Students enrolled in at least six hours with financial need may apply for a book loan (maximum of $400) during each fall and spring semester and one loan ($200) for the entire summer session to use toward the purchase of books and supplies from the bookstore. There is a $5.00 service charge and 12 percent per annum interest charge. Book loans may be obtained only after the current semesters' enrollment has been activated and must be used by the 20th calendar day of the semester. Book loans may be obtained through Self Services Online. Student accounts will be charged immediately upon issuance of a book loan with payment deferred. Unused amounts will be credited back to student accounts shortly after the 20th class day each fall and spring semester and shortly after the 12th class day in the Summer IV session. Students should allow up to 72 hours for the loan to appear on their CougarOne card account.