The Assumption Program of Loans for Education (APLE) for Credentialed Teachers, administered by the California Student Aid Commission (CSAC), is designed to encourage credentialed teachers to seek and teach in K-12 teaching positions in California's public schools. Credentialed teachers must be employed and agree to continue to teach in a K-12 California public school that is ranked in the lowest 20 percent on the Academic Performance Index (API).

Selected participants will be eligible for the loan assumption of up to $19,000* of their outstanding educational loans in return for four (4) consecutive years of full-time teaching service or consecutive part-time teaching for the equivalent of four full-time academic years in a California public school ranked in the lowest 20 percent on the API.

* APLE Credential Teacher participants who agree to, and provide, four years of consecutive teaching service, or the equivalent on a parti-time basis, in math, science, or special education may receive up to $2,000 of additional loan assumption benefits each year for a total of $19,000 when they continue to teach in an eligible school ranked in the lowest 20th percentile of the API.

Eligibility requirements:

1. Currently teaching in a public school ranked in the lowest 20 percent on the API.
2. Possess a Clear Multiple Subject or Single Subject teaching credential or Level II Education Specialist
3. Have received one or more of the following educational loans:
   1. Stafford Student Loan (Subsidized/Unsubsidized)
   2. Federal Direct Student Loan (Subsidized/Unsubsidized)
   3. National Direct Student Loan
   4. Supplemental Loans for Students
   5. Consolidation Loan Program Loans issued to students through institutions of higher education for the purpose of defraying costs associated with obtaining a postsecondary degree or an initial teaching credential.
4. Have no repayment obligation for any state or federal educational grant(s)
5. Have not defaulted on any student loan
6. Not have participated in and received benefits from the APLE Program.

If you meet these eligibility requirements, to apply you will need to complete and submit the following:

1. APLE Application (including Loan Assumption Agreement)
2. Submit verification from your school district verifying your employment and that the school you are teaching in is in the bottom 20% of the Academic Performance Index (API) (defined by the California Department of Education as a "Rank 1" or "Rank 2" school in the statewide ranking).
3. Submit your application documents to: Attn: Diana Westbrook, Sr. Academic Advisor, Ventura COE - Teacher Support Services, 5100 Adolfo Road, Camarillo, CA 93012

Application forms are available under "Links" on this page.

If you have any questions, please contact our office at (805) 437-1320 or academicadvise@vcoe.org.