Financing a University of Delaware Education. Academic Year

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1 Financing a University of Delaware Education Academic Year

2 Estimated Cost-of-Attendance Budget* Below is the estimated educational budget. Official rates are announced in early July and may differ from estimated direct costs. *Estimates are based on average multiyear percentage increases at 4-year higher education institutions. Resident Non-Resident Tuition $ 10,200 $ 27,364 Comprehensive Fee $ 834 $ 834 Student Health Fee $ 522 $ 522 Student Center Fee $ 252 $ 252 Housing Cost $ 6,804 $ 6,804 Dining Cost $ 4,242 $ 4,242 Books $ 800 $ 800 Miscellaneous $ 1,500 $ 1,500 Total Budget** $ 25,154 $ 42,318 **Does not include $120 New Student Orientation Fee 1

3 Merit-Based Scholarships Reviewed automatically through the admissions process Amounts and number of awards based on quality of pool and available funding in any given year Selection criteria may include, but are not limited, to the following: High school transcript Grades, rigor, trend, courses, class rank if applicable SAT/ACT scores (subject tests and AP scores also considered) Leadership experience Service Local and regional awards and recognition Letters of recommendation Essays Talents 2

4 Federal Need-Based Aid Must file the Free Application for Federal Student Aid (FAFSA) Apply online at University of Delaware s School Code is Eligibility Federal aid only available for US citizens and eligible noncitizens (e.g., permanent residents, asylum) Selective Service: Males age 18 and over must register High school completion Financial Need is defined as the Cost of Attendance less Expected Family Contribution (EFC) less any financial aid 3

5 Federal Need-Based Aid Grants Pell Grant Maximum amount: $5,550 Eligibility requirements Awarded to Expected Family Contributions (EFCs) up to $4,995 as determined by the FAFSA Families with lower EFCs receive higher amounts than those with larger EFCs 4

6 Federal Need-Based Aid Grants Supplemental Education Opportunity Grant (SEOG) Maximum amount: $1,000 Eligibility requirements Supplements the Federal Pell Grant Awarded first to Pell-eligible students whose families have EFCs of $0 as determined by the FAFSA 5

7 Federal Need-Based Aid Employment Federal Work-Study Job Maximum amount: $2,000/year Eligibility requirements: Financial need as determined by the FAFSA Specifics Student applies for job Employer hires student University pays student directly Student can use funds to offset educational expenses 6

8 Federal Need-Based Aid Loans Perkins Loan Maximum amount: Tiered at $2,500, $1,500, and $1,000 Amount available depends on repayment by prior recipients Eligibility requirements: Exceptional need as determined by the FAFSA Interest rate: 5% Grace period: 9 months following graduation or after dropping below half-time status Standard repayment length: 10 years Interest does not accrue until repayment 7

9 Federal Need-Based Aid Loans Subsidized Direct Loan Maximum amount: $3,500 for a 1 st year student Eligibility requirements: Financial need as determined by the FAFSA Interest rate: 6.8%, effective July 1, 2012 Grace period: 6 months following graduation or after dropping below half-time status Standard repayment length: 10 years Interest does not accrue until student graduates or drops below half-time enrolllment 8

10 Federal Need-Based Aid Loans Unsubsidized Direct Loan Maximum amount: $5,500 for 1 st year student, less any Subsidized Direct Loan awarded Eligibility requirements: Not based on financial need Interest Rate: 6.8% Grace period: 6 months following graduation or after dropping below half-time status Standard repayment length: 10 years Interest can either be paid during enrollment period or added to balance at repayment 9

11 Federal Need-Based Aid Loans Parent Loan for Undergraduate Students (PLUS) Maximum amount: Cost of attendance less other aid Eligibility requirements Not based on financial need Must pass credit check Interest rate: 7.9% Grace period: May apply for 6-month grace period after leaving school Standard repayment length: 10 years Interest can either be paid during enrollment period or added to balance at repayment 10

12 State Need-Based Aid Delaware residents Student Excellence Equals Degree (SEED) scholarships Maximum award: Associate of Arts (AA) tuition rate Eligibility Awarded to students AA Program Must be Delaware resident graduating from Delaware high school with minimum 2.5 GPA Number of awards may be limited based on state appropriations Pennsylvania residents May use some PHEAA state grants at University of Delaware 11

13 Outside Scholarships Available through various clubs, organizations, associations, employers Students are encouraged to check with affiliated groups Students can also search online scholarship databases 12

14 Other Sources of Aid Loans Alternative Loans Maximum amount: Cost of attendance less other aid Eligibility requirements Not need based Must pass credit check Interest rate: Varies based on credit history and score Grace period: Generally 6 months after graduation or dropping below half-time status Standard repayment length: 10 years Interest can either be paid during enrollment period or added to balance at repayment 13

15 Financial Aid Renewability Merit Scholarships Meet minimum GPA requirements, generally 3.0 Enroll continuously in at least 12 credit hours each Fall/Spring Adhere to student Code-of-Conduct Need-Based Aid Must apply each year using the FAFSA Financial need and aid must remain relatively constant Must meet minimum progress requirements, generally 2.0 GPA with 67% course completion rate 14

16 Payment Plans Tuition and fees billed twice a year for fall and spring (July and December) Aid disbursed twice a year as well Families can pay balance in advance of semester or enroll in the University s installment plan Can divide fall and spring semesters into four equal installments August, September, October, November January, February, March, April $50 enrollment fee per term 15

17 For Additional Information Contact Student Financial Services Website: Online Contact Form: Phone: 302-UD1-4YOU In Person: Student Services Building, 30 Lovett Avenue 16

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