Contact Us

Office of Scholarships & Financial Aid is located in the Warwick Center.

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Phone: 910.962.3177
Fax: 910.962.3851
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Postal Address:

UNCW Office of Scholarships & Financial Aid
Warwick Center
601 S. College Road
Wilmington, NC 28403-5951

UNCW's school code: 002984


Link to Financial Aid Forms


Disclosure & Policies

OSFA personnel contact information and area of assistance.

Meet our Staff

Cost of attending the institution

Each year, UNCW estimates the Cost of Attendance (COA) to determine your financial need and aid eligibility.  The COA includes both fixed and variable costs. Fixed costs, such as tuition and fees, are paid directly to UNCW.  Items such as transportation, books and supplies are indirect and can vary for each student.

Cost of Attendance

Institution's refund policy regarding tuition and fees

For students receiving federal financial aid, UNCW adheres to the Federal Return of Funds Policy to determine the amount of refund, if any, due upon withdrawal from a course(s).  According to federal law, the Financial Aid Office must recalculate Federal Title IV financial aid eligibility for students who withdraw from all classes, drop out, are dismissed, or take a leave of absence prior to completing more than 60% of a semester.

Federal financial aid programs available

Federal student aid comes from the U. S. Department of Education.  The funds are available to help students pay for the educational expenses such as tuition and fees, room and board, books and supplies and transportation.  It can also help pay for a computer and dependent care.  There are three main categories of federal student aid:  grants, work-study and loans.

Do you need money for college? Federal Student Aid at a Glance 2014-2015


State, local, institutional or private aid available

Eligibility for state and institutional aid is based upon financial need as identified by the FAFSA.  The North Carolina State Education Assistance Authority (NCSEAA) administers state grant, scholarship and loan programs to help North Carolina residents pay higher education expenses.  Award parameters for institutional grant aid are established each year and enable the distribution of available funding to students with varying degrees of financial need.   Institutional scholarships are available to entering and returning students.  Merit scholarships are awarded to high school seniors with distinguished high school accomplishments and based upon the admission application.  To be considered for a need-based scholarship, students must complete the scholarship application each year.    Funding from private, nonfederal loans can be used to supplement funding when all other resources have been exhausted.


Financial aid application procedures and standards used to determine eligibility for each financial aid program

Application procedures, forms and deadlines

To receive federal or state financial aid, students must complete the FAFSA.  In some instances, additional documentation, such as tax transcripts, birth certificates, proof of citizenship, or Social Security cards, is required.  Students will be notified via their UNCW e-mail account if additional documentation is needed.  The prompt submission of these items will enable the completion of the financial aid process and preparation of a financial aid award.  If the requested information is not provided, students will not receive a financial aid award.    

Initial student eligibility requirements 

To be eligible for financial aid, students must: 

  1. Be a U. S. citizen or eligible non-citizen;
  2. Possess  a high school diploma or General Education Development (GED) certificate;
  3. Have a valid Social Security Number (SSN);
  4. Register with the Selective Service (males between the age of 18 and 25)
  5. Not have been convicted under federal or state law of the sale or possession of drugs while receiving federal financial aid;
  6. Be enrolled and working toward a degree or eligible certificate/program of study;
  7. Meet satisfactory academic progress (SAP) standards;
  8. Not be in default or owe a refund on any Title IV aid program from any source;
  9. Complete the entire financial aid application process, and
  10. Have demonstrated financial need (to receive need-based aid).

How eligibility is determined and distributed among students and criteria for continuing student eligibility for financial aid.

Eligibility for aid and award amounts are determined by the results of the FAFSA. The Pell Grant is usually awarded to undergraduate students who have not earned a bachelor's or a professional degree.  The amount considers your financial need, cost of attendance, full or part-time student status, and intent to enroll for the full academic year or less.         

Qualifying students receive the full, eligible amount. FSEOG, Perkins and FWS awards are also based on financial need.  The specific dollar amount of the award can vary each year and is determined by the available funding.  Once these funds are exhausted, additional awards cannot be made. 

Award amounts for Direct Stafford Loans are based on a combination of factors, including the student's grade level, financial need and dependency status (with an additional check against the National Student Loan Database System [NSLDS]).

Satisfactory Academic Progress standards

Federal and state regulations require UNCW to monitor the academic progress of all financial aid recipients.  Aid applicants must comply with SAP policy to remain eligible for continued aid.  


Rights and responsibilities of students receiving financial aid

Description of financial aid disbursement procedures (method, frequency)

The Student Accounts Office is responsible for disbursing your financial aid. Your financial aid is applied directly to institutional charges (tuition, fees, room and board). Any excess funds will be available to you within 14 days of the date the credit balance occurs or within 14 days of the first day of classes, whichever is later. Financial aid student refunds are disbursed to students by direct deposit. Students should log-on to SeaNet and their E-Bill information to set up direct deposit into an existing bank account.

Terms and conditions of any employment in the financial aid package

Federal work-study provides part-time employment for undergraduate and graduate students with financial need to assist their ability to pay educational expenses.  Jobs are available on campus and off campus in community, non-profit organizations.  You must submit the FAFSA and any other subsequent request for documentation to be eligible for receiving an award. 

Terms of, and schedules for, repayments of student loans

Federal student loans are funds that must be repayed, even if you experience financial difficulties.  Therefore, when deciding whether to borrow, you should examine your need for assistance and your future ability to repay. The precise terms of the loans are contained in the promissory notes that borrowers must sign.

Terms and conditions under which students receiving federal loans may obtain deferments

A deferment is a period during which repayment of the principal and interest of your loan is temporarily delayed.  You are still responsible for paying the interest that accumulates during the deferment period, but your payment is not due during the deferment period. If you don’t pay the interest on your loan during deferment, it may be capitalized (added to your principal balance), and the amount you pay in the future will be even higher.                  



Enrolled and prospective students (and for students who are no longer enrolled in the program - exit counseling)

Student loan entrance and exit counseling

[including a discussion on debt management strategies and tax benefits (general description), and stressing the importance of developing a budget based on the student's minimum salary requirements]

Federal student loans are government-backed, or guaranteed. They are low-cost, fixed-rate loans that may be subsidized (based on need) or unsubsidized (not based on need). Subsidized loans begin to accrue (accumulate) interest when repayment begins (six months after you leave school or your attendance drops below half-time), while unsubsidized loans begin to accrue interest as soon as the loan is fully disbursed. Award amounts are based on grade year classifications and vary each year.


Code of Conduct

(if school participates in Federal student loan programs or has a preferred lender arrangement for private education loans)

Direct Loan Model Disclosure Form (PDF)

Preferred Lender Arrangements report

Attached spreadsheet in PDF form?

Preferred Lender list

Private education loan disclosures

Lender assistance provided in loan counseling, financial literacy, and debt management materials

Refund policies

In preparation for issuing the Financial Aid refunds on the first day of class, the Student Accounts Office begins posting refunds to student accounts 10 days before classes start.Students receiving refunds must understand that they may need to use their financial aid refund to pay any additional charges incurred on their student account.

Return of Title IV funds and the prescribed distribution order of returning Title IV funds including a statement that explains there are examples of the R2T4 policy available

Students will need to establish an E-refund profile on the E-bill site to receive any excess funds from loans, overpayments, scholarships and grant monies. Set up your E-refund account today to avoid future delays due to paper check processing.

Information regarding the availability of Title IV funds for study abroad

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UNC Wilmington | 601 S. College Road, Wilmington NC 28403 | 910.962.3000 | About this Site | Copyright Notice | Feedback | Page maintained by:  L. Faison [ faisonl AT uncw DOT edu ]