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Financial Aid for Current Undergraduate Students

Did you know that approximately 70% of all UNC students receive some form of financial aid assistance? Understanding the financial aid process is an important step toward fulfilling your educational goals. Take the first step to receiving financial aid by filing your FAFSA. Learn more about all your options and completing your next steps by reviewing the below information.

Important Dates

  • October 1 – FAFSA becomes available 
  • November 1 – UNC Scholarship Application available to complete through your Ursa account
  • March 1 –  FAFSA Deadline: File by the March 1 deadline to have full consideration for all types of aid. Students whose applications are received by the processor after March 1 missed out on state grants, work study and Perkins Loans last year due to a shortage of funds.
  • June 15 – Accept or decline financial aid award amounts through Ursa. Remember, you will only have 20 days to make a decision or all aid may be forfeited.
  • September 4 – Fall tuition payments are due.
  • File Your FAFSA

    Your Free Application for Federal Student Aid (FAFSA) will have to be updated and resubmitted for the upcoming academic year to receive aid. Tax information and any dependent/independent status changes will be needed to determine the maximum amount of aid you are eligible for. Remember the FAFSA is a free application. Stay away from sites requesting payment for completing the application.

    To complete the FAFSA:


    Have your Federal Student Aid ID (FSA ID) ready


    Use UNC’s School Code 001349


    IRS Data Retrieval Tool is now available and recommended for 2018-19.

    Expedite your application by using the IRS Data Retrieval Option


    Apply at fafsa.gov

    Submit the FAFSA by the March 1 priority deadline to maximize your amount of aid you receive. You should use your 2016 tax information for the 2018-19 academic year. If you you have not filed your taxes for 2016, you should contact the office of financial aid.

    You will receive a conformation email from the U.S. Department of Education with your student aid report. Make sure to verify that all of your information is correct. If you need to make corrections, you may do this online at www.fafsa.gov. Be sure to check your spam folder for your FAFSA conformation if you did not receive it within a week.

    Students may submit any unusual or extenuating circumstances not reflected on the FAFSA that may affect aid eligibility. Contact a Financial Aid Counselor at the Office of Financial Aid for information and assistance with this after awarded financial Aid.

    Helpful Links for Applying 


    As you begin the process of applying for financial aid for the academic year, the UNC Office of Financial Aid offers these tips.

    7 Easy Steps to the FAFSA (1718)


    Details on completing the FAFSA.

    Federal Aid Resources

    Online  resources from the Department of Education. 

  • UNC Scholarship Application

    The UNC Scholarship Application can also be found under the Financial tab in Ursa. Use this quick and easy application to apply for scholarships catered towards UNC students of different backgrounds, majors, etc.

    Find UNC Scholarships.

  • Checking your Ursa and BearMail Accounts

    Ursa is your student account that will detail information such as financial aid, credit requirements, and GPAs. Be sure to check your BearMail account, this is where you may view your UNC emails. The Office of Financial Aid will send your award email and information to your BearMail account.

  • Accepting or Declining your Aid on Ursa

    Log onto Ursa and click on the “Financial” tab. “View/Accept Awards” link will contain your Financial Aid award letter. (Note: Students will first need to accept their "Terms and Conditions")  It is here where you can make the decision to accept or decline any financial aid awarded to you.

    To accept your award letter please follow these steps:

    Log onto your Ursa and go to the Financial tab
    Look for the link for View/Accept Award Offer
    It will bring you to a screen with 4 tabs at the top. If you haven’t already you will need to click on the 3rd tab over that says “Terms and Certification Conditions” and accept them.
    IMPORTANT: you are ONLY accepting that you have read the terms and conditions and you accept them. YOU ARE NOT accepting any of your awards yet.
     Once you have pushed “Accept”  the 4th tab will light up that says “Accepting your award. This is where you will find exactly what you were offered. You will need to “accept” or “decline” the loan(s) you wish to pursue and then push the “submit decision” button.  
    If you select the “Accept full awards” button you will automatically accept the full amount of all your awards. (Including your loans- student and parent.)
    If you mistakenly accept or decline certain loans on your account and you want to change your award letter please email the office at ofa@unco.edu with your name, bear number and exactly what loan you want accepted or declined on your behalf and the amount in which you want accepted or declined. Your request will be processed within 3-5 business days.

    Notice: If you have NEVER had Federal Stafford loans with UNC before you will need to complete some additional steps at StudentLoans.gov such as; the direct loans Entrance Counseling and the Master Promissory note (MPN).

  • Viewing your Bill

    Your student bill can be viewed on Ursa under the “Financial” tab.  Located on the top left, the account balances for your terms at UNC can be seen; at the bottom will be your account balance. Click on each term to see a detailed list of term credits and payments.

    Learn more about reading your bill.

  • Students Studying Abroad

    If you have been accepted into an UNC approved, study abroad program you may use any federal, state or institutional aid you would normally be awarded except for work-study and some scholarships. Use of private scholarships for study abroad must be approved by the donor.

    Depending on a student’s particular financial status, his/her award may not cover all study abroad costs. There are federal loan limits based on a student’s academic level that prevent UNC from funding an unlimited amount in Stafford loans to students. Private loans may be an option for those who qualify.

    Study abroad students should have personal funds available to cover the cost of travel and to sustain them for a few weeks, as financial aid funds will not be available until actual full-time academic enrollment verification is completed. Students will also need extra funds for vacation travel as federal law prevents the use of funds for such costs.

    Contact the study abroad financial aid counselor to complete the required paperwork and to ensure that you have the funds necessary to study abroad.

  • Summer Aid

    Processing will begin April 20th and the deadline for summer aid is July 20th. Be sure to be registered before July 20th. Summer aid will be accepted through Ursa under the View/Accept Award Offer

  • Work Study and Student Employment

    UNC offers many places to work on-campus. Find an on-campus employer. Aside from offering hourly-paid jobs, UNC offers work-study employment. Work study is awarded to students based on their financial need. It is only accepted at locations on-campus that have work study positions.

  • Determining Your Costs

    For the purposes of determining financial aid, our office follows the Colorado Department of Higher Education (CDHE) and federal guidelines to develop an estimated, average cost of attendance (budget) for different student classifications (commuter/non-commuter, undergraduate/graduate, resident/nonresident, etc.).

    Budgets include estimated figures for tuition and mandatory fees as well as estimated averages for room and board, books and supplies, transportation, and personal (miscellaneous) expenses.

    The tuition cost for an undergraduate Colorado resident includes only the student share of tuition. The College Opportunity Fund (COF) pays a portion of your tuition. Be sure to apply for COF.

    View Estimated Costs Information

  • Maintaining Your Aid 

    warning NOTE: Fall 2017 deadline for appeals is November 18, 2017.

    Federal regulations require that the University of Northern Colorado establish a policy to monitor the academic progress of students who apply for and/or receive federal, state and institutional aid. Students must be making satisfactory academic progress toward their academic objective in order to maintain their eligibility for financial aid.

    Standards of Satisfactory Academic Progress

    The Standards for Satisfactory Academic Progress (SAP) and the associated policies may have changed for the next academic year. All students need to read this material carefully, and direct any questions to the Office of Financial Aid at 970-351-2502.

    Please note: Academic Suspension appeals policy expectations differ from the Financial Aid Ineligibility Appeal Policy and have a separate application process. View instructions for academic appeal.

    Ineligible for Aid

    If Ineligible for Aid, you’re no longer eligible to receive financial assistance under any state or federal financial aid programs administered by or through the University of Northern Colorado. Being Ineligible for Aid does not prohibit your enrollment at UNC, but you will be responsible for all charges incurred. Being Ineligible for Aid remains in effect unless removed by the Appeals Committee (See Financial Aid Appeals in the SAP standards document). If you are academically suspended and then are readmitted to the university, you must still appeal your financial aid suspension. If financial assistance is received and you were not eligible for it, repayment of that aid is required immediately. The entire financial aid Refund/Repayment Policy may be obtained upon request from the Office of Financial Aid.