• Financial aid award notifications are delivered via email after a student has been admitted to The University of Baltimore  and we have received a valid FAFSA with all required supporting documents.

  • Continuing students or new students  who have registered for class(es) will receive financial aid status updates and award notification in their  student ubalt.edu  email account(s).
  • New students  who have not registered for class(es)  will receive financial aid status updates and award notifications in the email account that was provided on the admission application.

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• Your financial aid package was developed according to federal and state regulations, and institutional guidelines. It is important that you educate yourself on each source of funding and your responsibilities, such as repayment for loans, meeting  Satisfactory Academic Progress  (SAP) for all aid programs and renewal requirements. Requirements vary for certificate programs.. Your financial aid responsibilities may be reviewed on our  Policies and Procedures  web page.
• Financial aid award offers for  Undergraduate students and Law Day students  are based on  full-time enrollment  in degree-applicable courses when issued prior to the start of classes. This means that  if you are not enrolled full-time in degree-applicable coursework by the end of the add/drop period,  you may not be eligible for the financial aid awarded, or you may only be eligible for a portion of the award. Please refer to the specific enrollment requirements for each source of financial aid.
• Financial aid award offers for Undergraduate Certificates, Graduate, and Advanced Professional Degree students  are based on  half-time enrollment  in degree-applicable courses when issued prior to the start of classes. This means that  if you are not enrolled half-time in degree-applicable coursework by the end of the add/drop period,  you may not be eligible for the financial aid awarded, or you may only be eligible for a portion of the award. Please refer to the specific enrollment requirements for each source of financial aid.
• Financial aid award offers for Doctorate students are based on full-time enrollment (six graduate credits) in degree-applicable courses when issued prior to the start of classes. This means that if you are not enrolled full-time in degree-applicable coursework by the end of the add/drop period, you may not be eligible for the financial aid awarded, or you may only be eligible for a portion of the award. Please refer to the specific enrollment requirements for each source of financial aid.
• Financial aid award offers for  Law Day Part-Time, Law Evening and Law Transfer students  are based on  10 credits of anticipated enrollment  in degree-applicable courses when issued prior to the start of classes. This means that  if you are not enrolled half-time in degree-applicable coursework by the end of the add/drop period,  you may not be eligible for the financial aid awarded, or you may only be eligible for a portion of the award. Please refer to the specific enrollment requirements for each source of financial aid.
• Any financial aid award offers sent after the Census Date of the Fall semester has passed are based on a student's actual Fall enrollment, and their anticipated Spring semester enrollment. Spring Admit students are awarded using anticipated enrollment if the financial aid award offer is sent prior to the Census Date.
• One of the components in preparing your financial aid package is determining your  Cost of Attendance  (COA). The COA includes tuition and fees, room and board, books and supplies, transportation and other personal expenses.
  • Computer Allowance:  First-year law students (1L) have a one-time $1,400 computer allowance added to their Cost of Attendance. Students in all other careers may request a one-time cost of attendance increase during their degree by completing the  Budget Increase Form.
  • PLUS Loan Fees:  Students receiving a PLUS Loan will receive an increase to their cost of attendance when awarded. The PLUS Loan fee increase is $325 per term for Graduate PLUS Loans and $200 per term for Parent PLUS Loans.
• If your Financial Aid Award Offer includes Federal Direct Loans,  note that the gross amounts are listed and that applicable federal loan origination fees will be deducted prior to your disbursement.
  • Find more information at studentaid.gov.
• If your financial aid offer includes Allowance for Graduate PLUS Loan,  please be aware that the offer is your  maximum  allowance for the federal Graduate PLUS Loan. If you are interested in this federal student loan, follow the instructions listed under the  Financial Aid Program Terms and Conditions section.
  You are not required to accept this loan and may decline it by following instructions listed in the section titled  Instructions to Make a Decision on your Financial Aid Offer.
• If your financial aid offer includes an estimated Maryland State Grant,  please know that this award is  not final  and is contingent upon confirmation from Maryland Office of Student Financial Assistance (OSFA) which can be accessed from the  Maryland Higher Education Commission  (MHEC) website.
• To be considered for federal, state, and most UBalt financial aid,  you are  required to file the FAFSA each year. Financial assistance is reevaluated independently each year and appropriate increases or decreases in the amount of assistance offered are made. This reevaluation includes a review of your  Satisfactory Academic Progress, your financial need, remaining eligibility and available funds.  Financial Aid awards are not automatically renewed each year.  There is never a guarantee of similar funding levels from one year to the next. You must complete the FAFSA  before March 1 deadline to be considered for most State of Maryland awards and for priority consideration for University of Baltimore awards.

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Here is a list of requirements to remain eligible for your financial aid award offer:

• You must submit all additional information and/or documents requested by the Office of Financial Aid by the requested deadline(s). You will be notified of outstanding requirements via your UBalt email and can also view them on your "To Do List" in the "Student Center" section of your  MyUBalt Portal. Submit documents through the Office of Financial Aid’s  Secure Upload Service.
• You must be enrolled in the required credit hours for your course program of study to receive a disbursement. Note: For federal loan programs enrollment of at least half-time (6 degree-applicable credits for undergraduate, graduate (masters and certificate programs) and professional programs, and 3 degree-applicable credits for doctorate programs) is required.
• You must meet  Satisfactory Academic Progress  (SAP) standards toward your academic objective in order to continue to receive financial aid. SAP requirements include qualitative measure (grade point average), quantitative measure (pace) and maximum time frame (total allowable credits). Students who do not meet these requirements are subject to financial aid cancellation per the  Satisfactory Academic Progress Policy.
• You must report to the Office of Financial Aid of  any additional educational resources via MyUBalt Portal,  such as scholarships, assistantships, military housing allowances, tuition assistance, etc. If your total aid exceeds your assigned  Cost of Attendance  (COA), we are required to reduce university offered aid when notified of additional resources awarded to a student to keep them from being awarded above their COA. Whenever possible, we will adjust loans or federal work-study before adjusting grants or scholarships.
• You must accept, reduce or decline any financial aid awards on your  MyUBalt Portal. Go to the "Instructions to Make a Decision on Your Financial Aid Offer" section on this web page for details.

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Please follow the step-by-step instructions below to access your award offer and to accept, reduce or decline all or a portion of the financial aid offered to you:

View Your Financial Award:

1. Log in to your MyUBalt Portal
2. Click on "My Student Center"
3. In the “Finances” section, select “View Financial Aid”
4. Select Aid Year "2026"
5. Accept or decline financial aid awards that you have been offered
6. Accepted loans may be reduced by entering the amount you want to receive
7. Click the submit button

Graduate PLUS Loans
If you are interested in this federal student loan, you must apply for it at studentaid.gov. The application to apply will be available early April 2025. If you are not interested in the loan, you need to decline it by following the steps listed above. Our office will begin awarding Graduate Plus Loan late May 2025. Below are the loan periods to apply for during the 2025-2026 academic year:

• 08/2025–05/2026 (Fall 2025 and Spring 2026)
• 08/2025–12/2025 (Fall 2025 only)
• 01/2026–05/2026 (Spring 2026 only)
• 05/2025–08/2026 (Summer 2026 only)

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You must abide by the terms and conditions of each financial aid program that has been awarded and which you have accepted.

Federal Grants

• Federal Pell Grant
  Pell Grant recipients are eligible for a maximum award duration of 12 full-time semesters (or the part-time equivalent). To track your lifetime eligibility, log in at  studentaid.gov. If you have been awarded a Pell Grant, the initial award amount is based on full-time enrollment in degree-applicable coursework and prorated for less than full-time enrollment. However, if you have reached your aggregate limit or are close to the limit, you may not be eligible for a Pell Grant award.
• Federal Supplemental Education Opportunity Grant (FSEOG)
  Funding for the Federal Supplemental Educational Opportunity Grant is limited and only awarded to undergraduate students who are eligible for a Pell Grant. It is based on the date of their FAFSA submission and offered to those who demonstrate an exceptional need for financial assistance.

Institutional Scholarships

• Merit-Based Scholarships
  The University of Baltimore awards generous merit scholarships to students through the admission process, all merit scholarships are tuition restricted and does not cover fees. In order to maintain merit-based scholarships, students must meet all scholarship requirements, including required grade point average (GPA) and course-load. Failure to adhere to scholarship requirements may result in cancellation of a scholarship award.
• University of Baltimore Foundation Scholarships
  Thanks to generous donations from alumni, donors and friends, the UBalt Foundation offers a significant number of institutional scholarships each year. In order to receive UBalt Foundation scholarship, students must meet all scholarship requirements, including required grade point average (GPA) and course load. Failure to adhere to scholarship requirements may result in cancellation of a scholarship award. Donor Profiles are required.
• Student Employment: Federal Work-Study
  If you have been awarded Federal Work-Study (FWS) funds, the amount of your award reflects the maximum amount you may be eligible to earn. Your FWS award is not counted toward tuition and does not guarantee you a job. You must apply for a position, get hired and work to receive these funds. The money you earn will be paid directly to you through payroll. For more information, visit our  Work Study  web page.

   

  Insititutional Grants 

  • UBalt GrantThe University of Baltimore offers an institutional grant, the "UBalt Grant", to undergraduate students who demonstrate financial need. The award ranges from $1,000 up to full in-state tuition per year. Eligibility is determined by the Office of Financial Aid. Students must complete a FAFSA in order to be considered for this grant. The UBalt Grant may be applied toward tuition only;   they may not be applied toward fees.  These funds are nonrefundable.  For more information visit our site. 
  • Presidential Scholar AwardThe Presidential Scholar Award is awarded to UBalt students who are classified as in-state, demonstrate high financial need as shown on the FAFSA, and who are enrolled in a minimum of 6 credits per semester excluding winter session.

Federal Loans

Loans are a major source of funding for many students. However, it is  important  to keep in mind that every dollar you borrow must be  repaid  with interest. You must repay your loan, even if you do not complete the education paid for with the loan or are unable to obtain employment in your field of study.

Before accepting a loan award offered to you, be sure to calculate how much you will need to pay for your educational expenses.

• Federal Direct Subsidized and Unsubsidized Loans
  For a Federal Direct Subsidized Loan, the federal government will pay the interest while you are enrolled at least half-time in degree-applicable coursework, for the first six months after you leave school (referred to as a "grace period"), and while the loan is in deferment (a postponement of loan payments). For a Federal Direct Unsubsidized Loan, you are responsible for paying the interest from the date of disbursement.
• Federal Direct PLUS Loans
  PLUS Loans are federal loans that creditworthy graduate students and parents of dependent undergraduate students may use to supplement their financial aid package. To apply for a PLUS Loan, graduate students or parents of undergraduate students may complete the PLUS Loan Request Process at  studentaid.gov.
• Graduate PLUS Loans
  If your financial aid offer includes Allowance for a Graduate PLUS Loan, please be aware that the offer is to your maximum allowance for the federal Graduate PLUS Loan. A student must be enrolled at least half-time. If you are interested in this federal student loan, you must apply for it at  studentaid.gov. If you are not interested in the loan, you may decline it by following steps in the "Instructions to Make a Decision on Your Financial Aid Offer"  section.

If you have been awarded a Federal Direct Loan, such as a Subsidized, Unsubsidized, or a PLUS loan, you must meet the following additional requirements for your loan funds to be credited to your student account:

• Be enrolled at least half time in degree-applicable coursework. Half-time enrollment is defined as 6 credits per semester for Graduate, Law and Undergraduate students. Half-time enrollment for Doctoral students is defined as 3 credits per semester.
• First-time federal loan borrowers must complete Entrance Counseling, the Direct Loan Master Promissory Note (MPN).

If you are applying for a Direct PLUS, graduate students or a parent of undergraduate students may completed the PLUS Loan Application at studentaid.gov. You will be required to complete and sign a PLUS MPN that is separate from the one used for Direct Subsidized and Unsubsidized Loans. Parents must sign an MPN for each child for whom they are borrowing.

Aggregate Loan Limits:

Aggregate loan limits include annual limits and lifetime aggregate limits. Refer to the  Annual Direct Loan Limits Chart  to view these limits.

Private Loans:

Private loans may be an option for students who need to borrow additional funds up to the cost of attendance. Loan approval is based on your credit rating. You may receive more information or apply for a Private Loan by contacting the lender of your choice. The Office of Financial Aid recommends exploring federal aid options before applying for a private loan. As a general rule, federal student loans offer students more favorable conditions than private loans.

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Withdrawing from the University

• Refund and Repayment Policy
  Financial aid recipients who withdraw from UBalt for any reason must contact the Office of Financial Aid to review potential financial aid adjustments and the impact on future financial aid eligibility. You may be required to repay a prorated amount of the funds disbursed to you for any semester from which you withdrew. You will be notified by the Bursar's Office of any balances owed to UBalt.
• Returning Financial Aid (Return of Title IV Funds)
  Any student who completely withdraws from all courses eligible for Title IV funds within an academic semester, for which financial aid is received or could have been received, may be required to return some or all of the financial aid awarded. Federal Return of Title IV Funds regulations are based on the premise that students "earn" financial aid for each calendar day that they attend classes. Students who complete more than 60 percent of the semester are considered to have earned 100 percent of their financial aid. For more information, read the  Return of Title IV Funds Policy.

Special Circumstances/Professional Judgment

If you or your family encounter unusual circumstances that were not originally reported on the FAFSA (such as loss of employment, the absence or death of an immediate family member who contributed to your education, etc.), contact the Office of Financial Aid after your FAFSA has been processed and you have received your financial aid offer to discuss additional options.

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Financial aid funds cannot be credited to student accounts until student enrollment has been confirmed. Financial Aid disbursements typically occur two weeks after the add/drop period. Please visit the online Financial Aid Calendar for current updates.

When financial aid and any other payments exceed tuition and other charges on your student account remaining funds will be refunded to you by either:

• Direct Deposit: This is a free feature that allows students to receive their refunds in a secure, seamless way. All UBalt students are eligible to enroll in direct deposit students refunds. This service is offered through the UBalt vendor, Cashnet. Enrollment is easy by logging in to your MyUBalt portal. https://wwwd.ubalt.edu/admission/financial-aid/aid-basics/types-of-aid/loans/stafford.cfm

For additional information in signing up for direct deposit or tracking your financial aid refund check please visit the Office of the Bursar. 

• Check by Mail: Students are automatically enrolled in this method and the check will be mailed to you at your local address as listed on your MyUBalt portal. Your local address can be updated in MyUBalt and must be current and accurate to ensure delivery of your financial aid refund check. Refunds by check typically take longer than the Direct Deposit option.

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