supportFinancial aid counseling is available for all students. Up to $11,000 in student loans may be paid for students who go on to teach in eligible California schools through the Assumption Program of Loans for Education (APLE).

For those who become credentialed in mathematics or science and who teach those subjects in eligible California schools, up to $19,000 in student loans may be forgiven through APLE

Undergraduate students pursuing a Math or the Sciences (Biology, Chemistry, Geo-science, or Physics) degree may be eligible for a scholarship of up to $2500 per year as part of the Future Math and Science Teacher Scholars Program.

Math and Science students may be selected for a paid summer fellowship at Lawrence Livermore National Laboratory before they start at their teaching positions.

Types of aid:

  • There are two general types of aid:  Grants/scholarships and loans.  The major different between the two is that the loans need to be repaid, whereas grants and scholarships do not.
  • Interest rates for loans vary, as do the time requirements for repayment of the principal and interest; your financial aid counselor will help you find the most beneficial mix and the most favorable loans.  Some loans for teachers can be “forgiven”.
  • For example, up to $11,000 in student loans may be paid for students who go on to teach in any single subject area in eligible California schools through the Assumption Program of Loans for Education (APLE).
  • For those who become credentialed in mathematics or science and who teach in eligible California schools, up to $19,000 in student loans may be forgiven through APLE.
  • Federal Pell Grants and California Cal Grants and State University Grants are good examples of programs that give financial assistance based on a student’s financial needs; these do not need to be repaid.
  • Students who meet federal income requirements may also be eligible for Work/Study positions. Work/Study provides you with pay for work on campus and/or in the community, work that is often related to your career.
  • There are new financial support programs for teachers that  may become available in the near future.  Your financial aid counselor will keep you up to date on these.
  • Work/Study positions and paid tutoring positions may also be available.
  • Qualified math and Science students may be selected for a paid summer fellowship at Lawrence Livermore National Laboratory before they start at their teaching positions.

Financial Aid Programs

APLE Assumption Plan of Loans for Education

A teaching incentive program for students, out-of-state teachers and district interns to become California teachers in critical subject areas or designated schools.
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Cal Grants A, B & C

Financial aid for low- and middle-income students who have not earned a BA. Aid may be extended for a fifth year for people pursuing a teaching credential. Cal Grant A can be used for tuition and fees. Cal Grant B can be used for living expenses, books, tuition and fees. Cal Grant C can help pay for tuition and training costs at an occupational or career college.
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Cal HFA

The Extra Credit Teacher Home Purchase Program (ECTP) helps make first-time homeownership a possibility by providing a deferred-payment junior loan for down payment assistance (from $7,500-$15,000, depending on the property location, or 3% of the purchase price, whichever is greater).
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California State Teachers’ Retirement System (CALSTRS)

The largest U.S. teachers’ retirement fund provides defined (lifetime) benefits for service retirement, survivor benefits and disability retirement.
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CalSTRS Home Loan Program

Whether purchasing a new home, refinancing to lower payments, or taking cash out, the CalSTRS Home Loan Program offers competitive rates on a variety of mortgage loan programs.
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Community College Transfer Entitlement Award

This award is given to California community college transfer students who were not awarded Cal Grant As and BS within a year after graduation from high school.
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Extra Credit Teacher Home Purchase

Public agencies such as cities and counties are permitted to use CDLAC tax credits or mortgage revenue bonds to support a program to recruit and retain teachers.
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FFEL Federal Family Education Loan

These are subsidized or unsubsidized loans available to either graduate or undergraduate students enrolled in at least half-time attendance at a college or university.
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FFEL Loan Forgiveness

This program is designed to encourage individuals to enter into and continue in the teaching profession. The program pays up to $5,000 after the fifth year of teaching on outstanding loan balances.
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Federal Supplemental Educational Opportunity Grant (FSEOG)

This program is for undergraduates with exceptional financial need. This does not have to be repaid.
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Federal Work-Study

This program provides part-time jobs for undergraduate and graduate students with financial need.
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Good Neighbor Next Door

Teachers can purchase HUD homes at 50% off list price in HUD designated revitalization neighborhoods. Reduced down payments are available with FHA insured mortgages.
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National Board Certification Incentive Program

An additional $20,000 is awarded to the recipient for service in low-performing schools.
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Pell Grants

This federal grant money is available to undergraduate students pursuing their first degree. Students must meet eligibility requirements.
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Perkins Loans

This is a federal loan program in which the funds you can receive depend on whether you’re an undergraduate student or a graduate or professional student.
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Robert C. Byrd Honors Scholarship Program

This is a federal funded program in which scholarships are awarded solely on the basis of academic merit and may be renewed for up to four years.
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Stafford Loans

Loan limits depend on what year you are in school, whether you’re a dependent student, and whether you are receiving “subsidized” or “unsubsidized” loans.
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Troops to Teachers

The program provides a link between current and prior armed service members who desire to pursue a career in education by providing counseling, financial and placement assistance.

Resources

For financial support, contact: California Student Aid Commission

1-888-CA-GRANT (1-888-224-7268)
www.csac.ca.gov

EdFund

1-877-2EDFUND (1-877-233-3863)
www.edfund.org

TEACH California

www.teachcalifornia.org

No Child Left Behind

www.cde.ca.gov/pr/nclb

CBEST Information

www.cbest.nesinc.com

CSET Information

www.cset.nesinc.com

Ed-Join

recruit.edjoin.org

California Commission on Teacher Credentialing

www.ctc.ca.gov