Assumption Program of Loans for Education

The APLE is a competitive teacher incentive program designed to attract and retain outstanding students into California's teaching profession. For a complete overview of the APLE, see the CSAC website.

Under the provisions of the basic APLE, the California Student Aid Commission may assume up to $11,000* in outstanding educational loans in return for four consecutive years of full-time eligible teaching service in a California K-12 public school. Participants must teach in either:

A designated subject-shortage area identified annually by the State Superintendent of Public Instruction. Current subject-shortage areas include: math, science, business, foreign language, agriculture and education specialist instruction (formerly, special education), or

Schools serving a large population of students from low-income families as designated by the Superintendent of Public Instruction, or

State Special schools serving rural areas, low-performing schools in the bottom 50 percentile of the Academic Performance Index (API), and/or schools having a high percentage of teachers holding emergency permits

APLE participants who agree to provide teaching service in math, science, or education specialist instruction may receive up to $1,000 of additional loan assumption benefits each year. Another annual $1,000 of benefits may be received by persons teaching math, science, or education specialist instruction in a school ranked in the lowest 20th percentile of the API for a maximum total of $19,000. See chart below for breakdown of amounts.

Eligibility Criteria

New applicants must meet the following criteria:

  • -Be accepted into The Master's College Teacher Credential Program (institutional requirement only)
  • -Be a U.S. citizen or eligible non-citizen
  • -Be a legal CA state resident
  • -Have completed a minimum of 60 units prior to the fall 2008 term
  • -Be enrolled in a program leading to a baccalaureate degree or teaching certificate through at least the end of the fall 2008 term
  • -Be enrolled at least 1/2 time
  • -Maintain satisfactory academic progress
  • -Have received for been approved to receive an educational loan through one of the following loan programs: 
    • -FFEL
    • -FDSL
    • -Federal Perkins Loan
    • -Privately funded institutional educational loans
  • -Be in good standing with repayment of any state or federally funded educational grants and/or insured educational loans
  • -Not have completed an initial teaching credential (a preliminary or clear multi- or single subject teaching credential)
  • -Sign an agreement to teach in a California public school for up to four consecutive years after obtaining an initial teaching credential

Eligible Subject/Service Areas

To be eligible to receive loan assumption, a student must credential in and teach:

  • -Mathematics* (Grades 7-12)
  • -Science* (Life/Physical)(Grades 7-12)
  • -Foreign Language
  • -Education Specialist Instruction* (formerly Special Ed)
  • -Business (Grades 7-12)
  • -Agriculture (Grades 7-12)

Or, teach in a:

  • -Low-Income Area Schools
  • -Schools Serving Rural Area
  • -State Special Schools
  • -Schools with a High percentage of Emergency Permit Teachers
  • -Low-Performing Schools

*Eligible for up to an additional $2,000/year



2010-2011 APLE Fact Sheet
APLE Frequently Asked Questions

At this time, APLE applications are not being accepted

Payment Breakdown
Year 1 Year 2 Year 3 Year 4
Credential in and teach:
Foreign Language $2,000 $3,000 $3,000 $3,000 $11,000
Business $2,000 $3,000 $3,000 $3,000 $11,000
Agriculture $2,000 $3,000 $3,000 $3,000 $11,000
Math $3,000 $4,000 $4,000 $4,000 $15,000
Science $3,000 $4,000 $4,000 $4,000 $15,000
Education Specialist $3,000 $4,000 $4,000 $4,000 $15,000
Serve in:
Low-Income Area School $2,000 $3,000 $3,000 $3,000 $11,000
Rurual Area School $2,000 $3,000 $3,000 $3,000 $11,000
State Special School $2,000 $3,000 $3,000 $3,000 $11,000
School with high % of 
Emergency Permit Teachers
$2,000 $3,000 $3,000 $3,000 $11,000
Low-Permforming School $2,000 $3,000 $3,000 $3,000 $11,000
Serve in a school in the bottom 20th percentile of the API and credential in and teach:
Math $4,000 $5,000 $5,000 $5,000 $19,000
Science $4,000 $5,000 $5,000 $5,000 $19,000
Education Specialist $4,000 $5,000 $5,000 $5,000 $19,000

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