Checklist: Apply for an Emergency Loan

Emergency loans are loans provided by the University of Houston to help support students in unique financial situations. These loans are given based on a students need to pay specific enrollment and student services fees while the student is awaiting final approval of their financial aid funds. These funds are provided on a short term basis and the student is financially responsible for the funds and is expected to make arrangements with the Office of Financial Services to pay the loan back in the agreed amount of time when the loan is dispersed.

  1. Establish a need for an Emergency or Short-Term loan.
    • Are you registered for classes?
    • Have you received your fee bill?
    • Is the tuition payment deadline approaching?
    • Are you temporarily short of funds to make your tuition payment?
    • Important Facts about Tuition Payment and Emergency/Short-Term Loans
      1. Missing the tuition payment deadline can result in a student being dropped from his/her classes.
      2. All monies are subject to available program funding.
      3. To be eligible for these loans, a student must NOT have ANY outstanding indebtedness to the University or have a current history of outstanding Deferment Plans/Emergency Loans, returned checks, financial stops, or other University debts.
      4. In the event that a student receives financial aid, all monies will first be applied to pay off the Deferment/Loan on or before any established due date for either loan program.
      5. Any portion of the Deferment/Loan which is paid prior to the 20th class in a regular semester, or, prior to the 15th class of a summer term, will be exempt from paying interest on the paid amount.
  2. Payment Options
    1. Installment Pay Plan
      • Does not cover prior unpaid balances.
      • Has a $20.00 non-refundable origination fee.
      • Provides for 4 separate installments;
      • The 1st installment is due by the initial due date for all students and must be at least 25% of the current semester's tuition and fees.
      • The remaining unpaid balance is split between three additional installments.
      • Requires that any credits to the account (financial aid, etc) must first be applied to the unpaid balances.
      • Has a late fee charge of $10.00 for each installment paid after its' due date.
      • Any additional charges added to the student's account after the initial installment will be split evenly between any remaining installments.
      • The student must request this plan by signing (electronically) into myUH.
      • The Installment Pay Plan is not available for Summer sessions.
    2. Short-Term Tuition Deferment Plan
      • Is only available to students who live in university housing.
      • Does not cover prior unpaid balances.
      • Is for the entire balance of current semester tuition, fees, housing, board
      • The deferment accrues interest at a 12% annual percentage rate.
      • The deferment has a $5.00 origination fee.
      • The deferment is due and payable no later than the 45th calendar of the semester in a regular fall/spring semester; and
      • The deferment is due and payable no later than the 30th calendar day of a short semester/session such as the summer or other special session.
      • Requires that any credits to the account (financial aid, etc) must first be applied to the unpaid balance of the deferment.
      • The student must request this plan by signing (electronically) into myUH.
    3. 90-Day Emergency Deferment Plan.
      • Is only available to students who do not live in university housing
      • Does not cover prior unpaid balances.
      • The deferment covers only tuition and required/mandatory fees for the current semester.
      • The plan defers payment until the 90th calendar day of the semester in the regular fall/spring semester
      • The plan defers payment until the 30th calendar day of a short semester/session such as the summer or other special session.
      • The deferment has a 5% annual percentage rate.
      • Requires that any credits to the account (financial aid, etc) must first be applied to the unpaid balance of the deferment.
      • The student must request this plan by signing (electronically) into myUH.
    4. Emergency Loan Program – Dean of Students Office
      • Emergency loans are payable in full within 90 days from the origination date or by the close of the semester (whichever comes first).
      • The Dean of Students Office will issue financial emergency loans for up to $300.
      • 12% per annum or 1% every 30 day period calculated from the loan origination date.
      • A $5.00 loan origination fee is charged to the student account.
      • Currently enrolled in at least (6) hours.
      • The student is only eligible for one loan per semester.
      • Both resident and non-resident students may be eligible for the loan.
      • Emergency loan money issued by the Dean of Students Office will not be available for the purchase of books, tuition, room, and board.
    5. Book loans
      • Book Loans are available once a student is activated in his/her classes.
      • These loans must be used no later than the 20th class day of the regular fall/spring term; and 15th class day of the summer term.
      • Any unused portion of the book loan will automatically be re-credited to the student's account.
  3. Apply for Loan Assistance
    • Students can apply for an installment plan or deferment plan through myUH
    • Students can apply for a Dean's Loan through the Dean of Students Office by completing the Emergency Loan Request Form and going through the preliminary screening interview.
      1. The student will apply for the loan in the Dean of Students Office An assistant dean will determine the students' financial eligibility and verify that the student is not on the delinquent list.
      2. The student will fill out the loan agreement and the Dean will sign off on the loan.
      3. The student will be directed to the Office of Student Financial Services and must bring:
        • 2 forms of Photo I.D.