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Federal Financial Aid


Learn about financial aid and other ways to meet, manage, and lower your education costs at UMGC.

You don't have to navigate federal financial aid alone. University of Maryland Global Campus is committed to helping you find ways to meet, manage, and lower your education costs through a variety of options, if you qualify. Below is helpful information to help you get started!

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. Review the How to Apply for Financial Aid page and follow the step-by-step guide for the financial aid application process. Submit the Free Application for Federal Student Aid (FAFSA) every year so you are aware of your options and so that you can be considered for UMGC Scholarships as well. The school code for UMGC is 011644. 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.

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 financial aid offer and college financing plan in the Financial Aid section of MyUMGC. To learn more about financial aid policies, please review our Consumer Disclosures and Policies.

Financial Aid Programs at UMGC

UMGC participates in the following federal student financial aid programs: PELL Grant, Supplemental Educational Opportunity Grant, Direct subsidized loans, Direct unsubsidized loans and Direct PLUS loans (for parents and graduate students). Below is helpful information on each program.

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 Student Aid Index, 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 Student Aid Index 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:

  • Standard Undergraduate: 6 credits
  • Standard Graduate: 6 credits
  • Specialty Graduate: 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.

Student Aid, Grant, & Loan Information

The Federal [tuition] 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


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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