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Federal Financial Aid

Pay for college at UMGC using Federal financial aid.

Federal financial aid can help you pay for your education at University of Maryland Global Campus in a number of ways, if you qualify. Submit the Free Application for Federal Student Aid (FAFSA) every year so you're aware of your options and so that you can be considered for UMGC scholarships as well.

How to Apply

Applying for financial aid doesn't have to be stressful. Anyone can apply for aid, regardless of income, and most of the forms you'll need are available online. Here's how to navigate the process.

  1. Apply for admission to UMGC. If you haven't already been admitted as a student, start your application today.
  2. Complete the FAFSA. The school code for UMGC is 011644. You'll also need to provide information about your income and assets. Apply early. For priority consideration, your FAFSA must be received by the following established priority deadlines.
    • April 1 (for summer term)
    • June 1 (for fall term)
      Please note: Maryland residents should apply by March 1 to be considered for student financial aid from the state of Maryland for the fall semester.
    • November 1 (for spring term)
    • We recommend submitting a FAFSA to UMGC even if you have yet to be admitted. This way, once you are admitted, we can begin the process of reviewing your application without delay.

  3. After an initial review, UMGC will contact you if you are required to do anything else. UMGC will also update your To Do List in your MyUMGC account with detailed descriptions of any additional requirements. You can review your award package in the Financial Aid section of MyUMGC. To learn more about the Title IV verification policy, please visit our Consumer Disclosures and Policies page.

Federal Grants

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

Federal Pell Grant

The Federal Pell Grant is free assistance that is funded and awarded by the Federal government. The Pell Grant is based on the expected family contribution, as determined by the FAFSA and current enrollment.

Recipients must be enrolled in an undergraduate degree-seeking program leading to a first bachelor’s degree and meet all other eligibility criteria. Students are able to receive a Pell Grant for a maximum of 12 full-time semesters.

Federal Supplemental Educational Opportunity Grant

This grant is for undergraduate students who are working toward their first degree and have exceptional financial need. FSEOG awards are not guaranteed from one year to the next.

Pell Grant recipients with the lowest expected family contributions are considered first for an FSEOG. FSEOG funding is limited, therefore all eligible students may not receive this award. The FSEOG does not have to be repaid.

Federal Loans

Federal student loans are government-backed, guaranteed loans. They are low-cost, fixed-rate loans that can be subsidized (need based) or unsubsidized (non-need based). Subsidized loans begin to accrue interest when repayment begins, generally six months after you leave school or your attendance drops below half-time, while unsubsidized loans begin to accrue interest as soon as you receive the full amount of the loan.

Award amounts are based on grade year classifications and vary each year. Students must be enrolled at least half-time to be eligible for a direct loan disbursement.

Half-time status at UMGC is defined differently depending on your program:

  • Undergraduate: 6 credits
  • Graduate: 6 credits
  • MBA: 3 credits
  • Doctoral: 3 credits

Benefits of Federal Loans

Federal student loans are an investment in your future. You should not be afraid to take out Federal student loans, but you should be smart about it. Federal student loans offer many benefits compared to other options.

  • The interest rate on Federal student loans is almost always lower than that on educational private loans—and much lower than that on a credit card.
  • You don’t need a credit check or a cosigner to obtain most Federal student loans.
  • You don’t have to begin repaying your Federal student loans until after you leave college or drop below half-time.
  • If you demonstrate financial need, you can qualify to have the government pay your interest while you are in school.
  • Federal student loans offer flexible repayment plans and options to postpone your loan payments if you’re having trouble making payments.
  • If you work in certain jobs, you may be eligible to have a portion of your Federal student loans forgiven if you meet certain conditions.

More Information

The 25 percent Federal discount was huge. That helped me tremendously because, being a government employee and a D.C. resident, I was able to pay for my last two semesters out of pocket instead of taking out student loans.

- Tameka L., MS in Management with Human Resource Management Specialization


Payment & Finance Options

UMGC is committed to helping you find ways to meet, manage, and lower your education costs.

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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