The California Dream Loan authorized by the SB1210 is a low-interest subsidized loan for AB540 students with financial need who meet all other financial aid eligibility requirements.
If you would like to receive the Dream Loan, you will need to complete the following process:
Step 1. Complete an Office Action form to request the Dream Loan be added to your award.
Step 2. After your loan has been added to your award, you will receive an email from ECSI advising you to complete the required online process (Master Promissory Note, entrance loan counseling and Truth In Lending Agreement documents).
This email will contain a Heartland PIN that will be required for successful login and authentication. Please wait to receive this email before proceeding to Steps 3 and 4. If you try to complete the following steps before getting the email notice from ECSI, you might not be able to login or you might have to redo the whole online process when ECSI have your file ready. Check all email folders, including your spam folder, for this email.
Step 3. After receiving the email described in Step 2, complete the Master Promissory Note/entrance loan counseling (combined with the Truth In Lending Agreement documents) at https://www.ecsi.net/promuc1/.
Step 4. Select the promissory note/entrance loan counseling process to proceed. This process consists of the Master Promissory Note, entrance loan counseling (a small multiple choice quiz) and Truth In Lending Agreement documents (includes references). Once you have completed the process online, ECSI will send the electronic data to Cal State East Bay after the mandatory rescission period (about 3 business days after the online process is completed) ends, your loan requirement checklist will be updated after we receive this data.
Cal State East Bay uses your 9-digit California Dream Act ID number, instead of a Social Security number, to identify your records for the Dream Loan. The California Dream Act ID number was provided to you on your California Dream Act Application Confirmation Page. This number begins with 3 or 4 zeroes, and is 9 digits long. Please reference the tips below to successfully complete your online processes: