Loans made through the RAM Loan Program are low-interest student loans for undergraduate and graduate students who demonstrate financial need. CSU is the lender and loan servicer.


In order to be eligible for an institutional loan, you must:

  • Be enrolled at least half time (6 credit hours undergraduate/ 5 credit hours graduate or professional)
  • Meet Satisfactory Academic Progress (SAP) criteria
  • Have demonstrated financial need via FAFSA or CASFA
  • Be admitted to an undergraduate or graduate degree program
  • Complete one-time RAMLoan Master Promissory Note (MPN) and Entrance Counseling (lasts up to 10 years)
  • Complete a yearly questionnaire
  • Not be in default on any Federal loans

Loan terms:

  • It does not accrue interest while you are enrolled
  • Repayment will not begin until 6 months after you graduate, drop below half time enrollment status, or leave CSU
  • There are no origination fees
  • The interest rate will be a minimum of 5% fixed, but will increase to match the Federal Direct Loan interest rate if it exceeds 5%
  • Colorado State University is your lender for this loan; once your loan enters repayment you will make payments back to CSU
  • Funding is limited so the actual amount may vary from year to year. Awards will not exceed $5,000


  • Minimum payment amount of $40 per month once you enter repayment
  • Maximum repayment schedule of up to 10 years
  • For information on forbearance for financial hardships, military deferment or death cancellation please contact Accounts Receivable Operations