Types of Graduate Financial Aid

Federal Direct Unsubsidized LoansNon-credit based, Federal Direct Unsubsidized Loans are for students who do not demonstrate need, or who have exhausted their need-based aid eligibility before reaching the estimated cost of attendance. Students are required to pay the interest while in school but have the option to defer the interest payments until the loan enters repayment. Loan repayment will begin at the end of the six-month grace period after the student graduates or ceases to be enrolled at least half-time.  

Federal Work-Study: The Federal Work-Study Program is a federal program supported with matching funds from UNF. This program provides employment opportunities and work experience to students while they attend school. Students are paid an hourly rate on a bi-weekly basis. Students must demonstrate financial need through completion of the FAFSA ( and be enrolled in at least six credit hours. Federal Work-Study awards cannot be used to defer tuition, room, or board. 

Federal Direct Graduate PLUS Loans: The Direct Graduate PLUS Loan is a low-interest loan available to students enrolled in a graduate or professional degree program. The student’s eligibility for a Direct Graduate PLUS loan is determined by a credit check conducted by the U.S. Department of Education. An eligible graduate student may borrow up to the cost of attendance minus other aid. Students are required to pay the interest while in school but have the option to defer the interest payments until the loan enters repayment. Loan repayment will begin at the end of the six-month grace period after the student graduates or ceases to be enrolled at least half-time.

Graduate Assistantships: A limited number of graduate assistantships and fellowships are available to qualified students. Graduate students who wish to apply for assistantships should write to the chairperson of the department in which they plan to enroll. Graduate students must be enrolled in nine semester hours for fall and for spring or six semester hours for summer to be employed and classified as a graduate assistant. Continuation of the award is based on the student's satisfactory performance in both academic and assigned duties.

TEACH Grant: Through the College Cost Reduction and Access Act of 2007, Congress created the Teacher Education Assistance for College and Higher Education (TEACH) Grant Program that provides grants of up to $4,000 per year to students who are completing or plan to complete course work needed to begin a career in teaching. As a condition for receiving a TEACH Grant, students must sign a TEACH Grant Agreement to Serve in which they agree (among other requirements) to teach:

  • in a high-need field
  • at an elementary school, secondary school, or educational service agency that serves students from low-income families
  • for at least four complete academic year within eight years after completing (of ceasing enrollment in) the course of study for which they received the grant.

TEACH Grant recipients who do not complete the required teaching service, as explained in the agreement to serve, are required to repay the grant as a Federal Direct Unsubsidized Loan. For additional information, please visit the TEACH website. To receive a TEACH Grant, students must meet the following criteria:    

  • Complete and submit an error-free Free Application for Federal Student Aid (FAFSA) at, although students do not have to demonstrate financial need.  
  • Be a U.S. citizen or eligible non-citizen.  
  • Be enrolled as an undergraduate, post-baccalaureate, or graduate student in a post-secondary educational institution that has chosen to participate in the TEACH Grant Program.  
  • Be enrolled in coursework that is necessary to begin a career in teaching or plan to complete such coursework. Such coursework may include subject area courses (e.g., math courses for a student who intends to be a math teacher).  
  • Have and maintain an overall, cumulative GPA of at least 3.25.  
  • Sign a TEACH Grant Agreement to Serve.
  • Complete TEACH Entrance Counseling  

As a result of sequestration, TEACH Grant awards have been adjusted as follows:

  • For any 2015-2016 TEACH Grant first disbursed on or after October 1, 2014, and before October 1, 2015, the maximum award of $4000 is reduced by 7.3%, resulting in a maximum award of $3,708.  
  • For any 2015-2016 TEACH Grant first disbursed on or after October 1, 2015, and before October 1, 2016, the maximum award of $4000 is reduced by 6.8&, resulting in a maximum award of $3,728.

Graduate Matriculation Fee Waivers   

The State of Florida funds a limited number of graduate matriculation fee waivers for graduate students who are on either graduate assistantships or fellowships. These matriculation fee waivers can be used to offset a portion of a graduate student’s in-state tuition. A student must be a fully-admitted graduate student to qualify under this program. Because each college administers this program using different requirements, students are encouraged to contact their individual college as early as possible to determine their eligibility.

Out-of-State Tuition Waivers                                                                              

Out-of-State tuition may be waived for certain full- and part-time enrolled non-Florida residents who have skills or abilities which will contribute to the academic environment of the University. UNF attracts a great majority of its students from Northeast Florida. In an effort to create a diversified student body, the University actively seeks students who reside outside of Florida. Non-Florida resident students should contact the individual college to apply. Awards are made based on the availability of funds.