Emergency Loans

Designed to assist students in coping with unanticipated financial emergencies. Registration, rent, utility bills, and other normal expenses are not considered emergencies as defined by this program.

  • Loan amounts average $300-$500
  • Each application is reviewed on a case by case basis
  • Approval is subject to the availability of funds
  • Only one emergency loan is allowed per academic term

Program Requirements

  • Minimum 12 undergraduate units or 8 graduate units
  • Minimum 2.0 GPA
  • No HOLD on records
  • Documentation of emergency (medical bills, car repair bills, etc.)
  • Repayment source (payroll stub, letter from employer, letter from parents, etc.)
  • No past delinquent loan payments

If your repayment source is financial aid, your loan balance will be deducted from your next disbursement within the current academic year. If your financial aid award is insufficient to cover your emergency loan debt, it is your responsibility to pay the difference on or before the due date.


Complete the Emergency Loan Application and return to the Financial Aid Office.

Loan proceeds are available after 2:00 p.m. on Tuesdays and Fridays in the Student Accounts Office. Applications must be submitted and approved by 2:00 p.m. in order to receive funds the following day.

Incomplete applications or insufficient documentation will delay your loan processing. Proper identification is required to claim loan check (Cal Poly ID or California Driver's License, etc.).


Due dates for loans will be determined at the time the loan is approved. Loans may be repaid in installments prior to the due date. The repayment period may not exceed 90 days.

All payments should be made at the University Cashier Window (Admin.131E) with a notation that it is repayment of an emergency loan. Loans may not be paid with financial aid expected in the next academic year.

A service charge of 1% of the amount borrowed (minimum $1.00) will be deducted from the loan disbursement.

If you graduate or withdraw from school prior to the due date, the loan becomes due and payable on that date, or on the specified due date, whichever occurs first.


An unpaid emergency loan is a debt owed to the University. If your loan is not paid in full by the due date, you will have a registration and academic transcript HOLD placed on your records until the debt is repaid in full. Delinquent loans may be assigned to a collection agency and reported to local credit bureaus.

You will be charged 1% per month on any unpaid balance of the loan after the due date. In addition, a $10.00 late charge will be assessed on loans not paid on or before the due date.

All loan requests are subject to credit checks. Delinquent loans may be assigned to a collection agency and reported to local credit bureaus.

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