Hostos Community College has identified three sources of funding for its Hostos Emergency Loan Program (HELP), two from the private sector and the other from our own Hostos Student Association. These student loans must be paid back. The emergency loan applicant is required to complete a repayment contract that is legally binding. The applicant's eligibility is based on the student's unusual circumstances, documentation submitted to substantiate his/her emergency and the student's potential to benefit from the award. The present loan programs are self-sustaining, revolving funds generated through student loan collections and repayments.