Emergency Loans & Payment Deadlines

WTAMU offers  short-term emergency loans to eligible students who find that their anticipated payment method is delayed but still expected.

Emergency loans for tuition and fees are available beginning 10 to 12 days before the first payment deadline, and are available until the 20th class day for Fall and Spring, 4th class day for summer sessions, and 2nd class day for intersessions. Loans are due in full within 90 days for the Fall and Spring semesters, and 45 days for all other terms. 

A confirmation number will be shown on the last screen when the loan application is completed. All applicants will receive an email in their Buff email account 1 to 2 business days after applying giving the status of their application.

Interest begins accruing when the loan is applied to the student's university balance as a payment at the rate of 5% annually. The maximum amount for tuition and fees is $2500, or total charges for mandatory tuition and fees if the total is less than $2500.00. 

Students may apply for an Emergency / Short Term Loan of up to $2500 per semester. You can request a loan while awaiting financial aid to post, scholarships to be applied or any other payments that will come in.

• Tuition and fees
• Books

Follow these easy steps:

1. Log on to Buff Advisor.

• Go to www.wtamu.edu and click on the My Buff icon at the top right of the page. From there click on your BUFF ADVISOR

2. To access Buff Advisor, use the first initial of your first and last name, then your student ID number (Buff Gold Card number) leaving off any leading zeros, and your password. Example: aa123456

• If you forget your password or have difficulty with access contact the IT Help Desk at 806-651-4357

3. Click on the “Student” tab.

• Under “Financial Information” section select the “Emergency Loan” option.

Loans are for either 45 (Summer and intersession) or 90 days (Fall and Spring). The interest and fees are minimal; 5% for tuition and fee and 12% for book loans. For example, a $1,500 loan for up to 90 days incurs roughly an additional $18 for a tuition and fee loan.