Foundation Loan

Effective with the September 2013 term, all advance refunds will be distributed via Higher One.

You may apply for an advance refund based on your pending financial aid. These funds are made available through the college's foundation and are to be used for educational costs to attend Empire State College.

To apply, complete the student request for an advance of excess financial aid application below. You must be registered for the current or upcoming term and meet all the criteria outlined on the application. The maximum amount of an advance refund is $500 per term.

Student Request for an Advance of Excess Financial Aid (PDF  119kB) 

Note: You will need Adobe Acrobat Reader to view the PDF files. If Acrobat Reader is not installed on your computer, you can download it from the Adobe site. If you are still unable to view the file, please contact us at, or call 800-847-3000.

Review of applications begins prior to the term start date; see the schedule below for the dates of the current term. Applications received before the first date will be held until that time. If approved, your account will be charged for the amount of your advance. Your advance will be distributed via the Higher One refund method you have selected: deposit into your own bank account, Higher One account, or a Higher One paper check. If your refund preference is paper check, be sure to confirm that your address on file is accurate at You will be notified by email if your application is denied. 

Please contact us at or visit if you have any questions.

TermApplication Received by 4 p.m. ET on:Advance Sent to Higher One by 6 p.m. ET on:

Spring 1 2015

12/18/14 12/19/14
12/22/14 12/23/14
1/05/15 1/06/15
1/08/15 1/09/15


1/15/15 1/16/15
1/19/15 1/20/15
1/22/15 1/23/15

Note: When college operations are closed for observance of holidays, the schedule for processing foundation loan refunds may be affected. Schedule subject to change.

Make your refund selection at

Financial aid refunds FAQ 

Higher One, Inc. FAQ


Contact the Student Information Center at 518-587-2100 or 800-847-3000.