Student Financial Aid

Application Procedures   

The Office of Student Financial Aid 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. Although the University expects students and/or their families to make a maximum effort to help with University expenses, educational opportunities should not be limited by the financial resources of students and their families.

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 deadline in order to be considered for institutional 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 signed copies of relevant income tax information. Dependent students must also provide signed copies of parent tax information. Independent, married students must provide signed copies of spouse tax information. Other information may also be requested to meet federal verification regulation requirements. Student-specific information about financial aid requirements can be found in myWings. 
  2. To be awarded financial aid, a student must be accepted as degree-seeking and be enrolled in a sufficient number of degree-applicable credit hours. Courses taken in an audit status are not eligible for financial aid, nor can they be considered when determining 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 9 credit hours per semester for graduate students. Students who enroll less than full time may have their awards reduced or, in some cases, cancelled. Please be advised that certain scholarships and grants require enrollment in 15 credit hours for eligibility.

Return of Title IV Aid 

Withdrawing from classes may impact a student's financial aid. Students who withdraw from classes and have received Title IV Aid may be required to repay the amount of unearned aid. The amount of unearned Title IV funds is calculated based on the percentage of the semester completed prior to the date of withdrawal. The repayment amount is determined in accordance with Section 484B of the Higher Education Act of 1965, as amended.  Unearned Title IV aid must be returned to the applicable federal programs in the following order: 

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

*Students who did not attend any classes will be required to return all funds disbursed.

Tuition Deferment 

If a student has accepted financial aid award(s), the University will typically defer the payment of tuition. This deferment of tuition and fees based on 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 be assessed a late fee. 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. Federal Work-Study Program and Florida Prepaid Program cannot be used for tuition deferment.

Students who are not eligible for tuition deferment 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 usually 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 Loan Program, first time borrowers at UNF must complete a loan entrance counseling and sign a Master Promissory Note at before funds may be released. Please note that all tuition/fees, housing charges, and other authorized 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 remaining funds will be electronically deposited into the student’s bank account if the student has elected to enroll in Direct Deposit.  

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 who have financial aid inc excess of their cost of tuition and other allowable 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 at the UNF Bookstore prior to disbursement. The amount of the bookstore authorization is based on an anticipated financial aid refund and may not exceed $600 per semester. Eligible students will received notification of their bookstore authorization via their UNF e-mail account.

A bookstore authorization is part of a student's total financial aid package- it is not additional funding. Changes to enrollment, especially changes that increase a student's fee assessment, may result in changes to the actual value of the bookstore authorization. Students 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. Students are encouraged to monitor their e-mail account in myWings for notifications related to bookstore authorization dates and amounts.

Satisfactory Academic Progress (SAP)

Federal regulations require students to demonstrate Satisfactory Academic Progress (SAP) toward the completion of a degree within a specified time frame. Students receiving any assistance under the Title IV Programs must comply with these conditions to remain eligible. Financial Aid Satisfactory Academic Progress (SAP) will be evaluated at the end of each semester/payment period to determine continued 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 SAP policy, click here.