Calwest University passes on all cost savings generated by subscribing to online learning philosophies and having a ‘cloud’ campus in providing a World-class education directly to the students, by pricing its degree programs at a substantially lower cost than what is usually involved for such an education. As such, there is No Financial Aid provided by Calwest University to any graduate or doctoral student. Calwest does not participate in Federal and State Financial Aid programs in the USA. If a student obtains a loan to pay for an educational program, the student is responsible to repay the full amount of the loan plus interest.