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Grants and Loans

Learn about the difference between grants and loans to cover the costs of your education.

At University of Maryland Global Campus, you have many options to help you afford your education, including grants and loans.

Grants are need-based financial awards that do not have to be repaid. They are available from a variety of sources, including federal and state governments. Award amounts vary depending on your enrollment status and need level.

Many students find that they need additional financing in the form of loans to supplement their savings, grants, and scholarship awards. Loans must be repaid, with interest, and come in two forms: 

  • Federal loans: Most financial aid packages include an offer of aid in the form of federal loans. This option is advantageous because federal loans offer low interest rates and more flexible repayment plans.
  • Private loans: After other sources of aid have been depleted or when federal loan limits have been reached, private loans are another option for creditworthy borrowers.

Please note that students must be enrolled at least half-time to be eligible for a federal direct loan disbursement.

Grant and Loan Options


Learn about scholarship opportunities to bring your academic goals within reach.

Contact Us

Our helpful admissions advisors can help you choose an academic program to fit your career goals, estimate your transfer credits, and develop a plan for your education costs that fits your budget. If you’re a current UMGC student, please visit the Help Center.

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