Short Term Loan

A UC Short-Term Loan may be available to help with tuition or related educational costs. Under this program a maximum of $2,000 may be borrowed for no more than 90 days. No interest is charged during this 90-day period but there is a $50 processing fee.

The University contracts with ECSI to service all loans so students should expect a bill/notice from ECSI within 30 days of the loan posting. Payment should be made, by the due date, to ECSI following the instructions in the notice.

Be advised, that if a loan is not paid back in full within 90 days, a penalty charge of 0.75% per month will be assessed (9% per year), and service blocks will be placed on the students account preventing registration and the receipt of transcripts, grades and diplomas.


  • You must be a minimum of eighteen (18) years of age.
  • You must be enrolled and matriculated in a degree-granting program carrying not less than six (6) credit hours during the term the loan is requested.
  • You cannot have any past due accounts owed the University.
  • You cannot be on a payment plan in the same term in which a short-term loan is requested.
  • You may not receive loans in consecutive terms.


  • You may borrow up to a maximum of $2,000.00 to be repaid within ninety (90) days.
  • There is a $50.00 application fee, which will be deducted from the amount you have requested.
  • If the loan is not repaid on or before the due date, a service block will be placed on your student account to withhold grades, transcripts and diploma. If your loan is past due, you will not be permitted to register for classes until the loan is paid in full.


  • Complete the application and submit it using your UC student email account, along with a copy of your valid driver's license or state ID, to coloffic@ucmail.uc.edu.  A copy of your driver's license or state ID is required.
  • Your application will be carefully reviewed by the Bursar's Office.  If approved, you will be sent a promissory note via DocuSign, an eSignature platform.  The promissory note must be signed and returned via DocuSign.
  • When the loan is credited to your account, if your tuition bill is paid in full, the excess credit will be refunded to you.