Associate in Arts Program


Exploring Costs and Aid

We encourage you to review information on educational costs and to familiarize yourself with the processes of applying for, finalizing, and maintaining financial aid eligibility.  The FAFSA is the only application UD requires to consider students for need-based financial aid.  Aid is generally awarded for the academic year, but disbursement (payment) is split between the Fall and Spring Semesters.

Students are responsible for all educational costs on their student accounts after the free drop/add period.




Types of Aid

Pell Grant

Pell Grants are awarded based strictly on the student's Expected Family Contribution (EFC) and do not require repayment. The maximum Pell Grant a student can receive is $5,920 for the academic year. Students eligible for these awards will see them reflected on the financial aid award notice.

Students who wish to be considered for a Pell Grant must file the FAFSA (Free Application for Federal Student Aid).

SEED Scholarship

SEED (Student Excellence Equals Degree) Scholarships are funded by the State of Delaware and cover tuition for eligible full-time students enrolled in the Associate in Arts Program (AAP) at the University of Delaware’s Wilmington, Dover, and Georgetown campuses of Delaware Technical and Community College (DTCC). SEED Scholarships are not offered to students who choose to pursue bachelor's degrees at the University of Delaware in Newark.

Students who wish to be considered for the SEED Scholarship must file the FAFSA (Free Application for Federal Student Aid).  No separate application is required, though paying the SEED Scholarship to the student account is contingent upon the student's final high school transcript.


Educational loans are a form of financial aid which require repayment upon the student's exit from school.  Loans can help a student meet the cost of attendance not covered by grant and scholarship funding or personal resources.

Loan funds are paid directly to the student account at the start of each term.  Students must be enrolled at least half-time (6 credit hours per term) to be eligible for federal and most alternative loans.

Federal Direct Subsidized & Unsubsidized Student Loans

Students who submit a FAFSA and meet other eligibility requirements will be awarded Federal Direct Student Loans.  A portion of these loans may be subsidized, meaning they are interest-free while the student is enrolled in college.

First-time borrowers must complete entrance counseling and a Master Promissory Note (MPN).

The Federal Direct PLUS Program is a popular financing option for parents of undergraduate students.  A FAFSA and a credit check are required.  Students whose parents are denied the PLUS loan based on credit will receive an additional $4,000 (freshman/sophomore) or $5,000 (junior/senior) in Direct Unsubsidized Student Loan eligibility.

Interest rates and origination fee information can be found at

First-time borrowers must complete a Master Promissory Note (MPN).


Alternative (private) educational loans are offered from a variety of lenders. These loans require a credit check.  Generally, students will apply for these loans using a credit-worthy U.S. co-signer.  Alternative loans should be used only after students have exhausted federal loan eligibility.

Students who wish to learn more about alternative loans can find a list of lenders that are frequently used by our students on our alternative lender information site.

The lenders are presented for informational purposes only.  Lenders appearing on the list were chosen based on the lender's ability to receive electronic loan certifications, send Electronic Funds Transfer (EFT), and fee structure. Most loans have zero fees for all borrowers. A few lenders may charge fees for borrowers with poorer credit and/or require that some payments be made while in school. Please read all fee and interest rate information carefully before AND after approval.

Outside Funding

Outside funding includes financial assistance from sources such as employers or third-party payers, veterans benefits, and scholarships through various organizations unaffiliated with UD.  Some external scholarship options appear on our External Scholarships page, and students generally explore these and other additional resources independently.

Employer Funding

Students eligible for tuition reimbursement from an employer upon submission of grades may defer payment of covered tuition and fees.

  1. Financially clear the student account by selecting the relevant deferred option under Report Additional Credits.  Provide dollar amount of employee benefit in the Amount box and the employer's name in Comment box.
  2. Make payment for remaining balance due by the term due date.

SFS will verify the tuition agreement and adjust the account due date to 30 days after final grades are published.

Third-Party Sponsorship

An organization that funds all or part of a student's education and wishes to be billed directly by the University is considered a third party sponsor.  The sponsor provides the student with a sponsor-approved voucher or letter of credit authorizing the University to invoice the organization for any applicable tuition/fees.

  1. Submit all sponsor authorization documents, including sponsor-approved voucher or letter of credit, and the completed Third Party Sponsor Billing Agreement form to
  2. Financially clear the student account.
    1. In My Finances, click the pencil icon to Report Additional Credits.
    2. Select "Third Party" from the Type dropdown.
    3. Enter amount.
    4. Enter comment explaining source of funding.
    5. Click "Save credits."
  3. In order to record credits, you must click "Submit" (if no additional payment is due) or complete payment (if there is a remaining balance due).

University of Delaware is committed to helping student veterans and military service members in their transition from military to college life.  Student veterans can find information and dedicated support at the Student Veterans website.

Students can also seek additional funding through external organizations that offer scholarships.  These organizations may include local and national civic or business organizations.  In most cases, the awarding agency selects the recipient and determines the value of the scholarship.

External scholarship checks should be mailed to:
University of Delaware
Student Financial Services
30 Lovett Avenue
Newark, DE  19716

Additional information, including scholarship search engines, can be found on our External Scholarships listing.


Finalize Aid

Registration with My SFS Docs is mandatory for UD students selected for verification and some other tasks necessary for finalizing financial aid. This is the only way to upload required documents and complete tasks.

Students may confirm their financial aid awards out on My Finances.  Award information is posted staring in early July for the upcoming Fall/Spring Semesters.  Students starting in the Spring Semester will see awards beginning in mid-December.  As a reminder, any consideration for need-based financial aid requires submission of the Free Application for Federal Student Aid.

To Do List

UD reviews the final high school transcripts for all students awarded SEED Scholarships; this review is necessary for SEED funds to pay to the student account, and typically occurs during the summer.  Students must maintain academic standards associated with the SEED Scholarship to have it renewed from one year to the next.

Need-based financial aid (including federal, state, and University aid) may have requirements students complete before the University can pay these funds to the student account.  These items can be found on the To Do List, located in My Finances or UDSIS.

As a general rule, students must complete all additional requirements during the enrollment period, i.e., before the end of the semester.

What a Student May See on the To Do List

Note:  Loan requirements for private educational lenders are not displayed on the To Do List.  A student borrowing a private loan should make sure all steps are completed with the lender.

Federal Verification

Verification is the federally regulated process used to confirm students' FAFSA data is correct.  This process will require students to provide additional documentation.

What to Do

Selected students should review their UDSIS To Do List then create a My SFS Docs account, as instructed in the blue box above.  Students should take care to submit the specific document(s) and complete the specific tasks requested, and allow processing time for SFS to complete the review once all tasks are completed.

Academic Progress

Institutional scholarships and grants have academic requirements that must be maintained.  These can be found on the My Finances Award Notice.

In addition, federal and state regulations require UD to monitor each student's Satisfactory Academic Progress in order to disburse federal and state funds.  Aid recipients must meet certain standards (GPA, minimum/maximum credit hour completion).

Students who fail to meet any of the terms and conditions of their aid may be required to submit an appeal.


Students who have experienced extenuating circumstances which impacted progress may submit an appeal to determine whether aid can be reinstated.  The appeal form is located in My SFS Docs.

Student Financial Services annually reviews recipients of University scholarships for renewability, based upon criteria including, but not limited to, enrollment status, grade point average, and expected family contribution (for need-based awards).

In some extenuating circumstances students may be able to appeal the loss of a scholarship by completing the Scholarship Renewal Appeal form.

EFC/Hardship Appeal

The University of Delaware strives to offer its families the best financial aid packages possible within the limitations of federal, state, and University regulations and funding levels.  Students and/or families who experience a financial hardship or have a change in financial situation not reflected on the FAFSA may consider an Expected Family Contribution (EFC) appeal.  This can determine whether additional funds may be available to support the student's cost of attendance.

Federal and institutional need-based aid is limited and based on the EFC, and EFC appeal requests may go through verification.

What to Do

Students interested in filing an EFC appeal can complete the form found on askSFS.  An SFS Advisor will contact students after submission of the form.  Please note that all EFC appeals must go through the verification process.

Maintain Aid

It is the student's responsibility to understand the terms and conditions of all financial aid awards.  Students are expected to review the full list of financial aid terms and conditions each year.

Academic requirements for most awards can be found on the Award Notice in My Finances.  Students who fail to meet these requirements may need to submit an appeal to retain their financial aid eligibility.