The Institutional Emergency Short Term Loan Department offers funds to assist currently enrolled students who need temporary financial assistance. These funds can be used to assist with tuition payments, book expenses, or personal use.

Spring 2021 applications are available online through Banweb! 

*In order to receive a Short Term Loan for books or personal expenses ALL tuition and fees MUST BE paid.

  • What is a Short Term Loan?

    A Short Term Loan is a loan that is available to assist currently enrolled students who need temporary financial assistance.

    The funds can assist you with tuition and fee payment, book expenses, or personal expenses and come from private donations to UWG, specifically designated to assist students.

  • How much can I borrow for a Short Term Loan?
    A maximum of $500.00 per semester.


  • How do I apply for a Short Term Loan?

    1. Log into your Banweb account

    2. Select "Student Services & Financial Aid."

    3. Select the fifth option: "Short Term Loan."

    4. Read and select "I Understand" on the next 7 pages to continue.

    5. Once you get to the Short Term Loan Application page, complete all of the information. Once you have completed the form, select "Submit".

    6. Please continue to monitor your UWG e-mail for updates. 

  • What information do I need to apply for a Short Term Loan?
    • Parental information including phone number and address.
    • Employer information including phone number and address (if you are employed).
    • Two references*, including a phone number and physical and email address.
               *References can not be: UWG Staff or UWG Faculty.
    • If you are not employed, you must verify that you are receiving a financial aid refund that will cover your Short Term Loan balance.
    • If you are not receiving a financial aid refund, you must provide proof of employment, your two most recent current check stubs.
    • Students wishing to obtain a Short Term Loan must present their UWG student identification card electronically.

    If you are not employed or not receiving a financial aid refund you must complete the co-maker form below:

    Co-Maker Form

    Print the Co-Maker form and complete it. Your co-maker can be a friend or relative that agrees to be responsible for payments.

    Co-maker must provide proof of employment and picture identification.

    You must have the co-maker form notarized. You must mail the original notarized and signed form to the office along a copy of your photo most two (2) recent check stubs. We will not accept a copy of the original.


  • Why does the University of West Georgia sometimes run out of Short Term Loan money?

    The Emergency Short Term Loan is a revolving loan fund. This means that the money that is available to you is money that has previously been borrowed and repaid by other students. Short Term Loans are available on a funds available basis. Once the funds have been depleted, no more loans will be available for that semester. If you need information pertaining to the availability of the Short Term Loan funds, you may contact the Enrollment Service Center at 678-839-6421.  Students who do not pay their Short Term Loans on time decrease the amount of money available for other students to borrow.

    There are special funds in place to assist Anthropology majors, Geriatrics majors, Kappa Alpha Phi Fraternity members and international students. Please contact Enrollment Services at or 678-839-6140, for further information if you believe you would qualify for these funds.

  • When will I repay my short term loan?

    All Short Term Loan repayments are made based on a fixed payment schedule, as determined at the beginning of each semester and is documented in your promissory note.

    Your payment schedule must be followed or late fees will be assessed.

    If you are using your financial aid refund for repayment, it is your responsibility to make your payment once you receive your refund. 

    Your Short Term Loan repayment is not held out of your refund.

  • How do I make payments on my Short Term Loan?

    1. Online at: 

    2. In person. At the Bursar's Office located in Aycock Hall, Room 101.
    Payments are taken Monday - Friday from 8:30am - 4:30 pm.
    Accepted forms of payment are cash, check, money order and cashiers check.
    If you come to make a payment after 4:30 or on the weekend, there is a 24- hour depository located outside Aycock Hall, to the right of the front door, for your convenience. 
    This box is checked daily for payments.
    Your payment must be sealed in envelope labeled Short Term Loan.
    Your student identification number (917 #) must be included on the envelope or on the payment.
    Although the depository is available 24 hours, please remember that payments must be received by 4:30 pm on the due date to avoid late fees.

    3. By mail.  Payments must be received by 4:30 pm on the due date to avoid late fees. Send to:

                            University of West Georgia

                            Attn: Bursar's Office

                            Aycock Hall, Room 101

                            1601 Maple Street

                            Carrollton, GA 30118

    Your student identification number (917 #) must be included on the envelope or on the payment and payment notated that it is for your Short Term Loan repayment.
    If you mail your payment, please mail it in advance of the due date.
    Payments must be received by 4:30 pm on the due date to avoid late fees.

  • Why can't I pay the entire balance of my Short Term Loan at the end of the semester?

    Short Term Loans are set up on payment schedules that are outlined in the promissory note.
    Every borrower signs and receives a copy of their promissory note.
    Since the Short Term Loan fund is a revolving loan, there are not enough funds to make new loans for the next semester if students wait until the end of the semester to pay. 
    By making timely payments on your Short Term Loan, you are ensuring other students the opportunity to benefit from the program. 

  • What happens if I do not pay my Short Term Loan payments on time?

    There is a $5.00 late fee charged on all late payments.
    If you are past due on your Short Term Loan, a hold will be placed on your account.
    You will not be allowed to register, drop or add classes, receive future loans, receive academic transcripts, or graduate until all past due amounts are satisfied.

    In addition, University of West Georgia reports all Short Term Loan accounts to a national credit bureau.
    Seriously delinquent accounts are reported to an outside collection agency once all in-house collection attempts have failed.
    If your account is reported to a collection agency, you are responsible for paying all collection fees as outlined in your promissory note.

  • Does my Short Term Loan accrue interest?

    Yes, there is a minimal interest charge of 1% that is compounded daily on your Short Term Loan. Interest does not start accruing until the loan is placed on your student account. 

    Generally, Short Term Loan applications are accepted Monday – Friday 8:30- 4:30pm . However, there may be some dates throughout the semester when applications will not be accepted. These dates are normally posted in advance and in The Scoop.  

    Application dates are published in the Calendar published by the Registrar's Office each semester and on the Bursar's Office webpage. 

  • Who do I contact with questions about Short Term Loans?
    Please email for more information.