# Short-Term Loans

**Source**: https://finance.uw.edu/sfs/loans-receivables/short-term-loans
**Parent**: https://finance.uw.edu/sfs/tuition-fees/tuition-overview?utm_source=whitebar&utm_medium=click&utm_campaign=apply&utm_term=tuitionandfees

Short-term Loans (STL) are available to registered students who are experiencing an urgent but short-term financial need. Students may apply for a short-term loan through their account on MyUW. This loan fund is administered by the [Office of Student Financial Aid](http://www.washington.edu/students/osfa/).  *Before applying for a short term loan, make sure your address and direct deposit information is up to date to ensure quick receipt of your funds.*

[Apply for a Short Term Loan](https://sdb.admin.uw.edu/sisStudents/uwnetid/shorttermloan.aspx)

**Winter quarter short-term loans are due by January 30, 2026.**\
Short-term loans taken out in Autumn quarter are due October 17, 2025. You may request one extension per loan.

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## Short-term Loan Repayment

Please check with the Office of Student Financial Aid (206.543.6101, [osfa@uw.edu](mailto:osfa@uw.edu)) to determine if other forms of aid are available before taking out a short-term loan. If you have an urgent need and are in a crisis, please visit the [Emergency Aid](http://www.washington.edu/emergencyaid/) website. There may be other options available to assist you.

Please consider carefully your ability to repay, prior to borrowing short term loan funds.  A short-term loan is intended to be paid within a short time span.  We encourage students to find a way to pay the short-term loans as soon as possible or make as many smaller payments before the due date.

Unless a one-time extension is granted, short-term loans are **due in full** on the fourth Friday of the following quarter. There are no deferment or forbearance options available for short-term loans.

Loans that remain unpaid after the due date are transferred from MyUW to the University’s billing servicer, [ECSI](https://www.heartland.ecsi.net/), 888.549.3274.

- A past due short-term loan is subject to late fees.
- Payment plans can be made with ECSI. A payment plan in good standing will prevent referral to collection agencies.
- Loans assigned to ECSI may be reported to the National Credit Reporting agencies and become part of your credit history.
- **Collection fees based on a percentage up to 40% of the amount owed will be added to the balance if your loan is referred to a collection agency.**

Should you need an extension, please contact us in the first week of the quarter your loan is due.  There is an additional charge of $30.00 to extend the due date to the next quarter.  Only one extension is allowed per short-term loan.

If you have questions about repayment of your short-term loan, please contact [Student Fiscal Services](https://finance.uw.edu/sfs/contact) at 206-543-4694. Advisors are available to assist you with your questions regarding your loan and other financial matters.

[Short-term Loan Extension Request](https://sdb.admin.uw.edu/students/uwnetid/forms/sfs_belext.asp)