Short-term loans

Short-term loans are available on a limited basis for books at the beginning of each term, or for emergency situations throughout the term (considered on an individual basis). To apply for a short term loan, please see a student services representative at Bronco Express in the Bernhard Center.

Eligibility Criteria

  • Registered for classes for the term
  • Not available for WMU employees
  • No past due charges on billing account
  • WMU account is not and has never been in collection
  • No outstanding "non-sufficient funds" (NSF) checks
  • No history of three or more NSF checks
  • Not in default on a federal loan
  • No monetary registration hold
  • The loan must be for books or related educational expenses (see Books/Emergency below.)
  • If "current balance due" is not zero, financial aid for the current term is pending and the student meets the criteria listed below:
    • Financial aid pending for current term must be sufficient to cover current balance due
    • All requested financial aid documents have been submitted
    • If receiving a federal direct student loan - need signed master promissory note and entrance counseling completed
    • If receiving a federal perkins loan need signed master promissory note
    • If receiving a federal direct parent loan - need signed master promissory note, approved credit check and authorization by the parent that short-term loan may be paid by the PLUS
    • Meet the enrollment requirements for programs awarded.
    • Meet the satisfactory academic progress requirements for financial aid purposes

Books/ Emergency


  • Up to $500 credit if:
    • current term tuition and room and board balance paid in full, or
    • if current term's financial aid is pending and it is sufficient to cover balance owed.


  • Up to $500 if
    • account balance is paid in full or
    • if current term's financial aid is pending and it is sufficient to cover balance owed.
  • Individual circumstances considered if you still owe a balance for current term
  • Need documentation of bills owed (eviction notice, shut-off notice, etc.)
  • Funds requested are for education-related expenses (rent eviction notice, medical, utilities shut-off notice, transportation repairs, food or child care)
  • Loans are not approved for credit card bills, long distance telephone charges or cable television
  • Checks are issued to the vendor and the student; available in 24 hours at Bronco Express in the Bernhard Center
  • For extenuating circumstances only. Not intended for repeated use.


  • Loans are generally due in 30 days but no later than the last day of your enrollment for the academic year.
  • If not paid by the due date, will incur a service charge at 1.5 percent a month on the unpaid balance.
  • Delinquency in the repayment of a short-term loan will prevent future registration or release of transcripts



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Student Financial Aid
1903 W Michigan Ave
Western Michigan University
Kalamazoo MI 49008-5337 USA
269 387-6000