While you may be able to pay next term’s billed expense by saving your work study funds, you have to pay this term’s money by the due date. what are you going to do about books and school supplies, which you will need for the first day of class? Yes, you need to contact the FA office immediately if you need a loan as you will have to do the on-line loan counseling and sign promissory notes . Also ask how long will it take to process the loan or you won’t be going to Emory unless your sister and brother-in law buys you a plane ticket.