Undergraduate Students

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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

Grants

Students may qualify for one or more federal, state, or institutional grants as part of the need-based financial aid award. Grants do not require repayment. They are awarded to undergraduate students (working on first bachelor's degree) who file the FAFSA and demonstrate financial need.  SFS automatically considers a student's federal grant funds when reviewing financial aid applications.

UD and federal grant funds are paid directly to the student account at the start of each term.  State grant funds received after the start of the term are posted upon receipt of funds from the originating state.

University Grants

The University of Delaware awards a number of scholarships and grants based on a student's financial need, as well as academic performance. Eligible students will see these awards reflected in the financial aid notice. Delaware residents who enroll at UD as first-time, full-time undergraduate students in the fall immediately after high school will have grant eligibility determined under the University's Commitment to Delawareans Program (see "First in Financial Accessibility" on the Pathways for Delawareans website).

The UD Blue Hen Success Grant is designed to ensure small financial circumstances do not become barriers to degree completion.

Federal Pell Grant

Pell Grants are awarded based strictly on the student's Expected Family Contribution (EFC).  Students eligible for these awards will see them reflected on the financial aid award notice.

Federal SEOG

Federal Supplemental Education Opportunity Grant (FSEOG) funds are awarded on a first-come basis to Pell eligible undergraduate students based on their overall financial need. These funds are awarded to students directly by the University and are limited to the funds allocated to the University by the U.S. Department of Education. Students eligible for these awards will see them reflected on the financial aid award notice.

State Grants

Delaware provides grant information for Delaware resident students at delawaregoestocollege.org. Non-resident students are encouraged to check their home states' higher education agencies or authorities for available state grant funding.

TEACH Grant

Teacher Education Assistance for College and Higher Education (TEACH) Grant is different from other federal student grants because it requires you to take courses needed to begin a career in teaching, and then perform a qualifying teacher role in order to keep the grant from turning into a loan.  Interested students can complete an application.


Scholarships

The University of Delaware automatically considers admitted students for a range of academic merit scholarships, with no separate application required.  Returning students who file the FAFSA are evaluated each year for endowment (donor) scholarships.  Other scholarships may be available through non-University resources.

UD scholarship funds are paid directly to the student account at the start of each term.  External scholarship funds received after the start of the term are posted to the student account upon receipt of the funds from the paying entity.  Visit the Additional Scholarships page for information on UD endowments and external scholarships.

Merit Scholarships

UD applicants are reviewed for merit scholarships upon admittance.  Merit scholarship guidelines can be found on Admissions' Financing Your Degree page.

Endowed Scholarships

UD's generous donors provide over 200 scholarships and grants for eligible students.  Many endowments are awarded based on specific criteria (e.g., college or major, merit, and/or financial qualifications).  Typical amounts are $2000 per year.

All students who file the FAFSA are automatically evaluated each June for these scholarships, and selected recipients are notified in early July as financial aid packages are prepared.

A limited number of UD endowments with special criteria can be found on our Additional Scholarship Resources page.

Music Scholarships

Students who audition to be accepted as music majors are considered for music scholarship awards during their auditions. These awards are competitive and are awarded by recommendation after all auditions have been heard. All music majors who receive Department of Music talent-based scholarships may be required to participate in more than one ensemble.

In addition, students who participate in the Fightin' Blue Hen Marching Band are eligible for a scholarship. Visit the Department of Music for additional information.

Athletic Scholarships

The Department of Intercollegiate Athletics grants performance-based scholarships in all sports in compliance with NCAA Division I regulations and guidelines. Amounts vary. For more information, contact the Athletics Department, at (302) 831-4006, or complete the Prospective Student Athlete Questionnaire.

ROTC Scholarships

U.S. Army: Two and three-year scholarships are available for enrolled and non-enrolled on-campus students. For more information on scholarships or anything related to Army ROTC, contact the Recruiting Officer at 1-800-830-ROTC.

U.S. Air Force: There are three different types of scholarships. For questions on scholarships or anything related to U.S. Air Force ROTC, contact the Recruiting Flight Commander at (302) 831-2863.

UD's Institute for Global Studies has a limited number of funds which it awards to qualified students.  Students applying to a study abroad program are automatically considered for these need-based scholarships and are notified of any awards upon being accepted to a study abroad program.  More information on study abroad funding may be found on the IGS website.

 

Institute for Global Studies Scholarships

 


Loans

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.

Interest rates and origination fee information can be found at studentaid.gov.

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

Federal Perkins Loans

The federal government is discontinuing the Federal Perkins Loan Program and those loans are no longer available for origination.  Students who have existing Perkin loans can review information on the Federal Student Aid website.

Federal Direct Parent PLUS Loan

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 studentaid.gov.

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

Alternative Loans

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.

New Jersey residents may be interested in taking advantage of the NJ Class loan. More information can be found at the NJ Class website.  A FAFSA is required.

 


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.  Students generally explore these 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 third-party@udel.edu.
  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

More information, including scholarship search engines, can be found on our Additional Scholarship Resources page.


Work-Study

Work-study programs furnish federal or state funding to subsidize wages, providing on- and near-campus employment opportunities to undergraduate students with financial need. Note that work-study awards displayed in a financial aid package represent potential earnings, not an amount to be automatically applied to the student account. Work-study is earned as an hourly wage and paid via direct deposit into the selected checking/savings account on a bi-weekly basis, according to UD Payroll schedules.

Eligibility

Awarded students receive work-study in their financial aid package, but other students may be eligible.  If you do not already have an award, you can request an eligibility check at askSFS.

Find a Job

To search for and apply to UD work-study job postings, visit Handshake. If you need help setting up your Handshake account, contact UD Career Services at 302-831-2392.


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

Students receiving merit scholarships generally are not required to do anything to accept those funds, but must maintain the academic standards associated with those awards to have the funding 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

Most types of financial aid have some form of academic requirement (e.g., certain minimum GPA and/or credits earned towards degree) the student must meet for those funds to be awarded.  Institutional scholarship and grant criteria can be found on the My Finances Award Notice.

In addition, federal and state regulations require UD to monitor each student's academic progress in order to disburse federal and state funds.  Aid recipients must meet certain standards that include both GPA and course completion requirements.

Students who fail to meet any of the terms and conditions of their aid are notified via email and 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.


FAFSA Adjustment 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.  Certain circumstances may present unique financial challenges not captured by the FAFSA, and families may choose to submit a FAFSA adjustment appeal to determine whether these circumstances have any effect on the 2019-2020 expected family contribution (EFC) and subsequent financial need calculated by the FAFSA.

After SFS reviews FAFSA adjustment appeals, financial aid packages may remain the same, be increased, or be reduced, according to the financial information provided.  Submitting a FAFSA adjustment appeal does not guarantee an adjustment will be made to the financial award eligibility.  Decisions are final and will be communicated directly to the student.

For All Appeals

  • Student must have a 2019-2020 FAFSA on file.  An appeal cannot be reviewed until a FAFSA is filed.
  • 2017 Tax Return Transcript or IRS 1040 Tax Return must be provided even if the IRS Data Retrieval Tool (DRT) was used.  All 2017 W-2 forms must be submitted as well.
  • All documentation must be uploaded into My SFS Docs.
  • All documentation must be submitted by May 1, 2020 for appeal consideration.
  • Additional information may be requested.

Required Documentation:

  • Verification letter from attorney or divorce decree which confirms date of divorce/separation.  All pages of divorce decree should be included:
    • Order of spousal support
    • Child custody
    • Child support
  • For a separation, provide proof of separate addresses for each parent (e.g., rental agreement, lease or mortgage statement, utility bills)
  • Documentation of any child support/alimony to be received per month
  • 2019-2020 Income Expense Worksheet

Required Documentation:

  • Death certificate
  • Verification of benefits that will be received as a result of the wage earner's death (life insurance, social security benefits, etc.)
  • 2019-2020 Income Expense Worksheet

Required Documentation:

  • Child support must have been reported on the 2019-2020 FAFSA
  • Verification of court-ordered child support, which states dollar amount of support and date the support will cease (e.g., separation/divorce decree)
  • 2019-2020 Income Expense Worksheet

Required Documentation:

  • Letter from employer, on company letterhead, stating effective date of separation
  • Copies of last two paystubs from former employer, showing gross year-to-date earnings
  • Documentation of any severance pay received, IRAs, stocks, bonds, pension, etc, that have been converted to cash
  • Documentation of unemployment benefits from state agency stating start and end date, weekly amount, and total amount of benefits
    • Alternatively, letter of denial of unemployment benefits, if applicable
  • If the parent has become re-employed, letter of job offer and copies of the two most recent paystubs, indicating pay frequency (eg, weekly, bi-weekly, monthly)
  • 2019-20 Income Expense Worksheet

Required Documentation:

  • Pension plan and retirement benefits documentation, including retirement start date, benefits start date, and amount of benefits
  • Letter from Social Security Administration describing change in benefits
  • Official documentation indicating the taxable amount of benefit
  • 2019-20 Income Expense Worksheet

Required Documentation:

  • Signed statement from a physician indicating start date of the disability and the expected length of time of inability to work
  • Documentation of any disability benefits expected in 2019-20
  • Official documentation indicating the taxable amount of benefit
  • 2019-2020 Income Expense Worksheet

Families with unusually high medical and/or dental expenses in 2018, where the portion not reimbursed by the insurance carrier exceeds 10% of the Adjusted Gross Income (AGI).  These costs do not include insurance premiums paid or unreimbursed expenses covered by pre-tax cafeteria or flexible spending plans.

Required Documentation:

  • 2018 Tax Return Transcript or signed IRS 1040 Tax Return for parent/spouse and student; if expenses occurred in 2019, 2019 Tax Return Transcript or signed IRS 1040 Tax Return for parent/spout and student
  • 2018 Schedule A (Itemized Deductions); if expenses occurred in 2019, 2019 Schedule A

Required Documentation:

  • Copy of the 2017 1099R
  • Letter explaining the reason for the withdrawal
    • Appeals will be considered for withdrawals made for purposes of covering living expenses due to loss of employment

Students who, after reviewing the above, feel they may qualify for a FAFSA adjustment appeal can file one by visiting askSFS.

File FAFSA Adjustment Appeal

Consortium Agreement

A consortium agreement is a written contract between two eligible schools enabling a student to take coursework at a different institution for the purpose of completing a degree at the University of Delaware.  The agreement allows a student to receive the same amount of financial aid he or she would normally receive for classes taken at UD.  If a credit balance is created by financial aid funds, then a refund can be requested and released to the student.  Students should review and complete the consortium guidelines and checklist to finalize the relevant financial aid.


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.