Frequently Asked Questions (FAQs)

Q1: Is there a deadline for applying for Financial Aid?

A: The FAFSA (Free Application for Federal Student Aid) is available October 1st for the following academic year. Your FAFSA must be received by June 30 of each academic year to be considered, however, the earlier you apply the greater your chances are for receiving a limited grant and/or federal work-study funds. When you complete the FAFSA you are applying for Federal, State and University assistance.  

Q2: What is the Federal School Code for UWF?

A: Our Federal School Code is 003955. This code is required on the FAFSA in order for UWF to receive the results.

Q3: Who is eligible for Financial Aid?

A: In order to be eligible for financial aid, students must meet the following criteria:

1) U.S. citizen or eligible non-citizen; students who are on a temporary or student visa are not eligible for financial aid.
2) You must be admitted as a degree seeking student.
3) You cannot be in default on any prior student loans and do not owe a repayment on any Title IV financial aid.
4) You must be enrolled in the required number of hours.
5) Male students between the ages of 18-25 must register with Selective Service at to receive financial aid.

Q4: How does a student apply for Financial Aid and how often do they need to apply?

A: Complete the FAFSA online at You must re-apply every year.

Q5: When will I be Awarded?

A: For the upcoming Academic Year, we start emailing Award Letters to first-time freshmen in mid-December, and all other students will start to receive Award Letters at the beginning of May.  You will receive all award notifications via email, so it is important that you check your email often. 

Q6: Do I need to be full-time to receive financial aid?

A: No.  You may be enrolled part-time and be eligible for financial aid.  Different awards have different enrollment criteria.  For example, Federal Direct Loans and Bright Futures require at least half-time enrollment.  All students are awarded assuming full-time enrollment.  If you change enrollment plans, the Office of Financial Aid and Scholarships must be notified immediately, and we will revise your award if necessary.

Q7: What is cost of attendance?

A: Cost of Attendance is the student budget used in calculating your eligibility for financial aid. It includes estimated expenses for tuition, books, housing, meals, transportation, and other personal expenses.  Please note that the cost of attendance does not reflect a student's actual charges, rather estimates or average costs.

Q8: I should have a Florida Bright Futures Scholarship but I don't see it on my account - why is that?

A: There can be a couple of reasons why a Bright Futures scholarship may not show. If you are just graduating from high school this year, you'll need to make sure that you've completed your Bright Futures/State of Florida Application and that your scholarship has been posted with UWF's code 171 so that we can receive information from the state on your eligibility. We may not be able to process your Bright Futures scholarship until you take this step.

Also, if you are a new student to UWF, make sure that the Admissions Office has your residency information to document your Florida residency status, as that is required for Florida Bright Futures awarding.

Q9: Can I get financial aid for summer school?

A. You may be eligible for financial aid in the summer; however, summer aid is limited.  Please notify the Office of Financial Aid and Scholarships if you plan to attend summer school by submitting a Direct Loan Request Form.  In your MyUWF, search and select "Financial Aid Forms" and choose the Direct Loan Request Form for the applicable aid year.  It is important that you plan accordingly if you know you are attending in the summer, so you can save some of your aid eligibility for the summer semester and not use all available funding during the fall and spring semesters.

Q10: What happens if I withdraw from a course during the semester? How will it affect my financial aid?

A: Your financial aid maybe adjusted if you withdraw from a course during the semester. Please contact the Office of Financial Aid and Scholarships prior to withdrawing to determine if you will be required to pay back funds and if the withdrawal will jeopardize your eligibility for future aid. Withdrawing may also affect your ability to maintain Satisfactory Academic Progress; please review our SAP Policy Basics and SAP Policy Details.

Q11: Does an outside scholarship affect my financial aid award?

A: Scholarships are included as a resource in your financial aid package.  It is our policy to ensure that students are awarded for achievements and efforts by first applying these funds to any unmet need the student may have.  If need has been met 100%, we will reduce your student loan and/or spring awards when possible. It is the responsibility of the student to notify the financial aid office of all outside scholarship awards.

Q12: What is the difference between subsidized and unsubsidized Stafford loan?

A: An unsubsidized loan accrues interest during in-school grace period, while a subsidized loan does not. The Federal government pays the interest on the subsidized loan while you are in school at least 1/2 time (6 credit hours or more).

Q13: When do I have to repay my loans?

A: Repayment begins on student federal loans six months after graduation or after the student is no longer enrolled at least half-time.  In all cases, loans must be repaid regardless of whether you complete the program or are satisfied with your educational experience. Failure to repay your loans can result in serious consequences and negatively impact your ability to obtain future credit.  For alternative/private loans, please contact your lender for repayment information.