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Steps to Apply

To help guide you through the financial aid process, follow these steps when applying for financial aid.

Step 1. Apply for Admission

Please complete your FAFSA while you are applying for admission; however, financial aid is awarded to only admitted students. Once you are admitted to UWF, you may move forward with completing any outstanding financial aid requirements (if applicable).

Step 2. Fill out the FAFSA

If you will be attending the fall 2020, spring 2021 or summer 2021 semester(s), please complete the 2020-2021 Free Application for Federal Student Aid (FAFSA).

If you will be attending the fall 2021, spring 2022 or summer 2022 semester(s), please complete the 2021-2022 FAFSA.

Our school code is 003955.

Need help with the FAFSA? Watch the tutorial for completing the FAFSA. If you have already submitted the FAFSA but did not list UWF on your FAFSA, you can correct this online at

Step 3. Review your Student Aid Report (SAR)

A SAR is the result of your FAFSA application. If necessary, make changes or corrections and submit your SAR for reprocessing. Your complete, correct SAR will contain your Expected Family Contribution (EFC) - the number used to determine your federal student aid eligibility.

If your SAR was selected for verification, you are required to complete and return the UWF Institutional Verification Form (IVF). This information will automatically be sent to your student email address and will also be available through your my.uwf portal. If selected you may also need to submit an IRS Tax Transcript by requesting one from the IRS or utilize the Data Retrieval Tool within the FAFSA. The Data Retrieval Tool will populated directly into your FAFSA and will eliminate the need to submit an IRS Tax Transcript if selected for verification.

Students should be advised that if they are selected for verification they will not be awarded until after all verification documents are received and processed. 

Step 4. Calculate your Expected Family Contribution

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 or 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. 

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

Step 5. Determine your Scholarship Eligibility

For new students, the process for awarding academic scholarships is directly linked to Admission. A number of academic scholarship programs are available to students who have demonstrated high academic achievement. The Financial Aid Office also awards a limited number of need/merit based scholarships. For more information, visit Scholarships.

The Cost Calculator is designed to help you estimate your financial aid options for University of West Florida. The average time to complete a full estimate is between 3-5 minutes. When you need help feel free to speak to your Admissions counselor or contact the Office of Undergraduate Admissions at or (850) 474-2230.

Step 6. Review  Your Award Letter

For the upcoming Academic Year, Award letters are emailed to first-time freshmen mid-December, and all other students will start to receive Award Letters at the beginning of May. You can also check your status through the MyUWF student portal to determine if you have been awarded. Your financial aid package may be a combination of scholarships, loans, grants, and Federal Work-Study funds. Find out how we determine your award.

When you receive your award letter, please review the award letter and attachments carefully. Make sure your enrollment status, residency, and housing status are correct. If any of these factors are incorrect, or you want to decline all or a portion of the award, please notify the Financial Aid Office in writing.

Step 7. Sign your Master  Promissory Note

If you are a first-time borrower and  your award includes a Federal Direct Loan, you will  be required to sign a master promissory note and complete entrance loan counseling prior to disbursement of the loan.