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Employee Emergency Assistance Loan Program

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Emergencies may arise for any employee at any time, and when they do, unplanned out-of-pocket expenses can cause financial destabilization. In these situations, the employee may have limited options and may opt to seek high-interest loans, default on their debts, or even file for personal bankruptcy. Financial stress has a negative impact on an employee’s health and well-being, as well as their job performance.

Texas State University Employee Emergency Assistance Loan Program will issue short-term emergency loans to benefit-eligible employees who have an immediate need for funds as the result of an emergency and have no other source of money available within the time necessary to act, or who have a dire personal financial hardship. 

A fund will be established and maintained by the Office of Human Resources, with funds donated by generous faculty and staff year-round. Loans in the amount of up to $1,000 will be issued to individual employees who apply for funds in accordance with the expressed need, subject to fund availability. To the extent permitted by the Texas Public Information Act, an employee’s application for and receipt of an Employee Emergency Assistance Loan is confidential.


Employee Emergency Assistance Funds will be used to issue zero-interest loans of up to $1,000 to employees who have submitted an application, and meet the following criteria: 

  • Individual is an active benefits-eligible employee at Texas State University in good standing; 
  • Individual has been employed on a full-time, continuous basis with Texas State University for at least 1 year; 
  • Employee does not have an outstanding Emergency Assistance Loan or owe monies to the University; and 
  • Employee is facing a temporary financial hardship as a result of an emergency situation. 

Emergency situations include, but are not limited to: 

  • Health emergencies; 
  • Transportation emergencies; 
  • Death or critical illness within immediate family; 
  • Child care emergencies. 
  • Housing emergencies; 
  • Extraordinary utility bills caused by unusual natural occurrences (e.g., temperatures below freezing for a significant amount of time). This would not include normal temperature fluctuations that should be anticipated.


Employees seeking to receive an emergency loan should: 

  1. Submit an Application for Employee Emergency Assistance Loan on the HR website. 
  2. Committee will review the request for funds and make a determination. 
  3. Committee will issue a notice of determination.
  4. If the loan is approved by the committee, HR will submit a request for the loan amount (payment) to be issued to the employee and create a loan repayment agreement. 
  5. Employee must sign the loan repayment agreement and elect method for repayment (payroll deduction or direct pay via electronic check). 

Loaned funds that are repaid by employees will be used to replenish the Employee Emergency Assistance Fund.

Frequently Asked Questions