Frequently Asked Questions

These are questions that are commonly asked of UNLV Financial Aid & Scholarships by students and/or parents. You are also strongly encouraged to read the Student Financial Assistance Guide.

Applying for Aid

1. How do I apply for financial aid?

2. What is a priority deadline?

3. Is there anything I can do if I miss the priority deadline?

4. What is a Student Aid Report (SAR) and do I need to send it back?

5. How can I be considered independent?

6. Can I appeal my dependency status?

7. What is UNLV's school code and where do I enter it?

8. I made a mistake on my Free Application for Federal Student Aid (FAFSA), how do I fix it?

9. I received a letter from UNLV indicating my FAFSA was rejected. Why?

10. How much does it cost to attend UNLV?

11. How do I apply for Summer financial aid?

Verification

1. What is the Verification process and why must I complete it?

2. My Student Aid Report (SAR) states that I am selected for verification, what do I need to do?

3. Do I have to complete verification?

4. How long will the verification process take?

Awarding

1. What is an overaward?

2. Do I need to activate my aid if my grants show as accepted?

3. Why is my aid different this year than last year?

4. Can I have more aid?

5. I do not want to receive all of the aid I originally accepted, what should I do?

6. How is financial need determined?

7. Can I adjust my budget?

8. What is the maximum income limit for financial aid?

9. When will I get an award notification letter?

10. Who is eligible for aid?

11. For what aid are international students eligible?

12. Why is the aid UNLV offered different than aid I was offered at other schools?

13. I am going to transfer to/from UNLV, what do I need to do?

14. How many credit hours do I need to receive my full grant amounts?

15. My sibling attends another school, why is my aid different?

16. Why has my aid been cancelled and what should I do?

Scholarships

1. When will I know if I am getting a scholarship?

2. How do I apply for scholarships?

3. If I did not get a scholarship this year, what should I do?

4. How many credit hours do I need to receive my scholarships?

5. Is my scholarship renewable?

6. What do I do if I get a private scholarship that is not awarded from UNLV?

Loans

1. What is the difference between Direct Stafford subsidized and unsubsidized loans?

2. Why do I need to complete Entrance Loan Counseling?

3. Why do I need to complete Exit Loan Counseling?

4. Why hasn't my Direct Stafford loan (subsidized or unsubsidized) disbursed?

5. Why hasn't my Perkins loan disbursed?

6. Why hasn't my parent (PLUS) loan disbursed?

7. If my parent (PLUS) loan is denied, what can I do?

8. If the aid I am getting is not enough, are there other options?

9. How do I receive my Alternative Loan funds?

10. How can I accept my Direct Stafford loans?

11. How do I increase/reduce my Direct Stafford loans?

12. Why was I offered this amount in a Direct Stafford loan?

13. I'm trying to complete Entrance Counseling, but I don't have a PIN. What do I do?

14. I can't find UNLV on the list of schools for Entrance Counseling. What do I do?

Disbursements

1. How/why do I get a refund check?

2. How much will my refund check be?

3. When will I receive my refund check?

4. How do I know if/when all of my aid is disbursed?

5. Why hasn't my financial aid/scholarship disbursed?

6. What happens if I drop a class during the add/drop period and I've already received a refund check?

7. What will happen to my aid if I drop a class after the add/drop period?

8. What will happen if I withdraw from UNLV?

9. If I am receiving financial aid, why did I receive a bill?

10. I tried to register and it says I have a "Financial Hold." What is that?

11. I am taking classes at UNLV and CCSN. Can I get financial aid to pay at both places?

Student Employment

1. How do I find a job?

2. Am I federal work-study (FWS) eligible?

3. Is it easy to find a job on campus?

4. Can I keep my FWS job next year?

5. How do I apply for FWS?

6. How many hours am I permitted to work as a student employee?

Satisfactory Academic Progress

1. What is Satisfactory Academic Progress (SAP)?

2. How do I appeal my SAP status?

3. How long does it take to process a SAP appeal?

4. What are the deadlines for submitting a SAP appeal? How can I find out the results of my SAP appeal?

Special Circumstances/Change in Circumstances

1. What can I do if my financial situation changes after I apply for aid?

2. My parents have divorced since I filed my FAFSA, what can I do?

3. What if I have other special circumstances?

4. How long does the Change of Income process take?

5. How do I apply for an Individual Circumstances Appeal?

Emergency Loans

1. Can I apply for an emergency loan?

2. My emergency loan is due, can I get an extension?

Study Abroad

1. Is additional aid available if I study abroad?

2. What steps do I need to take for my aid to disburse while I study abroad?

3. I leave for my study abroad program before the semester begins, can I get my aid earlier?

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How do I apply for financial aid?
To apply for federal, state, and institutional financial aid, you must complete the Free Application for Federal Student Aid (FAFSA). This form can be completed online by going to the UNLV Financial Aid & Scholarships home page and looking under Applications or by going directly to FAFSA on the Web

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What is a priority deadline?
The priority deadline is the deadline to complete the Free Application for Federal Student Aid (FAFSA) and UNLV Scholarship Application that would enable you to be considered for all available financial aid and scholarships. That date is February 1.

May 1 is the regular deadline that UNLV has for the FAFSA in order for it to be processed on time for the Fall semester. If you miss the priority and regular file dates, you can file FAFSA throughout the academic year to have your eligibility determined for some types of assistance. However, to have your aid ready for the payment deadlines, UNLV recommends you submit your FAFSA by May 1 for Fall and October 1 for Spring.

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Is there anything I can do if I miss the priority deadline?
You should still apply as soon as possible with the understanding that some programs have limited funds and are awarded on a first come, first serve basis to qualified students.

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What is a Student Aid Report (SAR) and do I need to send it back?
The Student Aid Report (SAR) is a report of the information you provided on the Free Application for Federal Student Aid (FAFSA). You should review this information carefully for accuracy and any special messages from the Department of Education. If you find incorrect information or you originally used estimated information and need to report actual figures, make your changes online at FAFSA on the Web

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How can I be considered independent?
To be considered an independent student when completing the Free Application for Federal Student Aid (FAFSA) you must meet one of the following criteria:

• be married at the time you are filing
• have a child or other legal dependents for whom you, personally, provide more than 50% of the support for that child or legal dependent and be able to document that support
• be an orphan or ward of the court
• be working on a master's, doctorate, or other professional program
• be 24 years old or older
• be a Veteran of the US Armed Forces

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Can I appeal my dependency status?
Financial Aid & Scholarships has a Dependency Appeal Process for students who have extenuating circumstances regarding the relationship with their parents. Conditions that do not warrant a Dependency Appeal are:

• if parents refuse to contribute to the student's education
• if parents are unwilling to provide information on the application or for verification
• if parents do not claim the student as a dependent for income tax purposes
• student demonstrates total self-sufficiency

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What is UNLV's school code and where do I enter it?
UNLV's school code is 002569. This code must be entered in Step Six of the Free Application for Federal Student Aid (FAFSA).

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I made a mistake on my Free Application for Federal Student Aid (FAFSA), how do I fix it?
If you find incorrect information on your Free Application for Federal Student Aid (FAFSA) or you originally used estimated information and need to report actual figures, changes can be made online at FAFSA on the Web by using your PIN. If the information is found to be incorrect after you have been awarded, you will need to contact our office for further instructions.

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I received a letter from UNLV indicating my FAFSA was rejected. Why?
If you have received a letter from UNLV Financial Aid & Scholarships indicating that your FAFSA was rejected you should examine the Student Aid Report (SAR) for further instructions or call 1-800-4FEDAID (1-800-433-3243).

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How much does it cost to attend UNLV?
For up-to-date information on tuition and fees visit the UNLV Bursar's site.

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How do I apply for Summer financial aid?
Students may apply for summer financial aid if they have a current FAFSA on file for the academic year. The Summer Term Financial Aid Application is available online in mid to late March or in the Summer Term catalog. You will need to submit the completed application to the financial aid office to be considered for summer financial aid.

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What is the Verification process and why must I complete it?
Verification is the process is a school follows to confirm the accuracy of the information reported by the student on the Free Application for Federal Student Aid (FAFSA). Application is compared to documents provided by the student at the school's request which include tax and income documents as well as other verification documents that attest to the accuracy of the data provided. Financial Aid & Scholarships will make a correction to the FAFSA information only if an inaccuracy or inconsistent information is found.

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My Student Aid Report (SAR) states that I am selected for verification, what do I need to do?
The Central Processing System (CPS) selects students for verification using pre-set criteria. However, UNLV participates in the Quality Assurance Program, which allows our university to set its own verification parameters. This means that your Student Aid Report (SAR) may state that you have been selected to complete the verification process, but UNLV may not select you to complete institutional verification. In turn, your Student Aid Report (SAR) may not state that you are selected for verification, but UNLV may elect to verify your application. UNLV will notify you by mail if your application is selected for verification by Financial Aid & Scholarships after we receive the results of your Free Application for Federal Student Aid (FAFSA).

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Do I have to complete verification?
If you have been selected for verification, you should complete and return all required documents. Financial Aid & Scholarships cannot determine your eligibility until the verification material(s) are received and processed. Please bear in mind that certain funds are limited so time is of the essence.

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How long will the verification process take?
The total processing time of verification from the time all verification documents are received to awarding of aid is typically 3-4 weeks.

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What is an overaward?
An overaward occurs when a student's need based financial aid exceeds his or her calculated financial need (as determined by the student's Cost of Attendance (COA) and the Expected Family Contribution (EFC) generated as a result of completing the FAFSA) or if all financial aid exceeds the student's COA.

Changes in the following areas can cause an overaward situation: housing plans, enrollment status, FAFSA information, residency classification, student type (undergraduate, graduate, non-degree), or receipt of additional financial aid awards or resources. The overaward will need to be corrected by adjusting the Cost of Attendance or reducing existing aid, or both.

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Do I need to activate my aid if my grants show as accepted?
Yes. By activating your award online, you agree to provide prompt, written notification of any changes in your information or status to UNLV Financial Aid & Scholarships. These changes include, but are not limited to, planned enrollment, residency, semester credit load, other sources of aid, and federal income tax information. In addition, by activating your award you are confirming that you have read the UNLV Student Financial Assistance Guidebook. You also understand that changes to your enrollment, residency, housing, satisfactory academic progress standing, and other aid that you may be receiving may impact your eligibility for specific types of assistance and may impact when your assistance becomes available for payment of your tuition, fees, and other university related expenses. By activating your award, you are also certifying that you are not receiving financial aid from any other post-secondary institution during your UNLV periods of enrollment.

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Why is my aid different this year than last year?
Each year students are required to complete the Free Application for Federal Student Aid (FAFSA). The FAFSA reflects the prior year's tax information. As you or your parent's income and asset information changes from year to year, your financial aid eligibility may change. In addition to changes in your FAFSA information, your aid can be affected by changes in funding received by UNLV at the federal, state or university levels. Each year the federal government reviews and modifies the formula used to calculate a family's financial strength that is reflected in the Expected Family Contribution (EFC).

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Can I have more aid?
Financial Aid & Scholarships will process your FAFSA and award you the maximum amount of aid you are eligible to receive. You may contact our office if you have any questions regarding your eligibility for specific programs such as work study. If you meet the February 1st priority deadline for filing your FAFSA and UNLV scholarship application, you may receive a more attractive award package than if you apply later.

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I do not want to receive all of the aid I originally accepted, what should I do?
You may contact Financial Aid & Scholarships in writing indicating how you want your award to be adjusted. You should include your printed name, student ID Number, and signature. You may fax your letter to us at 702-895-1353. Also, you may visit our office on the second floor of the Reynolds Student Services Complex (SSC).

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How is financial need determined?
A student's financial need is determined by using the Expected Family Contribution (EFC) derived from the Free Application for Federal Student Aid (FAFSA). The EFC takes into account the number of people in a student's household, the number of people in college, the state the student and/or parent resides in, the age of students and/or parents, as well as the student's and/or parents' income and assets. The Cost of Attendance (COA) is determined by UNLV Financial Aid & Scholarships in conjunction with the Board of Regents.

You may access the UNLV COA Calculator by selecting Cost-Tuition from the Information column of the Financial Aid page of the UNLV website. There you will find a link to the Cost of Attendance (COA) Calculator. Once you have determined your COA, you may subtract your Expected Family Contribution (EFC) to determine your financial need.

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Can I adjust my budget?
A student's budget or Cost of Attendance (COA) consists of standard costs for tuition and fees, room and board, personal and transportation expenses, and books. If a student spends more in one particular area, than the standard amount allowed for in the COA, it may be possible to increase that student's budget. You may visit our office during walk-in counseling hours from 12:00-2:00 PM Monday through Thursday for a meeting with a financial aid counselor regarding your particular expenses. Typically a budget is not increased by more than $1500 per semester. Remember that increasing a student's budget does not guarantee additional financial aid.

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What is the maximum income limit for financial aid?
UNLV Financial Aid & Scholarships uses the results of the Free Application for Federal Student Aid (FAFSA) to determine a student's eligibility for need-based federal and institutional financial aid. Although there is no maximum income limit for financial aid, students with a lower Expected Family Contribution (EFC) are typically eligible for more financial aid resources than students whose EFC is higher. There are many factors besides income that determine EFC, such as the student's household size, number of people in household attending college, and asset information.

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When will I get an award notification letter?
You can anticipate receiving an award notification letter approximately 6 to 8 weeks from the date you filed your FAFSA. Initial award notifications for UNLV applicants and students are sent in the April prior to the start of the academic year in Fall. You may also view your award information online though My Aid which is located on the right-hand side of the Student Financial Services website. All eligible applicants who complete the FAFSA will receive an award offer.

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Who is eligible for aid?
To receive Title IV federal aid (Federal Pell Grant, Federal Direct Student Loan, Federal Work Study, Federal Supplemental Educational Opportunity Grant, or Federal Perkins Loan) and state/institutional grant aid a student must meet the following requirements: be a U.S. citizen, a national, or permanent resident of the U.S., or be in the U.S. for other than a temporary purpose; comply with U.S. Selective Service registration requirements; be admitted for enrollment in a degree program (teacher certification should be discussed with a financial aid administrator); be making Satisfactory Academic Progress as defined by UNLV Financial Aid & Scholarships; not be in default on a Federal Loan; not owe any repayment on any Title IV funds; and have a valid Social Security Number. Some types of financial aid as well as most federal and state/institutional grants are not available if you have already received a bachelor's degree.

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For what aid are international students eligible?
The Free Application for Federal Student Aid (FAFSA) website discusses international student financial aid eligibility. It states that only citizens and eligible non-citizens may receive financial aid. An eligible non-citizen is someone who is a US permanent resident and has an Alien Registration Receipt Card (I-551), a conditional permanent resident (I-551C), or an other eligible non-citizen with an Arrival-Departure Record (I-94) stamped with refugee, asylum granted, indefinite parole, humanitarian parole, or Cuban-Haitian Entrant. If you have only an F1, F2, J1, or J2 student or work visa you are not eligible for federal student aid but you would still be eligible for UNLV Scholarships if you have completed the online UNLV Scholarship application by the February 1st deadline. International students may also be eligible to receive private Alternative Loans from banks. Usually this requires a co-signer that is a US Citizen or eligible non-citizen as defined above.

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Why is the aid UNLV offered different than aid I was offered at other schools?
Financial aid offers can be different from one institution to another for many reasons. Some types of financial aid are awarded based on criteria established by the institution, such as institutional financial aid. Funding for some federal programs is also limited. Institutions receive an allocation, or set amount, for each of the campus based aid programs (Federal Work Study, Federal Perkins Loan, and Federal Supplemental Educational Opportunity Grant) from the Department of Education. Since schools receive different allocation amounts, institutions will have different rules and methods for awarding their allocation of limited funding. Institutions also have different Costs of Attendance (COA) which can change a student's eligibility for need based financial aid funding and can affect the total amount of financial aid offered from one institution to the next.

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I am going to transfer to/from UNLV, what do I need to do?
If you wish to transfer to UNLV, you need to add UNLV's school code of 002569 to your Free Application for Federal Student Aid (FAFSA). You can do this by going online to FAFSA on the Web and make a correction to your processed FAFSA. If you know your Data Release Number (DRN), which is located at the top of your Student Aid Report (SAR), you may call the Central Processing Systems (CPS) at 1-800-433-3243 and add our school code over the phone. We will not be able to process the results of your FAFSA until you have applied for admissions to UNLV. Once your admission's application is processed, we will begin the process of determining your financial aid eligibility. We do not take into consideration the aid that you received at your previous institution in this process as each school is required to process their aid independently. If you are transferring from UNLV to another university you should contact our office in writing to make us aware that you will not be attending for the remaining semester(s) in the academic year. Also, it would be advisable to become familiar with the financial aid process at the institution that you will be attending.

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How many credit hours do I need to receive my full grant amounts?
In order to receive the full amount of your Pell Grant you must be enrolled in at least twelve credit hours. The Pell Grant will be prorated for less than full-time enrollment. If you will be enrolled less than half-time, you will not be eligible for Federal Direct Loans or state/institutional grants but may still be able to receive a less than half-time Pell award.

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My sibling attends another school, why is my aid different?
It is possible that your sibling may be eligible for different forms of financial aid than you are if he or she is attending another university. Your sibling may have a different Expected Family Contribution (EFC) than you. This is because your EFC is comprised of your parental contribution and your contribution. You and your sibling should have the same parental contribution, but your student contribution will differ according to specific income and assets you may have or have received. Your aid may also be different because schools distribute the funds they are given by the Department of Education differently. Each school has a different allocation of Federal Perkins Loan, Federal Supplemental Educational Opportunity Grant (FSEOG) and Federal Work-Study Funds. Given the nature of these allocations, a student may receive an award at one school and not at another. Also, schools have various institutional funds that are only available at that particular university, such as the Bob Davis Scholarship and the UNLV Access Grant. These funds are limited and are distributed by university policies.

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Why has my aid been cancelled and what should I do?
The most common situation is because you did not activate your aid within the appropriate time indicated in the award notification letter that was mailed to you. In order to reinstate your aid, you must fax us a letter with your printed name, social security number or student ID number, and signature indicating that you would like your aid reinstated. You may also visit Financial Aid & Scholarships on the second floor of the Reynolds Student Services Complex and request reinstatement in person. Reinstated aid may be less than the originally quoted aid if you have been awarded campus-based funds such as FSEOG, Perkins loan, Access Grant, Nevada Grant-in-Aid, and Bob Davis Scholarship.
Once your aid is reinstated, you will need to activate it online at the UNLV Financial Aid & Scholarships home page. Please keep in mind that all financial aid offers are contingent on being fully admitted to the university.

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When will I know if I am getting a scholarship?
UNLV Financial Aid & Scholarships begins mailing out Scholarship Award Letters to students selected for general scholarships around the first week of April. Scholarships awarded by the academic departments may take longer in which to receive notification.

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How do I apply for scholarships?
The UNLV Scholarship Application is available online in mid-October for the following academic year. You can access the online Scholarship application from the UNLV Financial Aid & Scholarships home page. The priority filing date is February 1 of every year. Be aware that your application remains on file for the entire year. If additional funds become available, you will be considered automatically. Scholarships are often awarded to students who earn above average grades, and in the case of entering freshman, ACT/SAT scores and high school class rank. Additional criteria such as financial need, extracurricular activities, and community service may also be considered. No additional application is necessary, although to be considered for need-based scholarships you should also file the Free Application for Federal Student Aid (FAFSA).

You are also strongly encouraged to research private scholarship opportunities. The link to the UNLV Recommended Scholarship Search Sites provides various websites to pursue this research.

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If I did not get a scholarship this year, what should I do?
It is highly advisable to apply for scholarships annually by the priority deadline to assure that you are considered for all possible awards. Each academic year includes a new pool of applicants and a new cycle of awards. Having not received a scholarship in the current academic year does not keep you from being considered for one in the next academic year. Continue to complete a full-time course load each semester, maintain the best possible GPA, and apply for scholarships annually. Be aware that your UNLV Scholarship Application remains on file for the entire year. If additional funds become available, you will be considered automatically.

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How many credit hours do I need to receive my scholarships?
For most scholarships at UNLV, it is required that you maintain enrollment in at least 12 credits (full-time) per semester to assure that the scholarship credits your account. Many outside agency scholarships require a full-time course load per semester as well. Your UNLV Scholarships Award Letter should specify the requirements.

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Is my scholarship renewable?
Unless you receive a letter that specifically states that your award is renewable, your award is NOT renewable. If you do have a renewable scholarship, the letter you receive should also specify the GPA and credit requirements that you must meet for the award to be renewed.

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What do I do if I get a private scholarship that is not awarded from UNLV?
Some funds are awarded by organizations and agencies outside of the university. Each organization establishes its own eligibility criteria and application procedures. Information on these awards can be obtained directly from the organization making the award. If you are awarded a private agency scholarship, you must inform UNLV Financial Aid & Scholarships as soon as you are notified. If you are receiving a scholarship from outside the university, contact the agency regarding when and how you will receive the funds. Checks should be made payable to the "Board of Regents" and mailed to:

UNLV Scholarships Office
Attention: Toni Arcadipane
4505 Maryland Parkway, Box 452016
Las Vegas, NV 89154-2016

Financial Aid & Scholarships must receive your private agency scholarship check by the dates noted below to insure time to process your money and credit your tuition and fee account before the semester fees are due:

Fall Semester:

July 11

Spring Semester:

November 14

Summer Semester:

April 1

UNLV is unable to credit you in advance if your agency funds do not arrive in time for fee payment even if we have received verbal or written acknowledgements.

Scholarships for non-UNLV agencies are disbursed according to the donor's request. Unless otherwise stated by the agency, your award will be divided evenly over the Fall and Spring semesters. If the donor makes the check payable to UNLV (the preferred option), the funds will be applied directly to your university bill prepared by the Bursar's Office. If the donor makes the check co-payable, you will be responsible for signing the check before the Bursar can disburse funds to your tuition and fees. Please stay in contact with the agency in question for instructions.

Each applicant for federal student aid has a calculated financial need and a total cost of attendance. Federal aid, including Federal Direct Loans, must not exceed these limits. If an outside scholarship arrives after federal, state and university aid has been awarded, it may be necessary to reduce other aid, especially loans.

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What is the difference between Direct Stafford subsidized and unsubsidized loans?
The Federal Direct Subsidized Stafford Loan is based on financial need. You will not be charged interest while you are in school at least half-time. The Federal Direct Unsubsidized Stafford Loan is not need based. It is available to students regardless of financial need. You will be charged interest from the time the loan is disbursed until it is paid in full. You will have the option of allowing the interest to accrue until you enter repayment or making a small interest payment quarterly to the Direct Loan Servicer. The amount of your subsidized and/or unsubsidized Stafford loan will depend on your grade level and be limited to your Cost of Attendance (COA).

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Why do I need to complete Entrance Loan Counseling?
You are required to complete debt management counseling if you are a first time borrower of federal student loans at UNLV. You must complete this online loan counseling exercise to enhance your understanding of the individual loan programs as well as your rights and responsibilities. The federal Direct Loan web site provides important information and answers to your questions regarding the debt you will incur by accepting the loan. Your loans will not disburse until you have completed Entrance Counseling. You must only complete Entrance Counseling once at every institution you attend.

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Why do I need to complete Exit Loan Counseling?
UNLV is required to provide student loan borrowers with additional loan counseling before they graduate from school. Upon graduation, leaving school, or dropping below half-time attendance, you will be required to complete Exit Loan Counseling to review your rights and responsibilities and to update any necessary information with Direct Loans. Should you be returning to UNLV, in the next semester, you can fill out an Exemption Form located online.

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Why hasn't my Direct Stafford loan (subsidized or unsubsidized) disbursed?
Financial assistance will not apply to your account if you have been academically dropped from your classes. In addition, your aid will not pay to your fee account if you are placed on Satisfactory Academic Progress suspension. Your aid may be delayed because of changes in enrollment status, residency, not fulfilling all eligibility requirements, and changes in the status of your student financial assistance application.

Additionally, in order for your loan(s) to disburse, you must have done the following:

• Acceptance of your loan through the online activation process.
• Registration for the minimum number of credits that you indicated when activating you award.
• Entrance Loan Counseling online if you are a first-time borrower.
• Master Promissory Note (MPN) online, if you are a first-time borrower.

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Why hasn't my Perkins loan disbursed?
In order for your Perkins loan to disburse, you must complete the Perkins promissory note online at ECSI for each semester that it is awarded to you. You must be registered for the minimum number of credits that you indicated when activating your award, maintain satisfactory academic progress, and have a final admitted status on your university admissions application.

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Why hasn't my parent (PLUS) loan disbursed?
The most common reason preventing the parent loan from disbursing is that we have not received your Parent (PLUS) Loan Origination Worksheet and/or the PLUS electronic Master Promissory Note. PLUS loan funds are contingent on a parent passing a credit check which is performed by the Direct Loan servicing center. Please note that the Parent PLUS Master Promissory Note may note be completed prior to loan approval.

Also, if the information on the Parent (PLUS) Loan Origination Worksheet and the PLUS electronic Master Promissory Note are not exact, the loan will not pay.

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If my parent (PLUS) loan is denied, what can I do?
If your parents do not pass a credit check, they might still be able to receive the loan if someone who is able to pass the credit check, such as a relative or friend, agrees to endorse the loan. There are other provisions made for parents who cannot qualify.

If your parents are unable to get a co-endorser for the loan, you may be eligible for additional Unsubsidized Direct Loans in your name. Contact Financial Aid & Scholarships for more information.

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If the aid I am getting is not enough, are there other options?
Because federal and state funding sources are limited, Financial Aid & Scholarships sometimes cannot offer you 100% of your estimated cost of attendance. For those students who find themselves in this situation, they may consider additional sources by contacting a bank of their choice for an alternative educational (non-Stafford) loan application. These funds are an alternative or supplemental to your original financial aid package. The alternative loans are not federal loans, and are serviced by the private loan sector such as banks. Non-admitted students and other alternatively enrolled students (such as those with Satisfactory Academic Progress issues) should contact their lender for eligibility in a selected loan program.

Aside from the personal loans, the UNLV Bursar's Office website, has more information that you may find useful on paying your tuition which includes information on the Deferred Payment Plans.

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How do I receive my Alternative Loan funds?
Alternative Loan funds are sent to our office via check. Once we have verified that you are enrolled for the appropriate number of hours and are eligible for the funds, we forward the check to the Bursar's Office. Most checks are made co-payable to the student and UNLV which means you would be required to sign the check at the Cashier's Office. Alternative Loan funds are applied to your student account and if this creates a credit balance, you will receive a refund check from UNLV.

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How can I accept my Direct Stafford loans?
You may accept your loans during your initial online award activation. If you have completed the award activation and you still need to accept, reduce or decline your loans, please visit our office to complete a Revision Request Form or fax us a notice with your printed name, student ID number, and signature.

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How do I increase/reduce my Direct Stafford loans?
If you have not yet activated your loans online through the award activation process, you may reduce them during the activation process. If you have already completed this process and need a loan adjustment (increase or decrease), you will need to visit our office to complete a Revision Request Form or fax us a notice with your printed name, Social Security number, and signature.

Please keep in mind that loans may not always be able to be increased. Contact UNLV Student Financial Services for more information.

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Why was I offered this amount in a Direct Stafford loan?
Your loan amount is based on your accumulated credits, amount of other aid awarded, the total Cost of Attendance (COA), and the type of degree you pursue. You cannot increase these amounts even if you are declining a parent loan (PLUS). The additional unsubsidized loan amounts may be available to independent or graduate/law/dental students or if the parent loan (PLUS) is denied due to an adverse credit check.

Your Stafford loan is based on accumulated credits:
00-29 credits	=	$2625	a year
30-59 credits	=	$3500	a year
60+ credits	=	$5500	a year
Graduate students	=	$8500	a year
If you are an independent student, you may borrow an additional unsubsidized loan:
00-59 hours	=	$4000	a year
60+	=	$5000	a year
Graduate students	=	$10,000	a year

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I'm trying to complete Entrance Counseling, but I don't have a PIN. What do I do?
After you have read though the Entrance Counseling website you must complete the online quiz. There are two options for entering your information. You may login with a PIN or you may login without a PIN. If you choose to login without a PIN, you will be prompted to enter your name, social security number, and birthdate.

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I can't find UNLV on the list of schools for Entrance Counseling. What do I do?
In order to find UNLV in the list of schools you want to receive your Entrance Loan Counseling, type "Las Vegas" in the School name box. On the list of schools, UNLV will be at the top of the list. Follow the instructions to finish Entrance Counseling.

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How/why do I get a refund check?
A refund check is sent to a student when the student's financial aid is greater than his or her charges for a particular semester. For example, if a student has a Pell grant for $1250 per semester and a subsidized loan for $2750 per semester the student's total aid would be $4000. If that student's charges total $1500 for that semester, the student would receive a refund check of approximately $2500 (minus Direct Loan origination fees). A student's financial aid pays for all university charges first, including room and meal plan costs. Refund checks can be used to purchase books, pay for off-campus housing and meals, provide necessary transportation, and pay for personal expenses.

Refund checks will be mailed to the address you have on file with the university which can be viewed at the Online Registration page under "personal information".

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How much will my refund check be?
To determine the amount of your refund check, you should compare your university charges with your anticipated financial aid. In most cases, this is evident on your university account statement. You can access your account statement at the Online Registration site. You can also use your online award letter to review your financial aid. The online award letter can be accessed at the My Aid - Login part of the Financial Aid & Scholarships website under Award Details.

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When will I receive my refund check?
Refund checks are mailed to students the Friday and Saturday before the start of each semester (or Summer Session). The checks will be mailed to the address listed on the Online Registration site. To receive a refund check at that time, students must be registered in the appropriate number of credit hours two weeks prior to the semester opening. Students must also have completed all necessary paperwork or online procedures at this time as well.

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How do I know if/when all of my aid is disbursed?
You can check your status online at the Online Registration site or under your Award Details at the Student Financial Services website. In the Award Details page, the term "disbursed" will appear next to each award that has been paid out to your UNLV fee account. Please note that it may take 24 hours for the disbursed financial aid to be reflected on your UNLV fee account.

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Why hasn't my financial aid/scholarship disbursed?
If your aid has not disbursed on time (such as the week before the start of the semester or Summer session you are attending) the main things to check are:

• your admissions status. Non-admitted/non-degree seeking students cannot receive federal, state, and institutional aid and most scholarships.
• your enrollment status. If you are in a different number of credits than what you stated in your award activation your aid will not pay. Please compare your award details online with your current number of enrolled credits. If you need to register for more credits please do so. If you cannot, then you will need to contact Financial Aid & Scholarships to report a change in your enrollment.
• your residency status. You must make sure that the residency status we awarded you with, Nevada, Western Undergraduate Exchange (WUE), Good Neighbor, or Out-of-State, is correct. If your award details shows a different residency status you will need to contact Financial Aid & Scholarships.

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What happens if I drop a class during the add/drop period and I've already received a refund check?
If your aid has disbursed and a refund check is pending, your refund check will be pulled and your aid may be reduced if your status changed to below the minimum enrollment status you reported during award activation.

If you received a refund check at the beginning of the semester and your enrollment status as of the end of the add/drop period has now changed, you will be considered deficient credits per the Satisfactory Academic Progress (SAP) policy. This policy states that if you receive financial aid for the academic year, which includes both the fall and spring semesters, you must complete the minimum number of credits for which your aid was paid.

Undergraduate Credits Required

Full-time (12+ credits per semester) = 24 per year

Three-quarter-time (9-11 credits per semester) = 18 per year

Half-time (6-8 credits per semester) = 12 per year

Graduate Credits Required

Full-time (9+ credits per semester) = 18 per year

Half-time (5-8 credits per semester) = 10 per year

If you receive a failing grade, incomplete, audit, or withdrawal from a class, these credits cannot be counted toward your credit requirements. Further, undergraduates are required to maintain a 2.00 cumulative UNLV GPA and graduate students are required to maintain a 3.00 cumulative UNLV GPA.

If you fail to meet the SAP standards during the fall or spring semester, you will be notified by letter of your SAP standing and of alternatives and requirements to meet standards by the end of the summer semester. You will be placed on financial aid probation and will have the summer term to raise your overall GPA and/or complete the required deficient credits. If you do not remove the deficiencies by the end of the summer term, you will be placed on financial aid suspension and will ineligible for any further assistance until the deficiencies are cleared. Please review the Satisfactory Academic Progress (SAP) policy for further details.

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What will happen to my aid if I drop a class after the add/drop period?
Dropping a class after the add/drop period will cause you to be deficient credits per the Satisfactory Academic Progress policy. This policy states that if you receive financial aid for the academic year, which includes both the fall and spring semesters, you must complete the minimum number of credits for which your aid was paid.

Undergraduate Credits Required

Full-time (12+ credits per semester) = 24 per year

Three-quarter-time (9-11 credits per semester) = 18 per year

Half-time (6-8 credits per semester) = 12 per year

Graduate Credits Required

Full-time (9+ credits per semester) = 18 per year

Half-time (5-8 credits per semester) = 10 per year

If you receive a failing grade, incomplete, audit, or withdraw from a class, these credits cannot be counted toward your credit requirement. Further, undergraduates are required to maintain a 2.00 cumulative UNLV GPA and graduate students are required to maintain a 3.00 cumulative UNLV GPA.

If you fail to meet the SAP standards during the fall or spring semester, you will be notified by letter of your SAP standing and of alternatives and requirements to meet standards by the end of the summer semester. You will be placed on financial aid probation and will have the summer term to raise your overall GPA and/or complete the required deficient credits. If you do not remove the deficiencies by the end of the summer term, you will be placed on financial aid suspension and will ineligible for any further assistance until the deficiencies are cleared. Please review the Satisfactory Academic Progress (SAP) policy for further details.

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What will happen if I withdraw from UNLV?
If you completely withdraw during any semester at UNLV, you will be subject to the Federal Return of Title IV Funds Policy as conducted by Financial Aid & Scholarships. Federal law requires the amount of student financial assistance you have earned up to the point of withdrawal be determined by a specific calculation. The amount of assistance you have earned is determined on a pro-rata basis. For example, if you completed 30% of the payment period or period of enrollment, you earned 30% of the assistance you were originally scheduled to receive. You are responsible for any assistance awarded to you for which you do not qualify or earn. You will be notified of the overpayment that you may have to repay in a timely manner. You will be ineligible for future federal and state financial assistance at UNLV or other institutions until you repay the amount, if any, that is due. For more details please refer to the Student Financial Assistance Guidebook.

Please realize that even if you repay the overpayment amount, you are subject to the Satisfactory Academic Progress (SAP) policy. This policy states that if you receive financial aid for the academic year, which includes both the fall and spring semesters, you must complete the minimum number of credits for which your aid was paid.

Undergraduate Credits Required

Full-time (12+ credits per semester) = 24 per year

Three-quarter-time (9-11 credits per semester) = 18 per year

Half-time (6-8 credits per semester) = 12 per year

Graduate Credits Required

Full-time (9+ credits per semester) = 18 per year

Half-time (5-8 credits per semester) = 10 per year

If you receive a failing grade, incomplete, audit, or withdraw from a class, these credits cannot be counted toward your credit requirement. Further, undergraduates are required to maintain a 2.00 cumulative UNLV GPA and graduate students are required to maintain a 3.00 cumulative UNLV GPA.

If you fail to meet the SAP standards during the fall or spring semester, you will be notified by letter of your SAP standing and of alternatives and requirements to meet standards by the end of the summer semester. You will be placed on financial aid probation and will have the summer term to raise your overall GPA and/or complete the required deficient credits. If you do not remove the deficiencies by the end of the summer term, you will be placed on financial aid suspension and will ineligible for any further assistance until the deficiencies are cleared.

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If I am receiving financial aid, why did I receive a bill?
All students, regardless of whether or not they are receiving financial aid and/or scholarships, are sent a billing notification from the UNLV Bursar's Office. It is your responsibility to know the amount of financial aid and/or scholarships that are paying towards your bill. Please be aware that your aid will pay the week before the start of the semester.

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I tried to register and it says I have a "Financial Hold." What is that?
A "Financial Hold" may be placed on your UNLV account if you owe money past the due date. If you have encountered this issue, you will need to call the Cashier's Office (702-895-3683) or visit their office which is located on the first floor of the Reynolds Student Services Complex to make payment arrangements.

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I am taking classes at UNLV and CCSN. Can I get financial aid to pay at both places?
Federal financial aid cannot be received at two different institutions concurrently. You must select only one school to be the school to administer your financial aid.

You can receive financial assistance based on combined UNLV enrollment and enrollment at other eligible institutions, such as the Community College of Southern Nevada (CCSN), University of Nevada, Reno (UNR), or Nevada State College (NSC) under certain conditions. During your semester of dual enrollment, you must be fully admitted and enrolled at least half-time but less than full-time at UNLV during the same semester. To investigate and activate this provision, you may initiate the Consortium Agreement process at UNLV Financial Aid & Scholarships. UNLV Student Enrollment Services must authorize and endorse your dual enrollment by confirming credits will transfer to UNLV. Proof of registration and payment from the visiting institution must also accompany the Consortium Agreement upon submission to Student Financial Services. Completed Consortium Agreements must be submitted by the last Friday of the month prior to the start of the semester for which you are planning to attend. For example, if your semester starts in August, you would need to submit the Consortium Agreement by the last Friday of July. Visit the Financial Aid & Scholarships to pick up the Consortium Agreement.

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How do I find a job?
Part-time student employment opportunities are available to view 24-hours a day online from Student Employment @ UNLV. The postings for on-campus and off-campus employers are available to view a few weeks before the opening of each semester until the close of that semester. The potential employer's contact information will be listed for each job posting. You will need to contact the employer directly to fill out an application and/or set up an interview.

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Am I federal work-study (FWS) eligible?
Students must file the Free Application for Federal Student Aid (FAFSA) to be considered for Federal Work Study (FWS) funds. You are encouraged to file the FAFSA by the priority deadline of February 1 for early consideration. The FAFSA should be on file with our office no later than May 1. A student must demonstrate financial need on the FAFSA to be eligible for FWS. If you are not initially awarded FWS you may contact our office to ask about FWS eligibility.

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Is it easy to find a job on campus?
Searching for a job at UNLV requires some persistence and initiative. You can use the Financial Aid & Scholarships Employment page to help in your search for employment. You will need to directly contact the employer listed to fill out an application or set up an interview.

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Can I keep my FWS job next year?
You can continue working the same Federal Work Study (FWS) job every year as long as your supervisor desires you to come back and you continue to demonstrate financial need when you complete your Free Application for Federal Student Aid (FAFSA).

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How do I apply for FWS?
To apply for Federal Work Study (FWS), complete the Free Application for Federal Student Aid (FAFSA) by the priority deadline of February 1 for early consideration and indicate on the FAFSA that you are interested in work opportunities. If you are eligible for FWS, you will be informed on your financial aid award notification. If you were not originally interested in work study, you may contact the Financial Aid & Scholarships office to request to be reconsidered for the FWS program.

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How many hours am I permitted to work as a student employee?
Federal Work Study awards are based on a 20 hour work week. When classes are in session it is recommended that a student employee not work in excess of 20 hours per week. When classes are not in session (due to final exam week, semester break, etc.), a student employee may work up to a maximum of 40 hours per week. Attention should be given to the student's academic workload and ability when developing the student's work schedule.

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What is Satisfactory Academic Progress (SAP)?
Maintaining Satisfactory Academic Progress (SAP) means you must fulfill certain minimum standards in regard to academic progress and performance. These minimum standards are demonstrated in three areas: grade point average (GPA), completion of academic year credits, and completion of the student's degree objective (Maximum Credits).

GPA: Undergraduates are required to maintain a 2.00 cumulative UNLV GPA. Graduate students are required to maintain a 3.00 cumulative UNLV GPA.

Minimum Credits: You must complete the minimum number of credits for which your aid was paid.

Undergraduate Credits Required

Full-time (12+ credits per semester) = 24 per year

Three-quarter-time (9-11 credits per semester) = 18 per year

Half-time (6-8 credits per semester) = 12 per year

Graduate Credits Required

Full-time (9+ credits per semester) = 18 per year

Half-time (5-8 credits per semester) = 10 per year

If you receive a failing grade, incomplete, audit, or withdraw from a class, these credits cannot be counted toward your credit requirements.

Maximum Credits: You are required by federal regulation to complete your degree within a reasonable timeframe and within a reasonable number of credits. Undergraduate students are allowed a maximum of 144 credits and graduate students are allowed 60 credits to complete their degree. Repeat courses are counted toward the maximum number of credits allowed to complete your degree. These maximums include all accepted transfer credits and all credits completed at UNLV.

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How do I appeal my SAP status?
If you fail to meet the SAP standards during the fall or spring semester, you will be notified by letter of your SAP standing and of alternatives and requirements to meet standards by the end of the summer semester. You will be placed on financial aid probation and will have the summer term to raise your overall GPA and/or complete the required deficient credits. If you do not remove the deficiencies by the end of the summer term, you will be placed on financial aid suspension and will be ineligible for any further assistance until the deficiencies are cleared.

If you have become ineligible to receive financial aid due to SAP, you may appeal your status. The SAP Requirements and Appeal form is available online. The complete appeal form and your required appeal letter must be submitted to our office for review by the SAP Appeal Committee. You will be notified in writing of the decision. You may also call or stop by our office for the results of your appeal.

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How long does it take to process a SAP appeal?
Generally, SAP appeals are reviewed by our committee within 7-10 business days and decisions are typically posted on Fridays after 2 PM. However, during peak periods (Fall and Spring opening) processing time may be slightly longer until after the semester starts. Due to the number of appeals that the Committee may need to review, it is advisable that you call or stop by our office for the results of your appeal.

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What are the deadlines for submitting a SAP appeal? How can I find out the results of my SAP appeal?
There are no deadlines for submitting the SAP appeal, but depending on when UNLV Financial Aid & Scholarships receives the appeal may depend on whether or not your aid pays in a timely manner.

If you have submitted your SAP appeal on a Monday, it will be reviewed the same week and a decision will be posted on your file by 2:00 PM Friday. If you have turned in your appeal Tuesday-Friday, it will be reviewed the following week and posted a week from Friday by 2:00 PM. You can call Financial Aid & Scholarships or stop by the office for the results. You will also be notified in writing of the decision.

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What can I do if my financial situation changes after I apply for aid?
If you (or your family) experience a change in your financial situation after you have completed the Free Application for Federal Student Aid (FAFSA), you should write UNLV Financial Aid & Scholarships (FAS) a letter indicating your circumstances, the amount of income you (and your parents if you are considered dependent) have earned year to date, and what you project to earn. If your (or your family's) income for the current tax year will be less than the income reported on the FAFSA, you may be eligible to complete an Individual Circumstances Appeal Form (ICAF). This form allows FAS to use an estimate of your current year income to re-evaluate and possibly adjust your aid eligibility.

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My parents have divorced since I filed my FAFSA, what can I do?
In cases of divorce, you should submit a letter indicating your circumstances to UNLV Financial Aid & Scholarships. You may be eligible to complete an Individual Circumstances Appeal Form (ICAF). This form, along with the documentation you will be asked to submit such as proof of divorce or separation, allows our office to re-evaluate your financial situation and possibly adjust your financial aid eligibility.

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What if I have other special circumstances?
Although many families endure strains on their income, only extenuating circumstances can be considered when evaluating a student's financial aid eligibility. For example, the amount that a student or parent pays monthly for a home or vehicle is already taken into consideration in the formula the FAFSA uses to determine eligibility. Although these will vary, extraordinarily high expenses cannot be taken into consideration for additional eligibility. Expenses such as having more than one child in college or having numerous people in your household are already included in the formula as well. Other expenses that cannot be considered are tuition paid for students in private primary or secondary schooling, unless the schooling is due to a child's disability. If you have other special circumstances, please contact our office with further assistance.

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How long does the Change of Income process take?
Generally, an Individual Circumstances Appeal takes four weeks to process. During times when our office is experiencing a high volume of requests (often during the Fall opening), the process may take as long as five to six weeks. Make sure you are attentive to any correspondence regarding additional documentation needed for your appeal.

Bear in mind that if you are pursuing an Individual Circumstances Appeal in the 6 weeks prior to Fall or Spring opening, your appeal may not be looked at until after the semester begins. It is highly advisable to accept the aid you are currently offered until your appeal can be processed.

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How do I apply for an Individual Circumstances Appeal?
To apply for a Circumstances Appeal please write our office a letter describing your special circumstances or come to UNLV Financial Aid & Scholarships to meet with a financial aid counselor during the 12-2 Monday -Thursday walk-in hours.

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Can I apply for an emergency loan?
The purpose of a university Emergency Loan is to provide temporary cash for educational expenses for a brief period of time until other resources become available. An emergency loan is normally paid back within 30 days depending on when you apply for it. A financial aid counselor can provide you with more details on the due date.

To be eligible to borrow an emergency loan, you must have a guaranteed source of repayment and meet all eligibility requirements.

A guaranteed source of repayment includes financial aid that has not been disbursed, employment, veteran's benefits, a graduate stipend, etc. The eligibility requirements include the following:

• you must not owe any money to the University, including deferred fees, returned checks or fines
• you must not have received a refund check in excess of $1000 within six weeks of the date of the application
• you must be formally admitted to UNLV
• you must have a GPA of 2.0 or higher
• you must be enrolled at least half-time (6 credits) at the time of disbursement
• you must have never defaulted on a previous UNLV Student Emergency or Short Term Loan

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My emergency loan is due, can I get an extension?
You may contact the Bursar's Office in the Reynolds Student Services Complex or call them at 702-895-3577 or stop by in person for assistance.

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Is additional aid available if I study abroad?
If the costs for your study abroad program are greater than the costs to enroll in a traditional UNLV program, Financial Aid & Scholarships can increase your budget with appropriate documentation. If you are not already receiving the maximum in your Federal Direct Student Loan, your loan amount could be increased. Also, if you are a dependent student, a parent could apply for a parent PLUS loan to cover the extra costs. An alternative loan through a private lender is another option. You also may want to research outside scholarships through UNLV Recommended Scholarship Search Sites.

In order for UNLV Financial Aid & Scholarships to increase your Cost of Attendance, you will need to submit a cost sheet for the program which you can get from International Programs.

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What steps do I need to take for my aid to disburse while I study abroad?
It is critical that you complete all requirements to receive your aid before you leave. These requirements may include activating your financial aid on the web, completing the online Entrance Loan Counseling, signing your online Master Promissory Note, and making sure that Student Enrollment Services (SES) has your correct address.

Please remember that your aid will be disbursed to you or, in some cases, to a parent in the case of a parent PLUS loan. If you are receiving Alternative Loans, you may want to arrange for a Power of Attorney designee to sign your check as most Alternative Loans are made co-payable. Please submit a copy of your Power of Attorney document to Financial Aid & Scholarships and the International Programs office.

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I leave for my study abroad program before the semester begins, can I get my aid earlier?
Your financial aid will not be released until the traditional UNLV begins. Please be prepared to have other funds available upfront for any immediate expenses.

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