Foundation Loan

Once authorized, your financial aid will show as a pending credit on your account from which you may purchase books through ESC's bookstore. When your aid funds arrive, any resulting credit will be issued to you in a refund.

If you need to purchase educational supplies or books off site, prior to the refunding period, you may request an advance of your authorized financial aid funds. Advance funds are made available through the generosity of the college's foundation, and students are allowed to borrow up to $500 per term against their pending credit.

To apply for an advance, you must:

  • have a pending credit balance (minimum of $100) that reflects authorized financial aid in the term and amount for which you are requesting the advance
  • meet all eligibility requirements of your financial aid award(s), including being matriculated in a degree-seeking program, maintaining all good academic standing requirements, and any other requirements that are specific to your award(s)
  • be registered in the necessary number of credits required for your financial aid award(s) in courses that are applicable to your degree program
  • be current on your account (not have an outstanding balance), complete the application found below, sign and submit to Student Accounts

Pending credit balances based on Private or Alternative Education Loans are not eligible for an advance. Credits from these funding sources will be issued to you after the funds have been received by ESC.

Student Request for an Advance of Excess Financial Aid (PDF 61kB)

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 free from the Adobe site. If you are still unable to view the file, please contact us at, or call 800-847-3000.

See the schedule below for application deadlines for each term. Applications received before the first deadline 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 BankMobile Disbursements' refund method you have selected (deposited into your own bank account or BankMobile Vibe account). 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 3 p.m. ET on:Advance Sent to BankMobile Disbursements by 6 p.m. ET on:



August 20 August 21
August 27 August 28
August 31 September 1
September 14 September 15
September 24 September 25

Program guidelines and application deadlines are subject to change. The schedule is subject to delays due to the observance of holidays.

Refund Information

Make your refund selection at

Financial Aid Refunds FAQ

BankMobile Disbursements

Financial Aid Portal (login required)


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


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The mission of SUNY Empire’s Student Accounts is to provide the best possible customer service to students, alumni, faculty, and staff. Contact the Student Information Center at 518-587-2100 or ...