How Financial Aid is Determined


The information you provide on the FAFSA calculates what is known as your Expected Family Contribution (EFC). UWF, along with most colleges, uses the EFC as the basis for awarding need-based financial aid. The EFC measures your family's ability to contribute to educational costs but is not necessarily what you are asked to pay. 

Cost of Attendance (COA) includes tuition and fees, room and board, books and supplies, personal expenses, and transportation. This total varies from student to student, depending on factors such as enrollment status and housing arrangement. 

After a student has been accepted for admission, the financial aid office uses UWF’s "cost of attendance" and the EFC to determine your eligibility.  Your eligibility for financial aid is calculated by this formula: Cost of Attendance (COA) - Expected Family Contribution (EFC) = Financial Need.

Financial Aid Eligibility Formula 
  •    Cost of Attendance (COA)
  • -  Expected Family Contribution (EFC)
  • =   Financial Need

  • Non-Degree: Non-Degree seeking students are not eligible to receive financial aid; however, short-term loans are available to non-degree students.
  • Transient Student: Students enrolled concurrently at two colleges may only receive financial aid from one school. Your financial aid eligibility will not include transient student hours. Florida Bright Futures is the only program which includes coursework taken at both schools when determining enrollment. Documentation of enrollment and fee payment at the other school is required prior to disbursement of Bright Futures funds. Any exception to this policy requires that you contact the Financial Aid Office regarding the circumstances that require you to take courses at another school.
  • Graduate students: Graduate students must have their undergraduate degree posted before any financial aid can be disbursed.
  • Special Programs: UWF participates in several programs that differ from the traditional degree plan of course requirements. Programs include: study abroad, parallel co-op, and Hospitality, Recreation, and Resort Management (HRRM) program with Pensacola State College. A student enrolled in an approved study abroad program through UWF is considered a UWF student and is eligible for some, but not all, types of financial aid depending upon the program. Any student planning to participate or enroll in one of these programs must contact the Financial Aid Office regarding eligibility for financial aid. Each program requires that additional information be submitted to the Financial Aid Office prior to the disbursement of aid.

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