Overview of the Financial Aid Programs, Awards, and Disbursements

Financial aid is designed to bridge the gap between the cost of attending Utah Valley University and what the students and their families are expected to pay. Visit our Cost of Attendance page for more information. 

After Utah Valley University has received your Free Application for Federal Student Aid (FAFSA) information with a valid Expected Family Contribution, and you have completed all other necessary steps in the application process, the Expected Family Contribution, Cost of Attendance, and other outside resources, known as other Estimated Financial Assistance (EFA), are evaluated to determine your federal student aid award. The total federal student aid and other estimated financial assistance cannot exceed your Cost of Attendance. When the award is offered, an email notification will be sent to your UVLink email account. To view your awards, log in to UVLink, click on the Student tab, Financial Aid folder (under Banner Services), Award folder, Award link, Select the appropriate Aid Year, Award Overview.

Need-based Aid

Financial need = your Cost of Attendance minus your Expected Family Contribution. For example, if your Cost of Attendance is $6,000 and your Expected Family Contribution is 2000, your financial need is $4,000. In this example, you are not eligible for more than $4,000 in need-based aid.

The following are the need-based federal student aid programs that Utah Valley University participates in:

  • Federal Pell Grant
  • Federal Supplemental Educational Opportunity Grant
  • Direct Subsidized Loan
  • Federal Perkins Loan
  • Federal Work-Study

Non-need-based Aid

Non-need = your Cost of Attendance and other Estimated Financial Assistance. For example, if your Cost of Attendance is $6,000 and you have been awarded a total of $4,000 in need-based aid and private scholarships, you can receive up to $2,000 in non-need-based aid.

The following are the non-need-based federal student aid programs that Utah Valley University participates in:

  • Direct Unsubsidized Loan
  • Federal PLUS Loan

Private education loans are not federal student aid loans, but are considered non-need-based aid.

General Award Information


Federal Pell Grant

Federal Pell Grants are considered to be the first source of aid to the student and is need-based aid. To apply for a Federal Pell Grant, you must first complete the FAFSA. Additionally, you must complete any other required items, which could include verification. These required items can be viewed in your UVLink account. Log in to UVLink, go to the Student tab, click on the Financial Aid folder (under Banner Services), Requirements, select the appropriate Aid Year.

Federal Pell Grant minimum and maximum award amounts are determined annually by the U.S. Department of Education. Your award amount is based upon your Expected Family Contribution, your Cost of Attendance, full-time enrollment, and the Federal Pell Grant Payment Schedule issued by the U.S. Department of Education. If your Expected Family Contribution is higher than the eligible Federal Pell Grant Expected Family Contribution found on the Federal Pell Grant Payment Schedule, you will not be eligible to receive a Federal Pell Grant. If you are awarded Federal Pell Grant, the award will be automatically accepted. To view the Federal Pell Grant Payment Schedule, visit https://ifap.ed.gov/dpcletters/attachments/GEN1502Attach.pdf.

After you are awarded, and if you are eligible, your Federal Pell Grant will be sent electronically to the Cashiers Office no sooner than ten days prior to the first day of your enrolled classes. Your Federal Pell Grant will first pay your outstanding tuition and fees and, if authorized by you, any other institutional charges. After this balance is paid, and if there is any excess federal student aid, the Utah Valley University Cashiers Office will refund the monies to you either by check through the U.S. Postal Service to the local address listed in UVLink (this is the default method), or through direct deposit (which you may set up in UVLink). If mailed, please allow 3-5 business days for the refund to be processed.

The Utah Valley University Financial Aid and Scholarships Office and Cashiers Office process federal student aid disbursements and refunds every business day. This refund money may be used for educational purposes and to pay the cost of attending Utah Valley University.

For continued eligibility for a Federal Pell Grant, you must meet Satisfactory Academic Progress each semester and continue to meet all other eligibility requirements. You must complete a new FAFSA and other application requirements each award year. Please see our Eligibility page for more information.

The Financial Aid and Scholarships Office will send your Federal Pell Grant and Federal Loan information to the U.S. Department of Education. This information is then included in the National Student Loan Data System (NSLDS) and is accessible to you and authorized agencies, lenders, services, and institutions. You can view your complete Federal Loan and Pell Grant history in the National Student Loan Data System atwww.nslds.ed.gov

For more information on the application process, visit our How to Apply page. Please visit the Federal Pell Grant page to view the general terms, conditions, and eligibility requirements for the Federal Pell Grant program.

Iraq and Afghanistan Service Grant

The Iraq and Afghanistan Service Grant is awarded to a student  whose parent or guardian died as a result of U.S. military service in Iraq or Afghanistan after September 11, 2001. The student may receive increased amounts of Federal Student Aid, if, at the time of the parent or guardian’s death, the student was:

  • 24 years of age or younger, or
  • Enrolled at an institution of higher education.

To apply for an Iraq and Afghanistan Service Grant, you must first complete the FAFSA. Additionally, you must complete any other required items, which could include verification. These required items can be viewed in your UVLink account. Log in to UVLink, go to the Student tab, click on the Financial Aid folder (under Banner Services), Requirements, select the appropriate Aid Year.

When a student completes their FAFSA the U.S. Department of Defense will determine if the student’s parent or guardian has passed away as a result of U.S. military service. 

If a match is found, the U.S. Department of Education will notify the student and will notify the Financial Aid and Scholarships Office. The student may then be awarded a Federal Pell Grant, based on eligibility requirements. 

The grant award is equal to the amount of a maximum Federal Pell Grant for the award year but cannot exceed your cost of attendance. Due to sequestration, award amounts for any Iraq and Afghanistan Service Grant that is first disbursed on or after Oct. 1, 2014, and before Oct. 1, 2015, must be reduced by 7.3 percent from the award amount for which a recipient would otherwise have been entitled.  Any Iraq and Afghanistan Service Grant that is first disbursed on or after Oct. 1, 2015, and before Oct. 1, 2016, must be reduced by 6.8 percent.

After you are awarded, and if you are eligible, your Iraq and Afghanistan Service Grant will be sent electronically to the Cashiers Office no sooner than ten days prior to the first day of your enrolled classes. Your Iraq and Afghanistan Service Grant will first pay your outstanding tuition and fees and, if authorized by you, any other institutional charges. After this balance is paid, and if there is any excess federal student aid, the Utah Valley University Cashiers Office will refund the monies to you either by check through the U.S. Postal Service to the local address listed in UVLink (this is the default method), or through direct deposit (which you may set up in UVLink). If mailed, please allow 3-5 business days for the refund to be processed.

The Utah Valley University Financial Aid and Scholarships Office and Cashiers Office process federal student aid disbursements and refunds every business day. This refund money may be used for educational purposes and to pay the cost of attending Utah Valley University.

The Financial Aid and Scholarships Office will send your Federal Pell Grant and Federal Loan information to the U.S. Department of Education. This information is then included in the National Student Loan Data System (NSLDS) and is accessible to you and authorized agencies, lenders, services, and institutions. You can view your complete Federal Loan and Pell Grant history in the National Student Loan Data System atwww.nslds.ed.gov

For continued eligibility for an Iraq and Afghanistan Service Grant, a student must meet Satisfactory Academic Progress each semester and continue to meet all other eligibility requirements. A student must complete a new FAFSA and other application requirements each award year. Please see our Eligibility page for more information.

Federal Supplementary Equal Opportunity Grant

The Federal Supplementary Equal Opportunity Grant is awarded to undergraduate students who meet specific selection criteria and is need-based aid. To be considered for a Federal Supplementary Equal Opportunity Grant, you must first complete the FAFSA. Additionally, you must complete any other required items, which could include verification. These required items can be viewed in your UVLink account. Log in to UVLink, go to the Student tab, click on the Financial Aid folder under the Banner Services menu, Requirements, select the appropriate Aid Year.

Students with the lowest Estimated Family Contributions (zero Estimated Family Contribution) are awarded first. If after this awarding, funding is still available, remaining Pell eligible students will be awarded in order of lowest to highest Estimated Family Contribution. If after this awarding, funding remains, all Pell Grant recipients who have reached their Pell Lifetime Eligibility of 600% would be awarded in order of lowest to highest Estimated Family Contribution. The fourth awarding would be for all students who are not Pell eligible but who have the lowest Estimated Family Contribution. Due to limited funding not all students with a zero Estimated Family Contribution will be awarded. 

If eligible, undergraduate students will be awarded a Federal Supplementary Equal Opportunity Grant of $800 for the aid year to be split in two equal amounts between Fall and Spring semesters.

For continued eligibility for a Federal Supplementary Equal Opportunity Grant, a student must meet Satisfactory Academic Progress each semester and continue to meet all other eligibility requirements. A student must complete a new FAFSA and other application requirements each award year. Please see our Eligibility page for more information.

After you are awarded, and if you are eligible, your Federal Supplementary Equal Opportunity Grant will be sent electronically to the Cashiers Office no sooner than ten days prior to the first day of your enrolled classes. Your Federal Supplementary Equal Opportunity Grant will first pay your outstanding tuition and fees and, if authorized by you, any other institutional charges. After this balance is paid, and if there is any excess federal student aid, the Utah Valley University Cashiers Office will refund the monies to you either by check through the U.S. Postal Service to the local address listed in UVLink (this is the default method), or through direct deposit (which you may set up in UVLink). If mailed, please allow 3-5 business days for the refund to be processed.

The Utah Valley University Financial Aid and Scholarships Office and Cashiers Office process federal student aid disbursements and refunds every business day. This refund money may be used for educational purposes and to pay the cost of attending Utah Valley University.

For more information on the application process, visit our How to Apply page.

Federal Work-Study

Federal Work-Study is a work program and not a grant. Federal Work-Study is need-based. The funds are earned by the student through working. To be considered for Federal Work-Study, you must first complete the FAFSA. Additionally, you must complete any other required items, which could include verification. These required items can be viewed in your UVLink account. Log in to UVLink, go to the Student tab, click on the Financial Aid folder (under Banner Services), Requirements, select the appropriate Aid Year.

Federal Work-Study is based on available funding and the date your financial aid student file is complete (a completed financial aid student file means Utah Valley University has received your FAFSA, and there are no outstanding financial aid requirements). Students must have financial need, which is based on the Estimated Family Contribution and Cost of Attendance. The Expected Family Contribution must be 10,000 or less. Priority is given to students who have had Federal Work-Study awarded at Utah Valley University in the past.

Federal Work-Study is only available for undergraduate students. Global Aviation and Distance Education students are not eligible for Federal Work-Study.

The Federal Work-Study award at Utah Valley University is $5,000 for the award year.

If you are eligible and are awarded Federal Work-Study, you must accept the award through UVLink. To view and accept your award, click on the Student Tab, Financial Aid Folder (under Banner Services), Award folder, Award link, Select the appropriate Aid Year, Terms and Conditions, Accept Award Offer. After accepting your award, you must contact a Financial Aid and Scholarships Office Counselor for a Federal Work-Study referral form, which is a contract between you, the Financial Aid and Scholarships Office, and the department for which you work.

If you are not initially awarded Federal Work-Study, you may request a Work Study Request form from a Financial Aid and Scholarships Office Counselor. The form must be completed and returned to the Financial Aid and Scholarships Office by the date notated on the form. Completing the Work Study Request form does not guarantee you will be awarded Federal Work-Study. Request forms will be processed in the order they are received until available funding is exhausted. Your Federal Work-Study must fit within your financial need, as explained in the Need-based Aid section above, and you must meet all other eligibility requirements.

For continued eligibility for Federal Work-Study, you must meet Satisfactory Academic Progress each semester and continue to meet all other eligibility requirements. You must complete a new FAFSA and other application requirements each award year. Please see our Eligibility page for more information.

When you apply for and are hired as a Federal Work-Study employee, you are an employee of Utah Valley University, and must adhere to all employment policies and procedures set forth by the Utah Valley University Human Resources Office. For more information, visit http://www.uvu.edu/hr.

You receive your Federal Work-Study by receiving compensation for the work you perform. The official pay dates are the 1st and the 16th of each month.  If the Utah Valley University Payroll Office has received and processed your direct deposit information, your payroll funds will usually be made available to you the day prior to the official pay day. All pay stubs are available online through UVLink. Log in to UVLink,click on the Student Tab, Employee Services folder (under Banner Services), Pay Information folder, Pay Stub. All employees are paid on a two week lag pay cycle; meaning your first paycheck will be approximately one month after you have started working.

Utah Valley University has an Ethics Point reporting system which allows anyone to report issues or concerns that may involve accounting, auditing, internal control, or other issues in an anonymous and confidential manner. For more information, visit http://www.uvu.edu/audit/concerns/.

For more information on the application process, visit our How to Apply page. Please visit the Federal Work-Study Program page to view the general terms, conditions, and eligibility requirements for the Federal Work-Study program.

Federal Perkins Loans

Perkins Loans provide low interest loans to help students finance the costs of their education and is need-based. To receive a Perkins Loan, you must first complete the FAFSA. Additionally, you must complete any other required items, which could include verification. These required items can be viewed in your UVLink account. Log in to UVLink, go to the Student tab, click on the Financial Aid folder (under Banner Services), Requirements, select the appropriate Aid Year.

Once awarded, you must accept your loans in your UVLink account confirming that you want the loan. To view and accept your award, click on the Student tab, Financial Aid Folder (under Banner Services), Award folder, Award link, Select the appropriate Aid Year, Terms and Conditions, Accept Award Offer. If you accept a loan, but subsequently would like to cancel the loan or decrease the amount, you will need to complete the Loan Cancellation Request Form and submit it to the Financial Aid and Scholarships Office. If the loan has already paid onto your student account, you must repay to the Utah Valley University Cashiers Office the loan amount you are requesting to be cancelled.

If eligible, undergraduate students will be awarded a Federal Perkins Loan of $3,000 for the aid year to be split in two equal amounts between Fall and Spring semesters. If eligible, graduate students will be awarded $6,000 a Federal Perkins Loan of $6,000 for the aid year to be split in two equal amounts between Fall and Spring semesters.

After you have accepted your loan, you must complete Perkins Loan Counseling by scheduling an appointment with the Utah Valley University Collections Office at (801) 863-8611. You must complete the Perkins Loan Questionnaire and bring the completed document, and a valid, unexpired photo identification, to your Perkins Loan Counseling appointment. At your Perkins Loan Counseling appointment, you will review and sign the Perkins Loan Disclosure, Rights and Responsibilities, and Perkins Loan Master Promissory Note. For further information, visit the Federal Perkins Loan, or the Federal Perkins Loan Entrance and Exit Loan Counseling website. 

You must be enrolled in at least 6 credit hours if an undergraduate, 4.5 hours if a graduate (waitlist hours, audited courses, courses that are not needed to complete your academic program, and some repeated courses are not considered eligible credit hours), completed your Entrance Loan Counseling for your Perkins Loan, and have met all other financial aid requirements before your loan will pay onto your student account. 

For continued eligibility for Federal Perkins Loans, you must meet Satisfactory Academic Progresseach semester and continue to meet all other eligibility requirements. You must complete a new FAFSA and other application requirements each award year. Please see our Eligibility page for more information.

After you are awarded, and if you are eligible, and have completed Entrance Perkins Loan Counseling, your Perkins Loan will be sent electronically to the Cashiers Office no sooner than ten days prior to the first day of your enrolled classes. Your Perkins Loan will first pay your outstanding tuition and fees and, if authorized by you, any other institutional charges. After this balance is paid, and if there is any excess federal student aid, the Utah Valley University Cashiers Office will refund the monies to you either by check through the U.S. Postal Service to the local address listed in UVLink (this is the default method), or through direct deposit (which you may set up in UVLink). If mailed, please allow 3-5 business days for the refund to be processed.

The Utah Valley University Financial Aid and Scholarships Office and Cashiers Office process federal student aid disbursements and refunds every business day. This refund money may be used for educational purposes and to pay the cost of attending Utah Valley University.

If you leave school (graduate or withdraw), drop below half-time enrollment (6 credit hours for undergraduate and 4.5 credits for graduate - waitlist hours, audited courses, courses that are not needed to complete your academic program, and some repeated courses are not considered eligible credit hours), you must complete Perkins Loan Exit Loan Counseling. This is done in person with the Utah Valley University Collections Office. You may schedule an appointment with them at (801) 863-8611 to complete this Exit Loan Counseling.

The U.S. Department of Education will give further guidance about the future awarding of Federal Perkins Loans.

For more information on the application process, visit our How to Apply page. Please visit the Student Loans Information page to view the general terms, conditions, and eligibility requirements for the Federal Perkins Loan program.

Federal Direct Loans

Federal Direct Loans are low interest loans for students and parents to help pay for the cost of a student's education. The lender is the U.S. Department of Education, though the servicer the student will work with can be a private business. There are three types of Direct Loans: Subsidized, Unsubsidized, and PLUS.

Direct Subsidized Loans

A Direct Subsidized Loan is a need-based loan and is available to undergraduate students. The U.S. Department of Education pays the interest on your Direct Subsidized Loan:

  • while you are in school at least half-time (6 credits)
  • for the first six months after you leave school (referred to as a grace period*), and
  • during a period of deferment (a postponement of loan payments).

*Note: If you received a Direct Subsidized Loan that was first disbursed between July 1, 2012, and July 1, 2014, you will be responsible for paying any interest that accrues during your grace period. If you choose not to pay the interest that accrues during your grace period, the interest will be added to your principal balance.

To receive a Direct Subsidized Loan, you must first complete the FAFSA. Additionally, you must complete any other required items, which could include verification. These required items may be viewed in your UVLink account. Log in to UVLink, go to the Student tab, click on the Financial Aid folder (under Banner Services), Requirements, select the appropriate Aid Year.

Once awarded, you must accept your loans in your UVLink account, confirming that you want the loan. To view and accept your award, click on the Student tab, Financial Aid Folder (under Banner Services), Award folder, Award link, Select the appropriate Aid Year, Terms and Conditions, Accept Award Offer. You must accept your loan for each semester in which you would like to receive a loan. You do not have to accept the full amount of your loans, you may choose how much of each loan you receive for each semester.

You must be enrolled in at least 6 eligible credit hours to receive a Direct Subsidized Loan (waitlist hours, audited courses, courses that are not needed to complete your academic program, and some repeated courses are not considered eligible credit hours), and have met all other financial aid requirements before your loans can disburse.

For continued eligibility for Direct Subsidized Loans, you must meet Satisfactory Academic Progress each semester and continue to meet all other eligibility requirements. You must complete a new FAFSA and other application requirements each award year. Please see our Eligibility page for more information.

If necessary, you will need to complete entrance counseling, and/or e-sign a Master Promissory Note at www.studentloans.gov. This can be completed approximately three business days after you accept your loans and are registered for classes.

After you are awarded, have accepted your loan, and if you are eligible, your loan will be sent electronically to the Cashiers Office no sooner than ten days prior to the first day of your enrolled classes. Your loan will first pay your outstanding tuition and fees and, if authorized by you, any other institutional charges. After this balance is paid, and if there is any excess federal student aid, the Utah Valley University Cashiers Office will refund the monies to you either by check through the U.S. Postal Service to the local address listed in UVLink (this is the default method), or through direct deposit (which you may set up in UVLink). If mailed, please allow 3-5 business days for the refund to be processed.

The Utah Valley University Financial Aid and Scholarships Office and Cashiers Office process federal student aid disbursements and refunds every business day. This refund money may be used for educational purposes and to pay the cost of attending Utah Valley University.

If you choose to cancel all or part of your loan before your loan pays onto your student account, you must complete a Loan Cancellation Request Form and upload it to the Financial Aid and Scholarships Office. If you choose to cancel all or part of your loan after the your loans have paid onto your student account, you must upload a completed Loan Cancellation Request Form to the Financial Aid and Scholarships Office and return the funds to the Cashiers Office. If 120 days have elapsed since your loan was disbursed, the funds cannot be returned to the school and must be returned directly to your loan servicer.

You must complete exit counseling before you withdraw, graduate, or drop below half-time enrollment (even if you plan to transfer to another school). Exit counseling helps you understand your rights and responsibilities as a student loan borrower and provides useful tips and information to help you manage your loans. Exit counseling may be completed at www.studentloans.gov.

The Financial Aid and Scholarships Office will send your Federal Pell Grant and Federal Loan information to the U.S. Department of Education. This information is then included in the National Student Loan Data System (NSLDS) and is accessible to you and authorized agencies, lenders, services, and institutions. You can view your complete Federal Loan and Pell Grant history in the National Student Loan Data System atwww.nslds.ed.gov

For more information on the application process, visit our How to Apply page. Please visit the Student Loans Information page to view the general terms, conditions, and eligibility requirements for the Direct Subsidized Loan program, or visit the Federal Student Aid website.

Direct Unsubsidized Loans

A Direct Unsubsidized Loan is a non-need-based loan and is available to undergraduate and graduate students. Students are responsible for paying the interest on a Direct Unsubsidized Loan during all periods. You may choose to pay the interest on your Unsubsidized Loans while you are in school and during grace periods and deferment or forbearance periods. If you do not pay the interest while in school, during grace periods, and deferment or forbearance periods, then your loan interest will accrue and be capitalized.

To receive a Direct Unubsidized Loan, you must first complete the FAFSA. Additionally, you must complete any other required items, which could include verification. These required items can be viewed in your UVLink account. Log in to UVLink, go to the Student tab, click on the Financial Aid folder (under Banner Services), Requirements, select the appropriate Aid Year.

Once awarded, you must accept your loans in your UVLink account, confirming that you want the loan. To view and accept your award, click on the Student tab, Financial Aid Folder (under Banner Services), Award folder, Award link, Select the appropriate Aid Year, Terms and Conditions, Accept Award Offer. You must accept your loan for each semester in which you would like to receive a loan. You do not have to accept the full amount of your loans, you may choose how much of each loan you receive for each semester.

You must be enrolled in at least 6 eligible credit hours if an undergraduate, 4.5 eligible credit hours if a graduate (waitlist hours, audited courses, courses that are not needed to complete your academic program, and some repeated courses are not considered eligible credit hours), and have met all other financial aid requirements before your loans can disburse.

For continued eligibility for Direct Unsubsidized Loans, you must meet Satisfactory Academic Progress each semester and continue to meet all other eligibility requirements. You must complete a new FAFSA and other application requirements each award year. Please see our Eligibility page for more information.

If necessary, you will need to complete entrance counseling, and/or e-sign a Master Promissory Note at www.studentloans.gov. This can be completed approximately three business days after you accept your loans and are registered for classes.

After you are awarded, have accepted your loan, and if you are eligible, your loan will be sent electronically to the Cashiers Office no sooner than ten days prior to the first day of your enrolled classes. Your loan will first pay your outstanding tuition and fees and, if authorized by you, any other institutional charges. After this balance is paid, and if there is any excess federal student aid, the Utah Valley University Cashiers Office will refund the monies to you either by check through the U.S. Postal Service to the local address listed in UVLink (this is the default method), or through direct deposit (which you may set up in UVLink). If mailed, please allow 3-5 business days for the refund to be processed.

The Utah Valley University Financial Aid and Scholarships Office and Cashiers Office process federal student aid disbursements and refunds every business day. This refund money may be used for educational purposes and to pay the cost of attending Utah Valley University.

If you choose to cancel all or part of your loan before your loan pays onto your student account, you must complete a Loan Cancellation Request Form and upload it to the Financial Aid and Scholarships Office. If you choose to cancel all or part of your loan after the your loans have paid onto your student account, you must submit a completed Loan Cancellation Request Form to the Financial Aid and Scholarships Office and return the funds to the Cashiers Office. If 120 days have elapsed since your loan was disbursed, the funds cannot be returned to the school and must be returned directly to your loan servicer.

You must complete exit counseling before you withdraw, graduate, or drop below half-time enrollment (even if you plan to transfer to another school). Exit counseling helps you understand your rights and responsibilities as a student loan borrower and provides useful tips and information to help you manage your loans. Exit counseling may be completed at www.studentloans.gov.

The Financial Aid and Scholarships Office will send your Federal Pell Grant and Federal Loan information to the U.S. Department of Education. This information is then included in the National Student Loan Data System (NSLDS) and is accessible to you and authorized agencies, lenders, services, and institutions. You can view your complete Federal Loan and Pell Grant history in the National Student Loan Data System atwww.nslds.ed.gov

For more information on the application process, visit our How to Apply page. Please visit the Student Loans Information page to view the general terms, conditions, and eligibility requirements for the Direct Unsubsidized Loan program, or visit the Federal Student Aid website.

Direct PLUS Loans

A Direct PLUS Loan is a non-need-based loan and is available to Parents of undergraduate students, or graduate students.

To receive a Federal PLUS Loan, a student must first complete the FAFSA. Additionally, a student must complete any other required items, which could include verification. These required items can be viewed in the student’s UVLink account. Log in to UVLink, go to the Student tab, click on the Financial Aid folder (under Banner Services), Requirements, select the appropriate Aid Year.

For Direct Parent PLUS Loans, the parent must complete the Parent PLUS Loan Request and upload the completed form to the Financial Aid and Scholarships Office. The parent must be the student’s biological or adoptive mother or father. A stepparent is also eligible to borrow a PLUS loan if their income and assets would be taken into account on the student’s FAFSA application. A legal guardian is not considered a parent for this purpose. A borrower is not eligible for a PLUS loan if the federal government holds a judgment lien on his or her property or if he or she is incarcerated. The parent borrower is responsible for repaying the loan. 

For Direct Graduate PLUS Loans, you must complete the Graduate PLUS Loan Application and upload the completed application to the Financial Aid and Scholarships Office.

For Direct Parent PLUS Loans, the student must be enrolled in at least 6 eligible credit hours (waitlist hours, audited courses, courses that are not needed to complete your academic program, and some repeated courses are not considered eligible credit hours), and for Direct Graduate PLUS Loans, the student must be enrolled in 4.5 eligible credit hours (waitlist hours, audited courses, courses that are not needed to complete your academic program, and some repeated courses are not considered eligible credit hours), and have met all other financial aid requirements before the loans can disburse.

Direct PLUS Loans are subject to a credit check to determine the borrowers credit worthiness. The U.S. Department of Education will run a soft credit check. If the credit check is denied, the borrower has the following options:

  • The borrower may contact the U.S. Department of Education and provide information on extenuating circumstances relating to the adverse credit history and complete PLUS Loan Counseling with the U.S. Department of Education. You can find further information on this at https://studentloans.gov/myDirectLoan/whatYouNeed.action?page=credit. If the U.S. Department of Education approves the PLUS loan borrower, the Financial Aid and Scholarships Office may continue this request. The borrower will need to contact the Financial Aid and Scholarships Office.
  • The borrower may obtain an endorser and complete PLUS Loan Counseling with the U.S. Department of Education. An endorser is someone who does not have an adverse credit history and agrees to repay the loan if the borrower does not repay it. You can find further information on this at https://studentloans.gov/myDirectLoan/whatYouNeed.action?page=credit

For continued eligibility for Direct PLUS Loans, the student must meet Satisfactory Academic Progress each semester and continue to meet all other eligibility requirements. A student must complete a new FAFSA and other application requirements each award year, and the borrower must complete the Parent PLUS Loan Request or the Graduate PLUS Loan Application each award year they wish to receive a Direct PLUS Loan. Please see our Eligibility page for more information.

If necessary, you (or your parent, for parent PLUS loans) will need to e-sign a Master Promissory Note at www.studentloans.gov. This can be completed approximately three business days after the Financial Aid and Scholarships Office completes your Direct PLUS Loan request form. Students (for graduate PLUS Loans) must also complete entrance counseling at www.studentloans.gov. Parents requesting a PLUS Loan need only complete entrance counseling for the circumstances listed above.

For graduate PLUS loans, after you are awarded, and if you are eligible, your loan will be sent electronically to the Cashiers Office no sooner than ten days prior to the first day of your enrolled classes. Your loan will first pay your outstanding tuition and fees and, if authorized by you, any other institutional charges. After this balance is paid, and if there is any excess federal student aid, the Utah Valley University Cashiers Office will refund the monies to you either by check through the U.S. Postal Service to the local address listed in UVLink (this is the default method), or through direct deposit (which you may set up in UVLink). If mailed, please allow 3-5 business days for the refund to be processed.

For parent PLUS loans, after you are awarded, and if you and your student are eligible, your loan will be sent electronically to the Cashiers Office no sooner than ten days prior to the first day of your students enrolled classes. Your loan will first pay your students outstanding tuition and fees and, if authorized by you (the parent), any other institutional charges. After the student's balance is paid, and if there is any excess federal student aid, the Utah Valley University Cashiers Office will refund the monies to you (the parent, unless otherwise notated on the  Parent PLUS Loan Application) by check through the U.S. Postal Service to the address listed on the Parent PLUS Loan Application. If you indicate on the Parent PLUS Loan Application that you would like any excess funds to be sent to your student, the Utah Valley University Cashiers Office will refund the monies to your student either by check through the U.S. Postal Service to the address listed in UVLink (this is the default method), or through direct deposit (which your student may set up in UVLink). If mailed, please allow 3-5 business days for the refund to be processed.

The Utah Valley University Financial Aid and Scholarships Office and Cashiers Office process federal student aid disbursements and refunds every business day. This refund money may be used for educational purposes and to pay the cost of attending Utah Valley University.

If you choose to cancel all or part of your loan before your loan pays onto your student (for graduate PLUS Loans) or your student's account (for Parent PLUS Loans), you must complete a Loan Cancellation Request Form and upload it to the Financial Aid and Scholarships Office. If you choose to cancel all or part of your loan after the your loans have paid onto your student account, you must submit a completed Loan Cancellation Request Form to the Financial Aid and Scholarships Office and return the funds to the Cashiers Office. If 120 days have elapsed since your loan was disbursed, the funds cannot be returned to the school and must be returned directly to your loan servicer.

You must complete exit counseling before you withdraw, graduate, or drop below half-time enrollment (even if you plan to transfer to another school). Exit counseling helps you understand your rights and responsibilities as a student loan borrower and provides useful tips and information to help you manage your loans. Exit counseling may be completed at www.studentloans.gov.

The Financial Aid and Scholarships Office will send your Federal Pell Grant and Federal Loan information to the U.S. Department of Education. This information is then included in the National Student Loan Data System (NSLDS) and is accessible to you and authorized agencies, lenders, services, and institutions. You can view your complete Federal Loan and Pell Grant history in the National Student Loan Data System atwww.nslds.ed.gov

For more information on the application process, visit our How to Apply page. Please visit the Student Loans Information page to view the general terms, conditions, and eligibility requirements for the Federal Direct PLUS Loan program, or visit the Federal Student Aid website.

Institutional Private Scholarships

Utah Valley University offers many different scholarships. Each type of scholarship has its own eligibility criteria. For information about scholarships, visit http://www.uvu.edu/financialaid/scholarships/.

Segal AmeriCorps Education Award

The Segal AmeriCorps Education Award is a post-service benefit received by participants who  complete a term of national service in an approved AmeriCorps program (AmeriCorps VISTA, AmeriCorps NCCC, or AmeriCorps State and National) and is considered a need-based award. An AmeriCorps member serving in a full-time term of national service is required to complete the service within 12 months. Upon successful completion of the service, members are eligible to receive a Segal AmeriCorps Education Award. 

Students work with the Volunteer & Service Learning department to complete the necessary forms to become an AmeriCorps member and perform service to qualify for the education award. When their service is complete, they work with the Volunteer & Service Learning department to complete the paperwork to receive the education award. If the student has not completed the necessary paperwork and authorized Utah Valley University to make a payment, they will not show up on the AmeriCorps website to be certified. The Financial Aid and Scholarships Office will receive notification when a student’s record is ready to be certified.

For further information about the Segal AmeriCorps Education Award, visit http://www.nationalservice.gov/programs/americorps/segal-americorps-education-award.

General Disbursement Information


You are responsible to ensure that all necessary eligibility requirements are met before your federal student aid can be disbursed. You must be enrolled and otherwise eligible for federal student aid at the time of disbursement.

You should check your UVLink account to determine if additional information is required.  Log in to UVLink, go to the Student tab, click on the Financial Aid folder (under Banner Services), Requirements, select the appropriate Aid Year.

After you are awarded and have accepted your award (when applicable), and you have met all eligibility requirements, your federal student aid will be sent electronically to the Utah Valley University Cashiers Office no sooner than ten days prior to the first day of your enrolled classes. Your federal student aid will first pay your outstanding tuition and fees and, if authorized by you, any other institutional charges (library fees, parking fees, etc). After this balance is paid, and if there is any excess federal student aid, the Utah Valley University Cashiers Office will refund the monies to you either by check through the U.S. Postal Service to the local address listed in UVLink (this is the default method), or through direct deposit (which you may set up in UVLink). If mailed, please allow 3-5 business days for the refund to be processed.

Review your Utah Valley University balance by logging into your UVLink account:

  • Go to the Student Tab
  • Financing and Paying for Your Education
  • Tuition Payment Plus

The Utah Valley University Financial Aid and Scholarships Office and Cashiers Office process federal student aid disbursements and refunds every business day. This refund money may be used for educational purposes and to pay the cost of attending Utah Valley University.

If you are otherwise eligible and your federal student aid has not disbursed to your student account by the first day of the semester, you should contact the Financial Aid and Scholarships Office.

Impact of Repeating a Class

Federal student aid may not be used to pay for more than one repeat of a previously passed course.

Impact of Remedial Classes

Federal student aid may not be used to pay for more than one repeat of a previously passed course.

Impact of Auditing a Class

Federal student aid cannot pay for audited classes.

Adjusting Credit Hours or Completely Withdrawing After Disbursement


Financial aid is awarded to you under the assumption that you will attend school for the entire semester for which you receive funding. The U.S. Department of Education mandates that when you drop, audit, withdraw, or stop attending your classes without officially withdrawing (unofficially withdraw), you may keep only the financial aid that you have earned up to the time you drop, audit, withdraw, or stop attending your classes. Any unearned aid must be returned to the U.S. Department of Education regardless of the reason for dropping, auditing, withdrawing, or unofficially withdrawing. Each and every time your financial aid is returned to the U.S. Department of Education, you will be required to repay to the Utah Valley University Cashiers Office the aid that was returned.

For more information about adding, dropping, auditing, withdrawing, or unofficially withdrawing, please see our Withdrawal Information and Return of Title IV Funds page.