General Questions Payments & Refunds FAFSA, Pell Grants & Loans Competitive Scholarships General Questions What is the status of my financial aid? A student can determine the status of the financial aid by reviewing the UAH account at https://my.UAH.edu. A student should review specific areas of the UAH account: Student Requirements - Are all requirements complete? Award Offer - Are the funds accepted? Academic Progress - Is the student meeting Student Academic Progress? What if I am taking a different number of credits than what my financial aid offer is based upon? Initially, the cost of attendance is set for full-time enrollment. If the number of credit hours is different than what the award was based on, the Cost of Attendance of the student must be recalculated and a new determination made of financial aid eligibility based on the new enrollment status. Any ineligible aid must be returned, possibly leaving the student with a balance. Can I use my merit tuition scholarship and federal aid while I study abroad? It depends on the type of program that you will participate in as well as the type of aid that you’d like to receive. Depending on the semester and the type of program you participate in you may be eligible to use your merit scholarship and or federal aid. Please contact our office for more information. Can I receive financial aid in the summer? To determine a student’s eligibility for the Summer term, a student is required to report the number of hours the student will be attending. The Office of Financial Aid will then determine the student eligibility for the Summer term. Click here for additional information. How will participating in a co-op affect my financial aid? Students should contact Career Services for co-op and internship opportunities. https://www.uah.edu/career-services/internships-coops. Information on how co-op and internships affect financial aid can be found at https://www.uah.edu/admissions/undergraduate/financial-aid/co-op-internships. Can scholarship funds be used for anything other than tuition? UAH merit scholarships are for tuition only. Other awards typically do not stipulate a specific use and can be used for any college expenses. How do I get proof of enrollment? Contact the Office of Registrar: Student Services Building, Room 120 301 Sparkman Drive Huntsville, AL 35899 256.824.7777 256.824.7780 (fax) email@example.com How do I order a transcript? Contact the Office of Registrar: Student Services Building, Room 120 301 Sparkman Drive Huntsville, AL 35899 256.824.7777 256.824.7780 (fax) firstname.lastname@example.org How do I get a deferment? The Office of Registrar submits enrollment reporting monthly to a clearing-house for your lender to verify enrollment. This process replaces the need for a deferment form. Loans require at least half-time enrollment for deferment. What if I have Veteran educational benefits? https://www.uah.edu/admissions/undergraduate/financial-aid/scholarships/veterans Or https://www.uah.edu/admissions/graduate/financial-aid/?view=article&id=12935&catid=102 What is SAP and how do I file an appeal? Satisfactory Academic Progress (SAP) https://www.uah.edu/admissions/undergraduate/financial-aid/policies After grades post, the SAP notification email will include information on how to submit a SAP appeal online. The following is required for the appeal process: Explanation of the reason(s) or circumstance why satisfactory progress was not met Description of corrective action taken to resolve the situation Documentation that supports the explanation or circumstance referenced in your appeal Am I eligible for on campus employment? Log into: https://www.uah.edu/career-services/services/charger-path for employment opportunities. What if I have an outside scholarship check? Funds (checks) or notifications should be delivered to the UAH Office of Financial Aid in Suite 124 of the Student Services Building Huntsville, AL 35899. Upon receipt, the award will appear on your Financial Aid summary. Usually, within 5 days and after the first day of the semester, the funds will be applied to your bill. What if I have a third party that will be paying my bill? Notifications should be delivered to the Office of Financial Aid in Suite 124 of the Student Services Building Huntsville, AL 35899 or via email to email@example.com. Upon receipt, we will award the funding and it will appear on your Financial Aid summary. We do not bill the third party until the drop/add period has expired. Why has my graduate assistantship not paid for my tuition? https://www.uah.edu/admissions/graduate/financial-aid/assistantships - For questions about graduate assistantships at UAH, please contact the Graduate School. I have a full tuition scholarship - why is there a tuition charge on my bill? All students will see applicable tuition charged to their bill. Merit tuition scholarships will appear as a payment of that charge once funds are disbursed. How do I accept my scholarship offer? Step 1: Go to my.uah.edu Step 2: Log in using your ChargerID and Password Step 3: Under the "Financial Aid" tab, select AWARD Step 4: Click on: AWARD FOR AID YEAR Step 5: Select Aid Year Step 6: Go to the tab labeled "Accept Award Offer" Step 7: Click the "Accept All Awards" button or accept the selected award What are the requirements for scholarship renewal? Renewal requirements vary based on the scholarship that has been offered. Students should review the award description linked on their my.UAH account for renewal information specific to their award. Payments & Refunds When are tuition and fees due? All tuition, fees, room and board charges are due on the first day of the semester. Late fees will apply to unpaid balances unless you have an installment plan. How do I make payments for tuition and fees? https://www.uah.edu/bursar/billing-and-payment/payment-option How do I sign-up for an installment plan? UAH offers installment plans through a third-party. For more information go to: Installment Plan When will I receive my financial aid refund? Refunds of credit balances are processed by the Bursar. More information is available at: https://www.uah.edu/bursar/refunds How can I buy books now? If you have a credit balance on your account, you can choose to move a portion of that balance to your Charger Card Flex account for use around campus including the bookstore: Complete the Transfer Funds Form. How do I transfer excess financial aid to my Charger Card? If you have a credit balance on your account, you can choose to move a portion of that balance to your Charger Card Flex account for use around campus including the bookstore: Complete the Transfer Funds Form. Why do I see a negative balance on my account? Negative balances usually reflect that you have received funds or paid in excess of your charges. The first thing you should do is check to see that your account reflects all of the expected charges. Then calculate the financial assistance and payments toward your account balance. If the financial assistance and payments are more than the charges, then you are due a refund. More information is available under the question regarding Financial Aid Refunds. What is the late fee? A $50.00 late payment fee will be charged to any account not paid in full by the first official day of each semester. FAFSA, Pell Grants & Loans What is an FSA ID? An FSA ID is a username and password that you must use to log in to certain U.S. Department of Education (ED) websites. Your FSA ID identifies you as someone who has the right to access your own personal information on ED websites such as the Free Application for Federal Student Aid (FAFSA®) at fafsa.gov. If you are a parent of a dependent student, you will need your own FSA ID if you want to sign your child's FAFSA electronically. If you have more than one child attending college, you can use the same FSA ID to sign all applications. Please note: Each FSA ID user must have a unique e-mail address. Your FSA ID is used to sign legally binding documents electronically. It has the same legal status as a written signature. Don't give your FSA ID to anyone—not even to someone helping you fill out the FAFSA. Sharing your FSA ID could put you at risk of identity theft. Why do I have to provide tax information and/or financial documents? When students are selected for verification, the university is required to verify that the information on their Free Application for Federal Student Aid application matches their income tax, financial, and other household information. Please respond to any request in a timely manner. Do I have to complete the FAFSA every year? UAH does not require the FAFSA for scholarships but if you are requesting federal aid (grants and/or loans) you must complete the FAFSA each year. Are there limits for grants and loans? A student can receive a Pell grant for 6 years or the equivalent if they qualify. Loans have both annual and aggregate loan limits: Annual Maximum Loan Limits Grade LevelDependent StudentIndependent Student Freshman: 0 - 30 credit hours $5,500 (no more than $3,500 subsidized) $9,500 (no more than $3,500 subsidized) Sophomore: 31 - 60 credit hours $6,500 (no more than $4,500 subsidized) $10,500 (no more than $4,500 subsidized) Junior/Senior: 61+ credit hours $7,500 (no more than $5,500 subsidized) $12,500 (no more than $5,500 subsidized) Graduate Professional N/A $20,500 Aggregate Maximum Loan Limits StatusAmount Dependent Student $31,000 (no more than $23,000 subsidized) Independent Student $57,500 (no more than $23,000 subsidized) Graduate/Professional $138,500 I see student loans on my account. Why was I not awarded the Pell Grant? The FAFSA determines a student’s eligibility for need based Federal aid. The eligibility of Pell Grant funds and other need based aid is determined by the Expected Family Contribution (EFC) as determined by the FAFSA The parent/student income level may be too high to qualify for grant A student who has received a bachelor’s degree or the equivalent of a bachelor’s degree is not eligible for Pell Grant Funds Pell Grant funds are also prorated based on a student’s enrollment (some grant eligible students must be full-time to receive their grant) What steps are needed to do to prepare my student loan to pay? Accept loan at https://my.UAH.edu Complete a Master Promissory Note (MPN) Complete Entrance Counseling How often do I complete the loan requirements? Complete the FAFSA each year www.FAFSA.ed.gov Accept your loan each year http://my.UAH.edu Master Promissory note once every 10 years unless funds never disbursed then the MPN would expire after one year Entrance Counseling once every 10 years - unless funds never disbursed then the counseling would expire after one year Is federal aid meant to cover all of my expenses? The FAFSA is available for students to apply for assistance for paying educational expenses. Based on a student’s and parent’s income eligibility and the student’s enrollment, housing, etc. Federal aid may not cover all expenses. I accidentally accepted my loan. How do I cancel the aid? Step 1: Go to my.uah.edu Step 2: Log in using your ChargerID and Password Step 3: Under the "Financial Aid" tab, select AWARD Step 4: Click on: AWARD FOR AID YEAR Step 5: Select Aid Year Step 6: Go to the tab labeled "Accept Award Offer" Step 7: At the top of the page it will say “click here for loan adjustment.” Complete the form that opens in that link and add a comment in the box provided to clarify your request. When will my loan proceeds arrive? Aid is applied to students account the first day of classes each semester or once the student ‘s requirements have been met and the student’s level of enrollment and eligibility for funds have been verified. If the student’s file is not complete by the beginning of the semester, time delays will be experienced. Generally, refunds occur at least once a week. If you are expecting a refund after your balance has been paid, check with the Bursar’s Office to inquire about your refund. My parents do not support me with financial support. Can I apply as an Independent student? In order to be considered independent for financial aid purposes you must meet one of the following criteria: You must turn 24 before January 1 of the academic year that you are applying for. Be a Graduate/Professional student. Be married. Have children who receive more than half of their support from you. Have dependents (other than your children/spouse) that live with you and receive more than half of their support from you. Be an orphan or ward/dependent of the court. Be a veteran of the United States Armed Forces. You are or were an emancipated minor as determined by a court in your state of legal residence. You are or were in legal guardianship as determined by a court in your state of legal residence. If your high school or school district homeless liaison determine that you were an unaccompanied youth who was homeless in the year before you apply for financial aid. If a director of an emergency shelter or transitional housing program funded by the U.S. Department of Housing and Urban Development determine that you were an unaccompanied youth who was homeless in the year before you apply for financial aid. If a director of a runaway or homeless youth basic center or transitional living program determine that you were an unaccompanied youth who was homeless or were self-supporting and at risk of being homeless in the year before you apply for financial aid. If you do not meet any of the criteria listed above, but can document extreme family circumstances that prevent you from obtaining your parents information/support, please contact the Office of Financial Aid for a possible reevaluation of your status. Are there other options available if my expenses are not covered by federal aid? A Dependent student’s parent can apply for a Direct Parent Plus Loan to help cover educational expenses at www.studentloans.gov Private Loans Deferred payment plan http://bursar.uah.edu A Graduate student may apply for a Graduate Plus Loan at www.studentloans.gov What are private loans for students? Private loans are credit based loans for students to assist with educational expenses. As a result the student must be credit worthy or have a credit worthy cosigner. These loans are not administered by the U.S. Department of Education. Each lender can set the interest rates, loan fees and terms of his/her program based on lender parameters. Most lenders have online applications to expedite the process. Once the lender approves the loan the lender will require a certification from UAH to verify enrollment and eligibility. The amount the student is eligible to receive is based on cost of attendance and enrollment for the loan period or periods requested. What is a Parent Plus Loan? A parent plus loan is a credit based loan that a parent takes out on the student’s behalf. The parent must be credit worthy or have a credit worthy cosigner to be approved. - If the parent loan is applied for and turned down, we can offer the student additional funds in their name ($4,000 for a freshman/sophomore and $5,000 for junior senior). The parent plus loan amount may be up to the student’s cost of attendance based on the students enrollment and the loan period requested. The parent loan will go into repayment after the loan is fully disbursed for the loan period. Example: a disbursement would occur for fall in August and a second or final disbursement in January for the spring term. Repayment would begin in approximately 60 days after the final disbursement or in March of the same year. Exception: when completing the parent plus loan application, the parent can check the box “defer” which will allow the loan to defer the repayments while the student is enrolled. Please note when applying for the parent plus loan the parent must use their FSA ID to submit the parent plus loan at www.studentloans.gov What is a Graduate Plus Loan? A graduate plus loan is a credit based loan available for graduate or professional level students. As a result the student must be credit-worthy or have a credit-worthy cosigner to be approved. Applications are available at www.studentloans.gov. The student may borrow up to their cost of attendance based on enrollment for the loan period requested. We suggest that a student use their annual loan limit in the federal unsubsidized loan before using graduate plus loans.. (The graduate plus loan interest rate is higher than the unsubsidized loan). Competitive Scholarships How do I know which UAH competitive scholarships to apply for? Great news! You don’t have to apply for individual UAH competitive scholarships! Our competitive scholarship application is comprehensive for all awards that fall under this program. I am interested in a specific competitive scholarship. How can I be reviewed for that award? Our competitive scholarship application is comprehensive for all competitive scholarship offers. Students do not need to indicate interest for a specific award. We will review all eligible candidates based on the comprehensive application. I completed the competitive scholarship application. How will I know if I have been awarded one of these scholarships? Students selected for a competitive scholarship will receive an email to their UAH email account letting them know there was a change to their financial aid offers. Students should check their UAH email on a regular basis and review their financial aid listings any time they receive an email stating their offer has changed. I completed the competitive scholarship application. When will I know if I received a scholarship offer? Competitive scholarship selections begin in the spring for awards that start in the fall. Most scholarships for the following academic year will be offered by May 1. However, additional offers may be made throughout the year as additional scholarship funds become available. Students offered a competitive scholarship will receive an email to their UAH email account letting them know that a change was made to their financial aid offers. Due to the on-going nature of awarding, UAH does not send “regret” emails to students not selected for an award. Why is it important to submit my scholarship application by the priority date? Students who submit their scholarship application by the priority date will be considered in the first round of scholarship recipient selection and will be considered for all scholarships awarded for that academic year. Submitting an application by the priority date is probably the most important action a student can take to maximize their chances of being selected to receive a UAH competitive scholarship. Who selects the competitive scholarship recipients? Selection committees for competitive scholarships vary based on the scholarship’s donor agreement. These committees may include college deans, department chairs, representatives from various offices on campus, college administration, or even members of campus-based or outside organizations. If the priority date has already passed, should I still submit a scholarship application? Yes, and the sooner, the better! There are a number of scholarships that are awarded after the first round of recipient selection. Students submitting applications after the priority date will be considered for any remaining scholarships. My GPA is just average – should I bother to submit a scholarship application? Absolutely! Although most scholarships do take academic merit into consideration, there are many scholarships that also look at other factors such as leadership, citizenship, community services, membership in certain organizations, and a host of other criteria. When do scholarship renewal evaluations occur? Renewal evaluations occur after grades post each semester.