The School of Law students participate in Electronic Funds Transfer (EFT) with the U.S. Department of Education. Students who borrow from the Federal Direct Loan programs and Direct Graduate Plus Loans will have the loan funds automatically deposited in their student accounts. Regulations require that the disbursements correspond to the start of each academic semester. All loan programs’ proceeds are divided into two equal disbursements. Student loan funds are applied to the student account no sooner than ten days before classes begin. Students may access their refunds no sooner than ten days before classes begin. Students are responsible for payment of tuition and fees, due at the time EFT funds are applied to their student account. Students who have received student loans and subsequently drop units may have a portion of their loan proceeds returned to the Direct Loan Program. Students who pay a portion of their tuition by credit cards and subsequently receive financial aid disbursement applied to their student account may have a portion of their tuition charges credited back on their card.