Emergency Loans

KSU offers Emergency Loans to qualified students. These loans are offered once per semester, pending availability of funds. The online emergency loan application will be available for submission beginning at 7:00 a.m. on the specified dates below. The application will be available until 12:00 p.m. or until emergency loan funds are exhausted.

Financial Hardship Information and Requests

Fall 2019

August 26, 2019 - Tuition and Fees Emergency Loan Application (Closed)
August 26, 2019 - Personal Emergency Loan Application (Closed)

Spring 2020

**Currently there are no funds available for the Tuition and Fees or Personal Emergency Loan Programs for the Spring 2020 Semester.  These funds are available based on student's repaying the funds from a previous semester. If this changes, the website will be updated. **

TBA - Tuition and Fees Emergency Loan Application (Closed)
TBA - Personal Emergency Loan Application (Closed)

General Information

  • A $10.00 processing fee will be added to the loan amount due at time of repayment.
  • Repayment must be made in the form of cash, credit card, or financial aid monies.
  • Repayment is due in full, on due date (45 days from date Promissory Note is signed), regardless if the student’s financial aid funds have arrived and been disbursed.
  • Students are allowed only one emergency loan per academic year (an academic year is defined as the first day of class in August through the last day of finals in July).
  • Students may not receive an emergency loan in consecutive semesters, regardless if the new loan would fall into a different academic year
  • Any student, while attending KSU, may receive a maximum of three (3) Emergency Loans.
  • It is the student’s responsibility to check their Owl Express Account for award status within 24 hours of application submission
  • Student must sign the promissory note at the Bursar's Office within 24 hours of approval
  • Neither the Financial Aid Office nor the Bursar’s Office will contact the student to sign the Promissory Note. It is the student’s responsibility to sign the promissory note by 5:00 pm the following business day after loan approval. If promissory note is not signed within the required time frame, the Emergency Loan may be canceled and will not be reinstated.
  • If a credit balance has been issued to a student, the Financial Aid staff has the right to deny the Personal Emergency Loan.
  • It may take up to 48 hours to receive Personal Emergency Loan Funds after the promissory note is signed.

Types of Emergency Loans

  • Personal Emergency Loan - Loan amount up to $400.00 may be granted for emergencies affecting the students’ attendance or performance in school; Tuition and fees must be paid in full. Repayment is due 45 days from the date Promissory Note is signed.

  • Tuition and Fees Emergency Loan - The loan amount is limited to standard in-state tuition and fees only. The difference must be paid in full prior to receiving the loan. This loan is granted to assist a student who is unable to pay for Final Registration and Fees. Repayment is due 45 days from the date Promissory Note is signed.


Students will NOT qualify, if

  • The student is currently on Satisfactory Academic Progress (SAP) failure.
  • The student is currently on Academic Probation or Warning.
  • The student has a prior balance on their account.
  • The student has holds with the National Student Loan Data System (NSLDS).
  • The student has ever been delinquent on previous emergency loans or Federal loans, including default clearance.
  • The student has defaulted on a payment plan with the Bursar's Office.
  • The student has an overpayment.
  • The student has other financial aid holds (i.e. loan exit counseling).
  • The student has already received a total of three (3) Emergency Loans while at KSU.
  • The student has declined or not accepted all of their Stafford Loan(s).
  • Any information on the application is missing or incorrect, including KSU Student ID#, full name, phone #, etc.


Eligibility Requirements

  • Must be a KSU degree seeking student.
  • Must be enrolled during the semester in which loan is requested.
  • Must have at least a 2.0 KSU GPA for undergraduate students and a 3.0 KSU GPA for graduate students.
  • Must have attended at least one prior term at KSU.
  • Must have a current, processed, FAFSA.
  • Must have accepted all of their Stafford Loan(s) offered.
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