and sign the form electronically. Your FSA ID must be obtained at before you start the FAFSA, and we recommend applying 3-5 days before you plan on starting the FAFSA.

Submission time frames:

Academic year 2024-2025: Submit your FASFA between December 1, 2023 and June 30, 2024

Academic year 2025-2026: Submit your FASFA between October 1, 2024 and June 30, 2025

FASFA tips to keep in mind:

  • Filing the FAFSA is free—you should never be asked to pay to complete the form.
  • If your financial aid status has changed, you must complete the FAFSA with the information required, and then follow up with your school’s financial aid office for further advice.
  • To be eligible for federal financial aid, you must file the FAFSA for each year you’ll be in school.


Apply Now

Webinar: How to Pay for College

In this webinar Jeff Lackey, from Sallie Mae, provides information on how to navigate the onerous process of paying for college. You will explore various ways to save for college, tuition payment options, including grants, loans, and scholarships, as well as strategies for minimizing the cost of college.

See More Webinars

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These loans are made by Sallie Mae Bank or a lender partner. California Coast Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers.

Borrow responsibly: students and families are encouraged to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

Smart Option Student Loan and graduate loan products:  This information is for borrowers attending degree-granting institutions only. Smart Option Student Loan information is for undergraduate borrowers only.  You must be attending a participating school located in the U.S. or have attended one during an eligible prior enrollment period. You must be a U.S. citizen or a permanent resident or a Non-U.S. citizen borrower with a creditworthy cosigner (who must be a U.S. citizen or permanent resident) and required U.S. Citizenship and Immigration Service (USCIS) documentation.  U.S. citizens and permanent residents enrolled in eligible study abroad programs or who are attending or have attended schools located outside the U.S. are also eligible.  For the Dental School Loan, Law School Loan, MBA Loan, and Medical School Loan, students must be enrolling in a graduate-level degree program in a field of study that is eligible for the loan and Graduate Certificate/Continuing Education coursework is not eligible.  Applications are subject to a requested minimum loan amount of $1,000.  Current credit and other eligibility criteria apply.

  1. Although we do not charge you a penalty or fee if you prepay your loan, any prepayment will be applied as provided in your promissory note: First to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal.


    ©2023 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

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