Emergency Loans | Purdue University

Emergency loans are thirty (30) day interest-free loans available to Purdue University students registered in the current semester and must be for expenses related to ones education. Students who meet ALL eligibility criteria may borrow up to $1000 at a time and a maximum of $2000 per semester.

How can I get an emergency loan?

To get started, contact our office at 765-494-1747 or odos@purdue.edu to be connected with a Student Support Specialist. The Student Support Specialist will answer any questions, walk you through the process, verify your eligibility, and discuss the next steps. Students may obtain loans between 8:00am and 4:00pm, Monday through Friday.

What are the eligibility requirements to receive an emergency loan?

You must be registered for at least one (1) credit hour in the current semester through the Purdue University- West Lafayette campus at the time of application for the loan.
You cannot have a monetary hold for $100 or over.
If you have acquired two late emergency loan payments, you are no longer eligible for emergency loans.

What will I need to do after the Student Support Specialist approves my emergency loan?

Provide your PUID number
Complete an online application
Provide the names, addresses, and telephone numbers of two (2) references (these references cannot be in the same household as each other)
Enter your Social Security number on a secure financial site. If you do not have a Social Security Number, you will use your PUID number in its place.
Enter your Bank Routing Number/ABA and Account Number into a secure financial account
Create a password for a secure financial account
E-sign a promissory note that outlines the conditions and repayment requirements of the loan

How does ACH distribution work?

An ACH transaction allows us to deposit the emergency loan directly into your bank account. To process the ACH transaction, you must have your Bank Routing Number/ABA and Account Number.

How do I repay the loan?

You can make your payment online at https://heartland.ecsi.net/. Online payment may take 48 hours to process and update your loan record. Instructions for making a payment through the portal are on the Receivables and Collections Office website.

Online Payment Options:

Credit Card
E-check

Questions about repayment options or to discuss the possibility of deferring payment, contact the Receivables and Collections Office at 765-494-9459.

What do I do if I cannot pay my loan by the due date?

If you cannot pay your loan by the due date, you must contact the University Receivables and Collections Office (URCO) by phone at 765-494-9459 before the due date. The payment is late if you do not pay the loan back on or before the original due date or the agreed-upon date with URCO.

It is recommended that you make your payment 4-5 business days before the due date to allow processing time. Payments received or posted after the deadline are considered a past due loan. Students with two (2) past-due emergency loans will not be eligible for subsequent emergency loans.