California Dream Loan

Steps to Receive the Dream Loan

Accepting the Dream Loan

The Office of Financial Aid offers California Dream Loans to eligible students who meet the program's priority eligibility requirements or have contacted our office to put in a request. Loan offers are made during the fall term, between the start of the semester and the University Census date.

If you are offered a California Dream Loan, you will receive an email with instructions for accepting or declining the loan within 30 days. Accept your Dream loan offer via Titan On-line and then select Student Homepage. Click on the Financial Aid tile and ensure you are in the correct aid year. Review the amounts, if you wish to borrow a lesser amount, check the Reduce box then enter the new loan amount in the Accepted column

Students who accept the California Dream loan must complete a promissory note and entrance counseling yearly.

If you fail to complete all the required steps to receive your loan funds by the assigned deadline, your loan will be canceled. Funds are limited and you may not be awarded the funds again at a later date.

Requirement: Complete the Master Promissory Note and Entrance Loan Counseling 
The Master Promissory Note requires References, and these references cannot share the same address. 
Once you accept your loan, the loan entrance counseling requirement and the master promissory note will be posted on your Student Homepage as "to do" items. You will receive an email from ECSI with instructions for completing these items. Once we receive confirmation that you have completed them, they will be removed from your "to do" list.

How to Complete the Dream Loan MPN and Counseling | ECSI Login Instructions

Required Information

1. CWID
2. Date of Birth
3. Name
4. Pin Number (Generated by ECSI)

Login Instructions

1. Go to the ECSI Log In Website
2. Click 'Get Started'
3. On the screen it will be ask for SSN (use your CWID in place of the SSN), First Name, Last Name, Date Birth
4. Click Submit
5. Click Authenticate Me
6. Enter your ECSI PIN

Retrieving ECSI PIN

1. Enter Name in the Required Field
2. Last four Account Number (Last 4 digits of your CWID number)
3. Enter your Date of Birth
4. Enter your Zip Code
5. Submit

Once you log in, complete the required field. The counseling requirement requires you to provide two references. Your references may not use the same address. Each reference must have their own address.

Repayment

You begin repaying your loan at the end of a 6-month grace period. The grace period begins once you graduate, leave school, or enroll in less than half-time.

California Dream Loans are set-up to be repaid in monthly installments over a 10-year period and have a minimum payment of $50 a month. You can pay off your loan earlier without penalty.

For Assistance Contact ECSI

If you are unable to receive your PIN/Password, please contact ECSI at 1-888-549-3274, before attempting to continue.

If you borrowed a Dream Loan(s) previously and have questions about your account, please use the following contact information:

• Contact the ECSI - Dream Loan - Servicer at 1-866-313-3797. 
• Or go to ECSI.