Emergency loans provide emergency financial assistance to domestic students to meet essential expenses associated with a crisis situation, including items such as food, accommodation, medical expenses and urgent travel.
Are you an international student in need of financial support? You may be eligible for an international student loan.
To be eligible for a loan, you must:
- be an active student currently enrolled in and undertaking subject(s) in an award course at Charles Sturt University
- be a commencing or continuing student at Charles Sturt University
- be an Australian citizen, permanent Australian Resident, or the holder of a Humanitarian Visa
- be making satisfactory academic progress;
- have no outstanding debt with Charles Sturt University
- have the financial capacity to repay the loan.
The CSU Emergency Loan Program Guidelines contains information about how CSU will operate the Loans Program, including the eligibility criteria, application and approval procedures and repayment and recovery processes.
Download the CSU Emergency Loan Program Guidelines [PDF]
The maximum loan amount is $100.
Loans are available to eligible students to meet essential expenses to maintain student welfare or to meet emergency circumstances when students have experienced a critical incident.
Emergency Loans can be used to meet expenses such as:
- Emergency accommodation
- Emergency medical expenses
- Expenses associated with medical or family crisis, including returning home and where the money is required urgently (i.e. within one week)
- On-going living expenses where there is a temporary shortfall due to emergency circumstances
Students are limited to one loan at a time.
Students should contact a Student Liaison Officer on their campus
How much can I borrow?
The maximum loan amount is $100. Loans of up to $300 may be approved in exceptional circumstances.
Can I apply for more than one loan?
You may only take out one loan at a time.
What supporting documentation do I need to provide?
You will need to provide proof of your income (most recent ATO notice of assessment and pay slips, bank statements showing regular deposits, or a statement from your parents supporting any allowance paid to you), a copy of your CSU Student ID Card and evidence of emergency circumstances if possible (for example, a police report, eviction notice, medical bills, or statutory declaration).
What if I don't have supporting documentation?
If you are unable to provide supporting documentation, outline the reasons for this in your application. For example, if you have lost your wallet containing your identification, include this information in your application.
How is the loan paid to me?
Loans are normally paid into the bank account nominated on the loan application form. In emergency situations it may be possible that the loan be paid in cash.
How do I repay the loan?
Loans are repaid in weekly or fortnightly instalments at the Cashier's office or through the CSU online payment system.
How long do I have to repay my loan?
Emergency loans are repayable within 2 to 4 weeks.
What if I can't make my loan repayment?
If you cannot repay the loan (or the instalment) by the agreed date, it is essential that you contact email@example.com before that date, to negotiate repayment arrangements. Failure to do so may result in administrative/penalty charges, the withholding of your examination results and refusal or cancellation of your enrolment.
What happens if I discontinue my studies before I have repaid the loan?
If you discontinue your studies, the balance of the loan becomes payable immediately.
How will I be notified about the outcome of my loan application?
You will be notified by email to your student email of the outcome of your application.
How do I appeal if I am refused a loan?
If you wish to appeal against the decision on your loan application, please outline your request to have the decision reviewed in an email with the subject line Appeal and send it to firstname.lastname@example.org
Your request will then be considered by the CSU Loans Committee.
You will need copies of the following documents before you begin the application process
- Proof of income (Centrelink Income Statement, most recent ATO notice of assessment and pay slips, bank statements showing regular deposits, or a statement from your parents supporting any allowance paid to you)
- CSU Student Card
- Evidence of the circumstances leading to your application, where possible.
If you are unable to provide supporting documentation, outline the reasons for this in your application.
Complete the Emergency Loan Program Application Form and email it to email@example.com along with copies of your supporting documentation.
What happens next?
A Student Liaison Officer will contact you to discuss your application, including your budget, repayments and other forms of financial support for which you might be eligible.
Your application will be processed by the Student Liaison Officer who will liaise with Finance to confirm your eligibility.
You will be asked to complete the Loan Agreement form. This is a legal document that outlines the conditions of the loan.
You will be notified of the outcome of your application.
The loan funds will be disbursed, either to your bank account or in person at the Cashier's Office on campus.
Need advice or assistance?
For more details contact your Student Liaison Officer on campus.
CSU Emergency Equity Grants also provide financial assistance to students who suffer unforeseen, adverse or emergency events such as accidents, fire or flood damage, natural disasters, theft, or unexpected health problems.