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Short-Term Emergency Loan

The Financial Aid and Scholarships Office offers short-term emergency loans to graduate and undergraduate students. These interest-free loans are designed to help students meet unanticipated expenses directly related to the cost of education. 

Special Note regarding Cancel for Non-Payment Policy 

While the majority of emergency loans are eligible for automatic approval and issued rapidly, students should allow for 2-3 business days for emergency loans to be reviewed and approved. Some applications require additional review by a financial aid staff member. You may be required to provide additional information prior to notification of a decision, so please respond promptly to any requests related to your emergency loan application. 

Tuition and fees for Spring 2017 are due on January 13, 2017. Co-payable emergency loan requests submitted by 12:00 PM (Noon) Thursday, January 12th will be reviewed by the fee payment deadline. We encourage students to review the emergency loan eligibility requirements and plan accordingly. 

Note: Submitting an application does not guarantee approval.

Dates of Availability

Fall 2016: August 17 through December 16, 2016.

Spring 2017: January 10 through May 12, 2017.

Summer 2017: May 22 through August 11, 2017.

How to Apply

Apply in CalCentral under the My Finances section. Here is a step-by-step guide to get you started. If you need more information about short-term emergency loans, please see the Cal Student Central website.

Types of Loans

Types of Loans Available During the Fall and Spring Semesters

Co-payable Loan for Fees

A co-payable Loan for Fees is available if you have enrolled for the semester, but have not yet obtained official registration status. The loan is intended to help make a partial payment toward fall or spring semester UC Berkeley registration fees. The loan will directly pay your fees and will be reflected in your Student Account. Students requiring additional funding beyond the co-payable maximum are encouraged to secure alternate sources of funding to meet the minimum amount due in advance of the payment deadlines. To be eligible:

1. Be enrolled in a minimum of 1.0 unit and have a non-registration status

2.  Do not have any active registration holds

3.  Do not have a past-due Co-Payable Loan for Fees and/or Living Expense Loan

If you are eligible, you may receive up to $1,360. Only one Co-payable Loan for Fees will be granted per student per semester.  Co-payable Loans for Fees are not available for UC Berkeley Summer Sessions, UC Berkeley Extension fees, UC Education Abroad programs, enrollment at other UC campuses, or enrollment at other educational institutions.

Living Expense Loans

Living Expense Loans are available to UC Berkeley registered students who have demonstrated financial need for funds essential to their attendance. To be eligible:

1.  Be registered at UC Berkeley for the current semester

2.  Do not have any active registration holds

3.  Do not have a past-due Living Expense Loan and/or Co-payable Loan for Fees

If you are eligible, you may receive up to $1,000 during the first three weeks of the semester from January 10 through January 27. From January 28 through May 12 the maximum Living Expense loan amount is $775. The Financial Aid and Scholarships Office may, at its discretion and on a case-by-case basis, approve more than one loan per semester per student and/or approve a loan in excess of $775. Such approval requires authorization from an appropriate representative of the Financial Aid and Scholarships Office, or a delegated official, and eligible students may be required to sign a revised promissory note. Students may receive these short-term, emergency funds via paper check at Cal Student Central or in their personal bank account via Electronic Funds Transfer (EFT). Note: If your EFT is not active, a paper check will be printed for pick up at 120 Sproul Hall at Cal Student Central from 11 A.M. to 3 P.M. Loan disbursements will not be split across multiple payment methods.

Type of Loan Available During Summer Sessions

Living Expense Loan

A Living Expense Loan is available during Summer Sessions to eligible registered students. The maximum loan amount is $775. To be eligible:

1. Be registered at UC Berkeley for the current Summer Sessions

2. Be a continuing student who has completed the previous spring semester

3. Do not have any active registration holds

4. Do not have a past-due Living Expense Loan and/or Co-payable Loan for Fees

Eligibility Terms

The Financial Aid and Scholarships Office reserves the right to determine whether to make a loan available after assessing eligibility and other factors that may affect the student’s registration or ability to repay the loan. This determination of eligibility is subject to verification of the information provided in the application and the university’s records. The maximum loan amount is established each semester by the Financial Aid and Scholarships Office and is subject to change without notice.

Loan Terms

Loans are interest-free.

The Financial Aid and Scholarships Office assesses a $20 administrative fee for each short-term emergency loan. This fee is automatically added to the loan balance and is repaid when the loan is repaid. The amount of the administrative fee is established each semester by the Financial Aid and Scholarships Office and is subject to change without notice.

The maximum loan amount is established each semester by the Financial Aid and Scholarships Office and is subject to change without notice. 

Repayment Terms and Payment Options

Repayment Terms and Disclosures

The principal loan amount and administrative fee are billed within two business days and are due approximately 60 days from the application approval date of the loan. 

Financial aid awards, loans, or other credits to your account may result in the loan balance being paid before the due date.

Funds eligible to pay the loan balance will not be issued as a refund of overpayment until the loan balance is paid-in-full.

Borrowers are responsible for repayment whether or not they receive a bill.

Payment Options

Borrowers have several options for making payments to their account—either electronically or by check.

Important Information for Financial Aid Recipients

If you are receiving financial aid, please be aware that once your financial aid posts to your account, it may pay off the emergency loan and the application fee before the due date. There is no guarantee that this will happen, however, and financial aid may not pay any of it. It is your responsibility to monitor your account activity.

Contact Information

Cal Student Central
studentcentral.berkeley.edu/open-case
120 Sproul Hall
(510) 664-9181