Contact Us |  

Search form


Health Professions Student Loan

A Health Professions Student Loan (HPSL) is a subsidized low-interest loan limited on the UC Berkeley campus to Optometry students. To be considered for an HPSL, Optometry students need to include parent information on their Free Application for Federal Student Aid (FAFSA), regardless of their independent status for all other programs.  

Although the loan is made with government funds, Berkeley contributes a share and is your institutional lender; hence, you repay this loan to Berkeley. Beginning in mid-August 2017, the servicer of your loan will be ECSI.

If you have left the university and have questions about your HPSL, please send them to

Complete Loan Requirements: Students accepting an HPSL loan will be required to complete a Master Promissory Note, Entrance Counseling, and Truth-in-Lending documents. Due to a transition to a new loan servicer in summer 2017, instructions on how to complete the HPSL requirements will not be finalized until after mid-August 2017. Students who accept an HPSL loan will receive an email from ECSI, the new loan servicer, in late August with the instructions on how to complete the loan requirements.

See the Loan Process section below to learn more about the HPSL and what steps you need to complete in order to receive the loan.

What's the Interest Rate?

The interest rate for an HPSL is 5.0%

How Much HPSL Can You Borrow?

Students typically receive around $7,500 of HPSL per academic year. Annual loan amounts can vary and are determined each year based on fund availability. 

The Loan Process

Once you've decided to borrow a federal student loan, you need to complete required processes before the loan pays out (disburses).


Step 1: File a FAFSA at

Step 2: If you are deemed eligible, you will need to submit an HPSL Verification Form. You may access the form through the My Finances section of CalCentral.

Step 3: Once the HPSL Verification Form has been approved, you will be offered an HPSL Loan and notified of this offer via email.

Step 4: Accept your loan online.

Step 5:   Due to a transition to a new loan servicer in summer 2017, instructions on how to complete the HPSL requirements will not be available until mid-to-late August 2017. Students who accept an HPSL prior to mid-August will receive an email in late August with instructions on how to complete the loan requirements from ECSI, the new loan servicer. Students who accept an HPSL after the conversion process is completed in August will receive the email from ECSI within 2-3 business days of accepting the HPSL.


Berkeley will receive electronic notification from ECSI of each completed online process within 1 to 2 business days.

There is a manditory 3-business-day waiting period from the time you view your Final Stage TILA Disclosure until Berkeley can pay your loan.

After these 3 days, and after verifying that you do not have any holds and that your student file is complete, the loan will disburse to your student account.


Your loan disburses to your student account and pays for any outstanding charges that you have.

If there are no outstanding charges on your student account when the loan is paid, or if your loan disbursement is larger than your total balance, you will receive a refund.

If you are going to receive a refund, you will get a notification from Billing and Payment Services.