Types of Undergraduate Financial Aid

Federal Pell Grant: This is a need-based, Title IV federal grant program designed to provide financial assistance to undergraduate students. Pell Grants are intended to be the "base" of a financial aid package and may be combined with other forms of aid in order to meet the cost of attendance. The amount of the grant is based on financial need, cost of attendance, and enrollment status.

Federal Supplemental Educational Opportunity Grant Program (FSEOG): This federal grant program is designed to assist undergraduate students who demonstrate exceptional financial need and who qualify for a Federal Pell Grant. Award amounts are based on the amount of need and availability of funds.

Florida Student Assistance Grant (FSAG): This State grant program was established to provide awards to qualified undergraduate students who are Florida residents attending accredited colleges, universities, and community/junior colleges in Florida and demonstrate exceptional financial need. Students may apply by submitting an error-free Free Application for Federal Student Aid (FAFSA).

UNF Institutional Grants: The University of North Florida offers a variety of grants for undergraduate students who demonstrate financial need. Awards range from $300 to $2200 per academic semester and have various enrollment requirements. Awards are made on a first-come, first-served basis.

William D. Ford Direct Loan Program: Unlike grants, Federal Direct Loans are financial aid awards that must be repaid.  UNF encourages students to make informed decisions when opting to borrow under ANY student loan program.  Federal Direct Loans are administered by the U.S. Department of Education. To apply for Direct Loan funding, students must file the FAFSA and be enrolled at least halftime (6 credit hours) in degree-applicable courses.

Federal Direct Subsidized Loan Program: Non-credit based, Direct Subsidized loans are for undergraduate students who demonstrate financial need, as determined by their cost of attendance minus expected family contribution and other financial aid (such as grants and scholarships). Direct Subsidized loans do not accrue interest while students are enrolled in school or during authorized periods of deferment. Loan repayment will begin at the end of the six-month grace period after the student ceases to be enrolled at least half-time or graduates. 

*As of July 1, 2013 the U.S. Department of Education has implemented regulations that limit a first-time borrower's eligibility for Direct Subsidized Loans to a period not to exceed 150% of the length of the borrower's educational program. For more information please visit 

Federal Direct Unsubsidized Loan: Non-credit based, 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 ceases to be enrolled at least halftime or graduates. 

Federal Direct Parent PLUS Loan Program: The Direct Parent PLUS loan for the parents of dependent, undergraduate students.  PLUS loans are credit-based; therefore, the borrower  must complete a credit review. PLUS loans help pay for education expenses up to the cost of attendance minus all other financial aid. Interest is charged once the loan is disbursed.

Federal Work-Study:

The Federal Work-Study Program is a federal program supported with matching funds from UNF. This program provides part-time 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. Students are not eligible for Federal Work-Study during summer terms. Federal Work-Study cannot be used to defer tuition, room, or board.

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-resident students should contact the individual college to apply. Awards are made based on the availability of funds.

Appeals Procedure

If a student believes that some aspect of his/her financial situation, which would affect the evaluation of financial need, was over-looked during the award process, the student is entitled to an appeal. To request an appeal, please contact One-Stop Student Services. Appeals of financial aid offers are subject to Federal, State, and University regulations, as well as availability of funds.     

Scholarship Programs 

The University of North Florida offers a comprehensive scholarship program to attract and reward students who have superior talent in academics, athletics, fine arts, and extracurricular activities. Because some of our scholarships are need-based, we encourage students to file the Free Application for Federal Student Aid (FAFSA) as soon as possible. This process can be completed online at

Institutional Scholarships: All incoming freshman who apply to UNF are automatically considered for scholarships based on their admissions application information. Scholarships are awarded based on a variety of factors, including high school grade point average, SAT or ACT test scores, and talent. Transfer students may also be considered for institutional scholarships based on their admissions application information, transfer grade point average, and intended major.

Foundation Scholarships: Foundation scholarships are funded through contributions made to UNF from private donors. These awards have specific eligibility requirements regarding the awarding and renewal of the scholarships which have been established by the donor and the University. Please visit the UNF Financial Aid website for detailed information concerning these scholarships.

State Scholarships: State scholarships are funded by the State of Florida. The State determines the recipients as well as when and how these awards are allocated. The University must confirm student eligibility. The most prominent example of a state funded scholarship is the Florida Bright Futures Scholarship Program. Students work with their high school guidance counselors to apply for the Florida Bright Futures Scholarship prior to high school graduation. To learn more about the Florida Bright Futures Scholarship Program, visit their website. For other information concerning state-sponsored scholarships, visit the state website.