Student Financial Aid

Application Procedures   

The financial aid program at the University of North Florida is committed to serving all students. Its purpose is to provide financial assistance for students who would be unable to further their education without such support. Educational opportunities should not be limited by the financial resources of the students and their families, although the University expects students and/or their families to make a maximum effort to help with University expenses.

UNF provides a comprehensive student financial aid program. Aid eligibility is based on individual need, educational costs, and availability of funds. Awards may consist of scholarships, loans, grants, waivers/exemptions and/or work-study. Funds are limited; therefore, students are encouraged to complete a Free Application for Federal Student Aid (FAFSA), found at, no later than the February 14 priority date in order to be considered for institutional aid from the Office of Student Financial Aid. Inquiries concerning financial aid should be directed to One Stop Student Services. Please be advised that:

  1. If selected for verification, students will be required to provide copies of relevant signed federal income tax transcripts (1040, 1040A, 1040EZ, and W2/1099 Forms). Dependent students must also provide parent tax information. Independent, married students must provide spouse tax information. Other information may also be requested to meet federal verification regulation requirements.  
  2. To be awarded financial aid, a student must be accepted into a degree-seeking major and be enrolled in a sufficient number of credit hours. Courses taken in an audit status are not eligible for financial aid, nor can they be considered when determining sufficient enrollment for financial aid. 
  3. For financial aid purposes, full-time enrollment is defined as a minimum of 12 credit hours per semester for undergraduate and post baccalaureate students and a minimum of nine credit hours per semester for graduate students. Students who enroll less than full time may have their awards reduced or, in some cases, cancelled. 

Return of Title IV Aid 

Withdrawing from classes will affect the percentage of hours earned. Students who withdraw from classes and have received Title IV Aid, to meet educational expenses for an entire semester, will be required to repay the amount of unearned aid. The unearned amount of federal program funds is calculated based on the percentage of the semester completed prior to the date of withdrawal. The repayment amount is determined by the Federal Formula for Return of Title IV funds (Section 484B of the Higher Education Act). Students who did not attend any classes will be required to return all funds disbursed. Title IV unearned aid must be returned to the applicable federal programs in the following order: 

    • Federal Direct Unsubsidized Stafford Loans  
    • Federal Direct Subsidized Stafford Loans 
    • Federal Direct Graduate PLUS Loans  
    • Federal Direct PLUS Loans (for parents) 
    • Federal Pell Grants  
    • Federal Supplemental Educational Opportunity Grants  
    • Federal TEACH Grant 

Tuition Deferment 

If a student accepts a financial aid award, the University will automatically defer the payment of tuition for approximately five weeks after the semester begins. The deferment of tuition and fees against anticipated financial aid will expire several weeks into the semester. If a student’s anticipated aid has not disbursed by the time the deferment expires, the student may have a late payment fee assessed. In these situations, the financial aid is not necessarily lost or cancelled; it simply indicates the tuition deferment has expired. Students should proactively monitor their myWings and UNF e-mail accounts for financial aid requirements and/or messages. Some types of aid are excluded from tuition deferment, including both the Federal Work-Study Program and Florida Prepaid Program.

A student who cannot automatically defer the tuition must make payment online via myWings or in person at the Cashier’s Office by the payment deadline posted on the Academic Calendar.  


Financial Aid and Scholarship Disbursement 

The first disbursement of financial aid refund checks occurs after the third week of classes. Financial aid refunds are issued to eligible students on a weekly basis throughout the term. Under the Federal Direct Stafford Loan Program, first time borrowers at UNF must complete a loan entrance counseling and sign a Master Promissory Note at before funds are released. Please note that all tuition/fees, housing charges, and other University debts will be deducted from the student’s financial aid before any other action is taken. Once all institutional fees have been paid, any residual funds will be electronically deposited into the student’s bank account.  

NOTE: All financial aid recipients should be prepared to meet their living expenses during the first four weeks of class.

 For more information, please contact One Stop Student Services.  

Financial Aid Bookstore Authorizations

Students whose financial aid exceeds their cost of their tuition and charges will receive a refund for the surplus amount. As a courtesy to students, the University of North Florida may authorize students who anticipate a financial aid refund to use all or part of that refund in the Follett Bookstore on the UNF campus. The amount of the bookstore authorization is limited to the anticipated financial aid refund and may not exceed $600 per semester. Eligible students will received notification of their bookstore authorization along with its value via their UNF email account.

A bookstore authorization is part of a student's total financial aid package- it is not additional funding- and the value represents the anticipated refund at the time the authorization was issued. Changed to enrollment, especially changes that increase a student's fee assessment, may result in changes to the actual value of the bookstore authorization. Student will be notified via their UNF email account of increases and decreases to their bookstore authorization. 

Bookstore authorizations may only be used during a specific period of time each semester, generally through the Add/Drop period.

Satisfactory Academic Progress

Students are required, by federal regulations, to demonstrate satisfactory academic progress toward the completion of a degree within a specified time frame. Students receiving any assistance under the Title IV Program must comply with these conditions to remain eligible. Academic progress will be evaluated at the end of each semester to determine eligibility. This evaluation is designed to measure the student’s ability to: maintain a satisfactory grade point average, successfully complete a required ratio of attempted credit hours, and receive a degree in a timely manner. To view the University's official Satisfactory Academic Progress policy, click here.