Division ofStudent Affairs

Boots-to-Books Loan Program FAQ

At the beginning of each semester you can apply for a Boots-to-Books Loan online or by using one of the computers inside the Veterans Center (University Union 320) or the Student Money Management Center (Chestnut Hall, Suite 313). If you need to apply for a loan when the online application window is closed you must schedule an appointment with a Student Money Management Center's Loan Officer.

What is a Boots-to-Books (B2B) Loan?

A Boots-to-Books Loan is a short-term, need- based loan that enables student veterans to purchase/rent textbooks and course materials as a line of credit with the UNT Bookstore. Loan amounts vary reflecting the needs-based assistance requested by each applicant within the loan program’s maximum consideration levels. Only Denton campus student veterans are eligible to apply for a loan.

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Can I apply for Boots-to-Books Loan if I am not a student veteran?

No. The Boots-to-Books Loan Program was established as a resource to enable Denton-campus student veterans to secure textbooks and course materials should they encounter any delays in the processing or disbursement of their financial aid or veteran benefits.

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Can I apply for Boots-to-Books Loan if I am a Dallas-campus student?

No. Only Denton-campus student veterans are eligible to apply to the Boots-to-Books Loan Program. Please contact the UNTD Student Affairs Office (972-780-3632) on the Dallas campus student to inquire about financial resources available to Dallas-campus students.

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How do I apply for a Boots-to-Books Loan?

At the beginning of each semester you can apply for a Boots-to-Books Loan online or by using one of the computers inside the Veterans Center (University Union 320) or Student Money Management Center (Chestnut Hall, Suite 313). If you need to apply for a loan when the online application window is closed you must schedule an appointment with a Student Money Management Center's Loan Officer (940.369.7761).

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What is a promissory note?

A promissory note is a legal, binding contract detailing the terms and the responsibilities of the borrower (the student) to the lender (University of North Texas). The terms of a promissory note normally include the amount borrowed, the interest rate, and the loan repayment date. The promissory note will also detail the terms, conditions, and any applicable penalties should the borrower not repay the loan within the stated terms of the promissory note. Note: If a student has been approved for a Boots-to-Books Loan, a signed promissory note must be on file for the disbursement process to begin. A Boots-to-Books Loan will not be disbursed without a signed promissory note on file with the Student Money Management Center.

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What is the maximum or minimum that I can request?

Apply for what you need, but keep in mind you must repay the loan and a 1% interest rate by the repayment date. Loan awards can be reduced at the discretion of the loan officers. In addition, the loan program’s maximum level of loan consideration for the fall and spring semesters is $500, while the maximum level of consideration for the summer semesters is $197.

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Is there a time when the Boots-to-Books Loan Program is closed?

Yes. There are times throughout the academic year when the Boots-to-Books Loan Program is closed due to administrative processing and end-of-year administrative reconciliation.

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What can I use a Boots-to-Books Loan for?

A Boots-to-Books Loan can only be used to purchase/rent textbooks and course materials should a student veteran encounter any delays in the processing or disbursement of his/her financial aid. A Boots-to-Books Loan cannot be used for any other purpose.

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How do I apply for a Boots-to-Books Loan?

Student veterans need to visit the Student Money Management Center (Chestnut 313) to begin the loan application process.

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What happens after I apply for a Boots-to-Books Loan?

Processing of loan applications requires 1 business day during which time applications go through a comprehensive verification process to ensure an applicant meets all eligibility requirements and repayment ability is validated. The application will either be approved or denied. Approved loans require applicant to submit a signed promissory note before the loan is released for final disbursement. After a signed promissory note is on file with the Student Money Management Center, the loan will be posted to the student veteran’s account denoted as a “Boots-to-Books Loan.” A line of credit in the amount of the loan will be established with the UNT Bookstore to allow the student veteran with immediate access to secure textbooks and course materials.

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What happens if I’m unable to use the full amount of the loan at the Bookstore?

If a student veteran is unable to use the full amount of the line of credit at the University Bookstore, the Bookstore will issue the balance of the unused funds onto a gift card for the student veteran to use to purchase textbooks and course materials in the future.

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When do I have to repay a Boots-to-Books Loan?

The repayment due date for a Boots-to-Books Loan is stated on the signed promissory note.

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When would I have to repay my Boots-to-Books Loan if I graduate before the repayment date stated on the promissory note?

If a student graduates from or leaves the university prior to the repayment date, the principal amount plus applicable interest becomes due with immediate repayment required.

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What is the difference between "late" and "default"?

An account reaches late status when the loan is one (1) day past the repayment due date stated in the promissory note. An account reaches default status when the loan is thirty-one (31) days past the repayment due date stated in the promissory note. Penalty fees will be assessed to loans in late and default status.

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What is the penalty for late payment for a Boots-to-Books Loan?

Loans in late status will be assessed an additional $25 late penalty fee. In addition, should a loan become late (student failed to meet the repayment deadline as identified in the promissory note) the applicant is ineligible to apply for any of the SMMC loan programs for twelve months.

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What happens if I default on a Boots-to-Books Loan?

An account will be considered in default on the 31st day past the due date as stated in the promissory note. Upon reaching default status an additional $25 default penalty is applied to the account and a $10 late fee is assessed with each subsequent billing cycle. The account will be forwarded to the university’s collection office for further action. In addition, if a student reaches default status an academic block will appear on his/her student account. At this time the account is considered "frozen" and the student can be withdrawn from classes or have pre-registered classes dropped. The student will be responsible for repaying the account in full and to the satisfaction of the Student Accounting Office. Repayment of a default account will need to be arranged through the Student Accounting office (Eagle Student Services Center, Room 105) or with the assigned collection agency. After repayment of a default account is completed the university may require the student to be on a cash-only basis for the remainder of his/her college career.

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If approved, how do I receive a Boots-to-Books Loan?

After signing a promissory note, a line of credit in the amount of the loan will be established with the UNT Bookstore in the student veteran’s name to allow the student veteran with immediate access to purchase/rent textbooks and course materials.

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Is it possible to get the loan as cash instead of a line of credit with the Bookstore?

You can contact the Boots-to-Books Loan Program Office (940.369.7761).

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How do I repay a Boots-to-Books Loan?

If you are repaying your Boots-to-Books Loan with financial aid or veteran benefits posted to your student account, repayment will automatically be deducted from any financial aid refund you may be receiving if the loan is posted to your account before your financial aid award is posted. If the loan is posted to your account after you have received your refund it is your responsibility to ensure loan repayment occurs by the repayment deadline stated in your signed promissory note. Please keep in mind that your loan will be posted as a “Boots-to-Books” on your student account. If you are repaying your Boots-to-Books Loan with another source of income you must repay the loan online or by visiting Student Accounting (Eagle Student Services Center, Room 105).

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How many Boots-to-Books Loans can I receive?

A student may receive one (1) Boots-to-Books Loan per semester; however, under exceptional circumstances a student may submit a written request (email acceptable) to the SMMC Director to be eligible to apply for one (1) additional loan per semester. Decision to grant a second loan is at the discretion and approval of the SMMC Director.

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Can I still apply for a Boots-to-Books Loan if I'm receiving Financial Aid?

Yes. You should check on the status of your financial aid prior to applying for a Boots-to-Books Loan as you may not have a need for a Boots-to-Books Loan. Disbursement of your financial aid may occur before the processing of your Boots-to-Books Loan application is complete. You can check on the status of your financial aid by logging into MyUNT.

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What do I do if I have a block on my account?

You can determine the source of your block by logging into MyUNT and viewing the details of any blocks.

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Where can I get other financial assistance if I don't qualify for a Boots-to-Books Loan?

UNT's Student Financial Aid and Scholarship website lists alternative financial resources you may find of interest including scholarships, grants, and alternative loans.

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What is the Student Code of Conduct?

The university attempts to provide for all students a campus environment that is conducive to academic endeavor and social and individual growth. To that end, rules, regulations and guidelines governing student behavior and the student's relationship with the university have been formulated into a student code of conduct and discipline. Enrollment at the University of North Texas is considered implicit acceptance of these and other policies applicable to students, all of which are educational in nature and designed to help students understand expectations and accept responsibility for their own actions.

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Where do I get a copy of the Student Code of Conduct?

The university's Student Code of Conduct can be downloaded from the Center for Student Rights and Responsibilities' (CSRR) website.

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How is the Boots-to-Books Loan Program associated with the Student Code of Conduct?

Failure to fulfill financial obligation(s) to the University is considered an act of dishonesty and a category of misconduct in the Code. As such, any Boots-to-Books Loan that goes into default status (failure to fulfill the financial obligation of repayment) will be sent to the Center for Student Rights and Responsibilities for disciplinary review.

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If I'm late just a few days repaying my loan back will I be sent to CSSR for a disciplinary review?

No. Students will only be sent to the Center for Student Rights and Responsibilities for disciplinary review only if they default on their loan repayment obligation. Repayment during the loan's late period does not result in a CSRR referral; however, due to repaying the loan late the student will be penalized with a 12-month application restriction to all SMMC loan programs per the program's terms and conditions.

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What are the possible outcomes for the disciplinary review?

Any student found to have engaged in conduct in violation of the Student Code of Conduct may be subject to one or more sanctions including but not limited to: Warning, Educational Sanction, Loss of Privileges, Conduct Probation, Suspension, Expulsion, and University Withdrawal. Repeated misconduct may result in assignment of more serious sanctions, including but not limited to suspension or expulsion.

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What other services does the Student Money Management Center offer student veterans?

In addition to its loan programs, the Student Money Management Center provides student veterans with personal consultations, workshops, seminars, clinics, and online resources. A portion of your student services fee allows us to provide these services at no additional charge to you. The center is here to serve you!

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