Student Loans

Graduate students are eligible to apply for financial aid by completing the Free Application for Federal Student Aid (FAFSA) from the Office of Student Financial Assistance (AD 120). Applications should be received before March 1 to be considered for a Perkins Loan or Federal College Work Study. Graduate students may be considered for the Federal Stafford Loan, the Perkins Loan, and the Federal College Work Study Program. Short-term loans are also available for graduate students. 

In order to be eligible for a Federal Stafford Loan, graduate students must be degree-seeking, enrolled in at least 3 hours at UCF, and maintain academic progress. The maximum subsidized loan amount for graduate students is $8500. An Entrance Interview is required of first-time borrowers at UCF. 

To obtain a loan, students must not be in default on any educational loan or owe repayment on a grant at this or any other institution. Students must supply a financial aid transcript from all previously attended post-secondary institutions, whether or not any financial aid was applied for or received. Only U.S. citizens or eligible noncitizens (e.g., resident aliens) are eligible for Stafford Loans. In order to be eligible for Perkins Loans, students must be enrolled for a minimum of six (6) graduate credit hours. 

Short-term loans are available to cover books and supplies, or for unexpected emergencies. This loan is not for tuition and fees. These funds are normally available within 3-4 working days after application processing once classes have begun. Up to $300 may be requested; more may be obtained for graduate students only under special conditions that generally are recommended by Graduate Studies. 

Non-degree-seeking post-baccalaureate students are not eligible for student loans. 

Questions regarding the student loan process should be directed to finaid@pegasus.cc.ucf.edu. See the UCF Office of Student Financial Assistance web site for more detailed information about the financial aid application process.

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