Emergency Tuition & Fees Loans

The Emergency Tuition and Fees Loan (ETFL) is available to help you pay your Texas A&M University tuition and required fees. This loan applies directly to your tuition and fee account when Scholarships & Financial Aid approves your application, and you sign the Master Promissory Note. If you have signed a Master Promissory Note for an Emergency Tuition and Fees loan from a prior semester, you do not have to sign another promissory note.

Depending upon timing, your financial aid refund may apply toward your ETFL, but this is not always the case. It is your responsibility to use any refunds issued to you to repay an outstanding ETFL and to ensure your outstanding ETFL balance is at zero by the loan due date.

The Emergency Tuition and Fees Loan (ETFL) is available to help you pay your Texas A&M University tuition and required fees. This loan will be applied directly to your tuition and fee account. Apply online at sfaid.tamu.edu/stlapp.

• You must be enrolled in at least 1 hour at Texas A&M University.
• You must have an active Texas A&M University student email account.
• You must be clear of all financial blocks with Texas A&M University.
• You must meet minimum GPA requirements.
  • Graduate Students – 3.0 minimum GPA
  • Undergraduate Students - 1.5 minimum GPA
  • Law Students – 2.33 minimum GPA
  • Pharmacy Students – 2.0 minimum GPA
  • Dental Students – 2.0 minimum GPA
  • Veterinary Medicine Students – 2.0 minimum GPA
  • Medical Students- 2.0 minimum GPA
  Interest Rate and Processing
  • 5% simple interest rate
  • $10 processing fee is calculated on each loan. This charge will be added to the amount of the loan you are approved to receive.

  Once approved for a loan, you will be instructed via email to sign a Master Promissory Note before funds can be released. Instructions will be sent to your official Texas A&M University email. If you have signed a Master Promissory Note for an ETFL before, you do not have to sign another one for a new Emergency Tuition and Fees Loan..

  Receiving Funds

  This loan will be applied directly to your tuition and fees account after the Master Promissory Note has been signed and submitted to Scholarships & Financial Aid.

  • Fall and Spring loans are due approximately 90 days after the loan applies to your student billing account.
  • Summer loans are due approximately 30 days after the loan applies to your student billing account.

  Depending on timing, your financial aid refund may be applied toward your ETFL, but this is not always the case. It is your responsibility to use any refunds issued to you to repay your ETFL and make sure that your ETFL is repaid by the loan due date.

  If the loan is not paid in full by the due date, registration will be blocked until the account balance is paid in full. You may contact Aggie One Stop via telephone at 979-847-1787 for questions about your Emergency Tuition and Fee Loan repayment.

  For information, visit the repaying your student loans page.

  ETFL FAQ

  How do I apply for an ETFL?

  The application for an ETFL is available online at sfaid.tamu.edu/stlapp.

  Note: Once approved for a loan, students receive instructions via email to sign a Master Promissory Note before funds release. Instructions are sent to the student’s official Texas A&M University email address. Eligible students will sign their Master Promissory Note via Adobe Sign. Students who are not eligible to authenticate using an electronic signature receive instructions on completing the Master Promissory Note with a wet (Pen and Paper) signature.

  Does my financial aid automatically pay my Emergency Tuition and Fees Loan (ETFL)?

  Your financial aid refund may be applied toward your ETFL, but this is not always the case. It is your responsibility to use any refunds given to you to repay an outstanding ETFL. You need to ensure your outstanding ETFL balance is at zero by the due date.

  Where can I pay my ETFL?

  You may make payments on your ETFL in the Student Business Services, located in the General Services Complex. You can also repay your loan through the Howdy Portal by clicking on My Finances tab and at the bottom in the Institutional Loans section click on Pay/View. You may also log in to your MyAggieLoans Portal.

  Am I eligible for more than one ETFL in the same semester?

  Yes, If the following apply:

  • You are not past due on a previous ETFL
  • You still have outstanding required tuition and fees
  • You have not applied for an ETFL up to 100% of your tuition and fees for that semester
  Are extensions available for an ETFL?

  Student Business Services handles all repayment arrangements. You may contact Aggie One Stop, or visit them in the General Services Complex.

  What is the simple interest rate on the ETFL?

  The interest rate on all ETFLs is 5% per annum. A late fee assesses after the due date for any unpaid balances. Additionally, there is a $10 processing fee for every emergency tuition and fee loan.

  How do I receive the funds for the ETFL?

  The ETFL funds are applied to your student billing account, so you will not receive any funds directly.

  What is the maximum amount I can borrow with the ETFL?

  The maximum amount you can borrow is the amount due on your required tuition and fees for the semester in which you are applying. This loan will not cover optional fees (sports passes, parking etc.). If you need money to pay for optional fees, please consider a Short-Term Loan.

  I have borrowed an ETFL in a previous semester. Do I need to sign a new Master Promissory Note?

  You do not need to sign a new Master Promissory Note if you have borrowed an ETFL in a previous semester.