The Financial Aid Office (FAO) coordinates the awarding of scholarships, grants, work-study, and loans through Federal, State, and University funds. Financial aid enables students to reduce or eliminate financial barriers to admission and retention at the University. All awards are contingent upon availability of funds. Non-degree students are not eligible to receive financial aid.
A student applying for financial aid must follow the procedure outlined below:
Most financial aid programs require that an applicant register at least half-time, maintain satisfactory academic progress, and show evidence of financial need. Receipt of a financial aid award does not guarantee financial aid in subsequent years. A student must reapply for financial aid each academic year.
These two-semester graduate student budgets are used to determine initial financial aid awards, but can be adjusted later in the year if tuition figures change.
Commuter - residing with parents, relatives, or friends without the responsibility of rent or mortgage.
Graduate tuition amount is based on 9 credit hours per semester and 18 credit hours per academic year (an average course load).
Financial aid recipients must comply with UWF's satisfactory academic progress (SAP) requirement for GPA, Completion Ratio (CR), and Maximum Time Limit (MTL). The complete policy is available on the financial aid website. Financial aid eligibility is checked at the time a student is awarded and at the end of every semester when grades are posted. Minimum requirements are:
Master's, Specialist, and Doctorate: 3.0 at all times
Satisfactory completion means that a student must complete at least 75% of the courses in which they enroll with the following grades: A, B, C, D, and S. Unacceptable grades include F, N, U, I (incomplete), W, WF, WR, TR, V (extended incomplete) and X (audit). Transfer hours from previous institutions and repeat coursework are included in the completion ratio.
The maximum time limit for a graduate student is 150% of the program length. All coursework taken is included in these totals (transfer hours, repeat coursework, withdrawals, F's, etc.). Maximum Time Limit for a second masters is 150% of program length. Maximum Time Limit cannot be appealed.
Students declared ineligible for financial aid on the basis of unsatisfactory academic progress may appeal the decision in writing by completing the Satisfactory Academic Progress Appeal Form. Appeals are based on extenuating circumstances only; documentation is required.
A student that chooses not to appeal, or whose appeal is denied, will regain eligibility once the minimum standards for GPA and/or completion ratio are attained. The student is responsible for contacting the Financial Aid Office when standards are reached.
Limited institutional funds are available to graduate students working on a first masters degree who demonstrate financial need. Repayment is not required. Grants range in value up to $2,000 per year.
An unsubsidized loan is the primary type of financial aid available to a graduate student. Interest does accrue from the time the loan is disbursed. The student has the option to pay the interest every 90 days or let it capitalize. Students are encouraged to pay the interest, if possible, to avoid additional interest charges. There is a 6-month grace period before repayment begins, and the student can repay the loan at any time without penalty. Additional information regarding interest rate, annual, and aggregate limits can be found on the financial aid website.
The Grad PLUS loan allows a graduate student to borrow up to the total cost of education minus any other financial aid. The interest rate is fixed, and repayment is generally deferred while in school. Half-time (6 graduate semester hours) enrollment, satisfactory academic progress, and a credit check are required. Additional information and application procedures are available in the Loans section of the financial aid website.
These are need-based, long-term, 5% interest loans awarded to a limited number of students. Loans up to $4000 per academic year (fall and spring) are awarded to students enrolled at least half-time (6 semester hours) and working on a first degree. Repayment begins nine months after the student graduates or ceases at least half-time enrollment.
Merit-based funds are awarded to a limited number of graduate students by the academic departments. The John C. Pace, Jr. Graduate Scholarship is awarded to new and currently enrolled graduate students with a 3.00 GPA. Enrollment in six or more hours of graduate credit is required. Each college may establish additional criteria. The amount of the award varies for each graduate student.
Merit-based funds are awarded to a limited number of graduate students by the academic departments. The Merit Graduate Scholarship is awarded to new and currently enrolled graduate students with a 3.00 GPA. Enrollment in six or more hours of graduate credit is required. Each college may establish additional criteria. The amount of the award varies for each graduate student.
University departments and offices employ students under the OPS program. The Office of Human Resources oversees and posts student employment job opportunities on-campus. Visit the Student Employment site at jobs.uwf.edu, select "Student". For more information contact Human Resources at (850) 474-2694.
Off-campus employers advertise with the Office of Career Services to assist in filling part-time positions. Information is available online at uwf.edu/career.