Summer Financial Aid Terms and Conditions
Freshman who are admitted in Summer B and who have a 2021-2022 FAFSA on file will automatically be evaluated for financial aid. If you qualify, your summer financial aid award can be found in myWings.
Students who want to be evaluated for financial aid in the summer term MUST:
- Be admitted to UNF as a degree-seeking undergraduate student.
- Have a valid 2022-2022 FAFSA (Free Application for Federal Student Aid). Use the Title IV school code 009841 to ensure that UNF receives your FAFSA.
- Submit all required documentation and complete financial aid verification for 2021-2022, if selected.
- Register for ALL summer classes you plan to take during registration. Please note: only degree-applicable (required) courses will be counted in your enrollment status for financial aid.
- Not be on Satisfactory Academic Progress (SAP) suspension.
As students register for coursework, the cost of attendance will be updated and students will automatically be reviewed for financial aid eligibility.
Federal Pell Grant
The federal government awards Pell Grant according to each student's financial need as determined by federal methodology, a congressionally established need analysis formula. The Federal Pell Grant follows a federal formula for prorating. Awards range from $0 to $6,495 (academic year 2021-2022). Students completing their financial aid application (FAFSA) are automatically considered for Pell Grant funding.
- Students may receive up to 150% of the Pell Grant Scheduled Award for the award year
- Initial Pell Grant - up to 100%
- Student has not received 100% of scheduled initial Pell award for 2021-2022 year. Example: student received 50% Pell for fall and 25% Pell for spring (75% total Pell) will have 25% remaining initial Pell eligibility for summer term.
- To receive remaining initial Pell eligibility, student will need to be registered for at least three degree-applicable credit hours in summer term
- Student may receive up to 100% of the student's Pell Grant Scheduled Award for the award year
- Additional Pell Grant - up to 150%
- Student has received 100% of scheduled initial Pell award
- Student must be registered for at least six degree-applicable credit hours of summer coursework
- The additional Pell grant award cannot exceed 50% of a student's Pell Grant Scheduled Award
Pell Grant awards are adjusted based on actual enrollment and degree-applicability of coursework. Pell Grant awards may also adjust after the verification process is complete.
Pell Grant duration of eligibility is set to 12 full-time terms, or approximately six years. This limit applies to all Pell recipients regardless of when the student first began receiving Pell Grant funds. You can view your Pell Grant history using the National Student Loan Data System - NSLDS. After logging in with your FSA ID, you will be directed to a web page that shows "Pell Lifetime Eligibility Used" (LEU) under the Grants section.
UNF Institutional Grants
UNF Institutional Grants are programs administered and/or awarded through the UNF Office of Student Financial Aid. These grants are typically based on financial need and do not need to be repaid. UNF Institutional Grants are available on a first-come, first-served basis, are not renewable and are contingent upon available funding.
IMPORTANT NOTE: To be eligible to receive the Osprey Summer Grant, you must take at least six degree-applicable credit hours at UNF in Summer A/C/8/10 and demonstrate financial need. Hours taken during Summer B or at another institution cannot be considered for these funds.
The Osprey Summer Grant will disburse for degree-seeking undergraduate, properly registered (six degree-applicable credit hours in Summer A/C/8/10) with all Financial Aid Requirements satisfied and not on SAP suspension.
Florida Bright Futures
Summer Bright Futures awards will initially post upon enrollment in six credit hours. Once students register and/or after the end of add/drop week, the award amount will update based on the actual credit hours.
To be considered for summer funding, select UNF as your preferred institution for the appropriate summer term on the Florida's Office of Student Financial Assistance (OSFA) website. Continuing students should select Term 6 of the 2021-2022 year, while recent high school graduates should select Term 0 for the 2022-2023 year.
Renewal for 2022-2023 is based on grades and hours earned during fall and spring terms only. Bright Futures Scholars who do not renew for 2022-2023 may still receive 2021-2022 summer funding.
Grades earned during summer may only be used for renewal if a student qualifies for a one-time restoration opportunity. UNF will report summer grades at the end of the summer term to OSFA. To request late grades earned during summer term to be reported to OSFA for restoration, you must submit the Scholarship Action Request Form located in your myWings account. Please visit the Florida's Office of Student Financial Assistance (OSFA) website for detailed explanations of restoration eligibility. For more information, please visit Bright Futures Summer Frequently Asked Questions.
William D. Ford Federal Direct Loans
The University of North Florida participates in the William D. Ford Federal Direct Loan Program. Loans originated through UNF will be disbursed directly by the federal government to the University. The Direct Loan Program offers an easy and efficient process for borrowers and, in some cases, may cost less.
Loans are a form of financial aid that must be repaid. The University of North Florida encourages students to borrow only what is necessary to cover their cost of attendance for the academic period. Students can review their Federal Loan History on the National Student Loan Data System (NSLDS) and monitor their progression toward the aggregate loan limit.
You must be enrolled in at least six degree-applicable credit hours to be eligible for student loans. If you are taking transient/concurrent coursework, you must be enrolled in at least six degree-applicable credit hours at either UNF or your host school. Taking three degree-applicable credit hours at UNF and three degree-applicable credit hours at your host school will not equal half-time enrollment.
If you have been admitted to UNF for the summer term and you are a First Time in College Freshman (FTIC) Summer 2022, loans will be offered to you. Transfer and current students will need to complete a Loan Action Request Form to receive loans during the summer term. Loans originated through UNF will be disbursed directly by the federal government to the University. Read the terms and conditions regarding Title IV, HEA Loans.
Direct Loan Origination Fees
An origination fee is an expense of borrowing a Federal Direct loan and is subtracted from the total loan amount prior to disbursement. The borrower is responsible for repaying the total loan amount.
Any Federal loans that disburse on or after October 1, 2020 will have an origination rate of 1.057% for Direct Loans and 4.228% for Parent and Graduate PLUS Loans. Loans with a first disbursement before October 1, 2020 have an origination rate of 1.059% for Direct Loans and 4.236% for Parent and Graduate PLUS Loans.
Any Federal loans that disburse on or after October 1, 2021 will have an origination rate of 1.057% for Direct Loans and 4.228% for Parent and Graduate PLUS Loans. Loans with a first disbursement before October 1, 2021 have an origination rate of 1.057% for Direct Loans and 4.228% for Parent and Graduate PLUS Loans.
Annual loan limits for Direct Subsidized and Unsubsidized Loans
Annual limits are for a full academic year (fall, spring and summer). You may not receive more than half of each loan limit per term up to the annual limit at your academic level.
(0-29 credit hours)
(maximum $3,500 subsidized)
(maximum $3,500 subsidized)
(30-59 credit hours)
(maximum $4,500 subsidized)
(maximum $4,500 subsidized)
|Junior and beyondb (60+ credit hours)
(maximum $5,500 subsidized)
(maximum $5,500 subsidized)
(after Bachelor's degree)
$5,500 (unsubsidized only)
(maximum $5,500 subsidized)
|Graduate and Professional
Aggregate loan limits: maximum total outstanding loan debt
(maximum $23,000 subsidized)
(maximum $23,000 subsidized)
|Graduate and Professionalc
- Dependent students whose parents are denied PLUS Loans are eligible to apply for the Independent undergraduate loan limits and must submit a Loan Action Request Form to the University.
- Post Baccalaureate (Second Bachelor) candidates are treated as Undergraduate students for purposes of determining loan limits.
- The Graduate/Professional maximum includes Stafford or Direct Loans previously received for undergraduate study.
Federal Direct PLUS Loans
Federal Direct Parent PLUS loans are available to parents of dependent undergraduate students who are enrolled at least half-time in degree-applicable credit hours. Parent PLUS loans are low-interest loans available to supplement the student's financial aid package, up to the cost of attendance. Repayment begins upon disbursement to the school.
Federal Direct Grad PLUS are available to degree-seeking graduate and professional students who are enrolled in at least six degree-applicable credit hours at one institution. Graduate students can borrow Grad PLUS loans up to their cost of attendance (minus any other aid awarded).
Borrowers who qualify for a Direct PLUS Loan by obtaining an endorser or by documenting extenuating circumstances must complete Parent / Graduate PLUS Loan Entrance Counseling.
Private loans are not part of the William D. Ford Federal Direct Loan Program. They are designed for students who need additional financial assistance, beyond the Federal Direct Loan and Federal PLUS Loan programs, to pay for school. Private loans require an application directly with an educational loan lender and are subject to credit check to determine borrower eligibility. While these loans do not require a FAFSA and may have different criteria for enrollment and SAP, they do require UNF certification. Students must submit a Private Loan Notification Form requesting UNF certification after they have applied and been approved for a private loan. A student cannot receive a private loan that is greater than the cost of education minus other financial aid received. Each step of the loan process must be completed at least two weeks before the end of the enrollment period to ensure necessary processing time. Students considering a private loan are encouraged to first speak with a One-Stop counselor.
- Summer A, C, 8 and 10 week classes begin: May 16, 2022
- Summer A, C, 8 and 10 week add/drop deadline: May 20, 2022 at 11:59 p.m.
- Summer A, C, 8 and 10 week payment deadline: May 23, 2022 at 5:00 p.m.
- Summer B classes begin: June 27, 2022
- Summer B add/drop deadline: July 1, 2022 at 11:59 p.m.
- Summer B payment deadline: July 5, 2022 at 5:00 p.m.
- Requested loans will be considered "accepted." If you decide to cancel or otherwise alter the amount borrowed, please submit a 2021-2022 Loan Action Request Form to One-Stop Student Services.
- Tuition and fees will be automatically deferred for students who have been awarded and who have accepted aid by the payment deadline date. You can only defer tuition and fees up to the amount of financial aid you have accepted.
- If you do not have any estimated financial aid on your UNF bill in myWings by the payment deadline date and do not make payment arrangements with Student Financial Services at (904) 620-2472, you may be administratively dropped from your classes for non-payment.
- If you no longer wish to attend a course(s) for which you are registered, it is your responsibility to officially drop that course(s) before the add/drop deadline.
Disbursement of Funds
- It is your responsibility to satisfy all financial aid verification (if selected) and disbursement requirements. Monitor your Financial Aid Requirements in myWings in the Financial Aid tile. If you are selected for financial aid verification, you will not be evaluated for institutional grant eligibility until the verification process has been completed and all Financial Aid Requirements have been satisfied.
- UNF will deduct certain amounts owed to the University (i.e. tuition, bookstore authorization, housing, etc.) before issuing eRefunds. You must complete the Financial Aid Authorization form in myWings in order for your financial aid to pay "non-allowable" charges such as parking, library fines, late fees, etc.
- Students who drop or withdraw to less than six degree-applicable credit hours will no longer be eligible for loans. If you drop or withdraw after your financial aid was disbursed, you may be required to repay financial aid that was disbursed.
- Pell Grants will be awarded based on the assumption of full-time enrollment in degree-applicable credit hours. Disbursements will be prorated based on actual hours of enrollment in degree-applicable credit hours.
- Remember, Institutional Grants can only consider degree-applicable credit hours taken at UNF in Summer A/C/8/10.
- It is your responsibility to satisfy all financial aid verification (if selected) and disbursement requirements. Monitor your Financial Aid Requirements in myWings in the Financial Aid tile.
- Financial aid awards can only be disbursed to your student account if you meet all eligibility criteria, including, but not limited to, Satisfactory Academic Progress (SAP) and degree applicability of coursework.
- If you are placed on SAP suspension after you have been awarded, please be aware that your aid will not disburse unless you file a SAP appeal that is approved.
- If you have pending Pell or loans at another institution, you must cancel those awards at that institution.
Consumer and Safety Information
The Higher Education Act of 1965 (HEA), as amended, requires institutions that receive Title IV funding to provide specific consumer and safety information. For detailed information, please visit the UNF Consumer Information webpage.