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Student Success Center

Emergency Loan Program

If you're experiencing an unanticipated financial challenge, let us know. We would not want a temporary expense to cause lasting damage to your academic progress.

Apply for an Emergency Loan 

There is no need to let your success at the University of South Carolina be compromised by unforeseen financial demands when we can help you.


An emergency loan is:

  • Granted for unexpected expenses with documentation
  • Interest free and limited to a maximum of $750
  • Required to be repaid within 60 days
  • Only granted when classes are in session
  • Used to cover the cost of the unplanned expense so income is available for routine expenses

Yes if:

  • You are at least enrolled on a half-time basis (six credit hours for undergraduate students and nine hours for graduate students)
  • You can verify, with documentation, that funds are needed for an emergency situation
  • You are able to demonstrate that you have the means to repay the loan by the due date
  • You were not considered delinquent in the repayment of a previous emergency loans
  • There is no balance on your USC account

Living expenses and routine educational expenses are typically not considered emergency expenses. It is an emergency expense if it is unanticipated and interferes with your ability to cover other routine necessary expenses.

Such as:

  • Auto repairs
  • Lost or stolen items (that are needed for success as a student) 
  • Medical expenses



Emergency expenses must be verified through supporting documentation that shows the need for the loan.

Examples include:

  • Paid receipts or written estimates of automobile repairs
  • Police report citing theft of personal property
  • Receipts for (or confirmation of impending) medical treatment
  1. Make sure you're eligible
  2. Submit the emergency loan application
  3. Attend an emergency loan consultation. You'll need to provide a government issued ID and your CarolinaCard
  4. If approved, you will receive your emergency loan in up to three business days

Charges for the emergency loan will apply directly to your account. You can pay in-person, at the Bursar's Office using cash or check, or online, with Self Service Carolina.

Pay Emergency Loan Online   

Repayment is due within 30 days of the disbursement date. A 2.5% convenience fee will be assessed for all credit card payments.

Failure to repay the loan can prevent future registration activity.


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