University of Michigan-Flint

Most student financial aid authorized by the Financial Aid Office is based upon need. For more information on the determination of need please see the cost of attendance web site.  Depending on how much need a student has they may be eligible for any of the following types of financial aid.  With each type of aid there are certain eligibility requirements and terms that must be met.  For more specific information on each possible award please review the Required Reading site.

• Graduate Grant
  Graduate student grant support is available for graduate students admitted to or enrolled in a University of Michigan - Flint graduate program who demonstrate financial need as determined by filing the FAFSA.  Awards are made to to Michigan residents who are enrolled at least half-time (see enrollment status table for amount of credits that equal half-time). Conditional and Probationary admits are not eligible for the graduate grant.

• Teacher Education Assistance for College and Higher Education (TEACH) Grant Program
  Provides grants of up to $4,000 per year to students who intend to teach in a high-need field in a public or private elementary or secondary school that serves students from low-income families. As a recipient of a TEACH Grant, you must teach for at least four academic years within eight calendar years of completing the program of study for which you received a TEACH Grant.
  
  IMPORTANT: If you fail to complete this service obligation, all amounts of TEACH Grants that you received will be converted to a Federal Direct Unsubsidized Stafford Loan. You must then repay this loan to the U.S. Department of Education. You will be charged interest from the date the grant(s) was disbursed.

• University of Michigan - Flint Scholarships
  Please see the scholarship portion of our web site for more information.
  

• Federal Direct Loan, Subsidized
  A need based, low interest loan for students. The amount that a student may borrow is based on his or her grade level and amount of financial need.  Students must be enrolled in at least 1/2 time status in order to be eligible for any Federal Loan.
  
  
• Federal Direct Loan, Unsubsidized
  A non-need based loan for students. A student must apply for a subsidized Federal Direct Stafford/Ford Loan before requesting an unsubsidized loan. The combination of subsidized and unsubsidized loans borrowed may not exceed the student costs and the annual limits of the William D. Ford Federal Direct Loan Program.  Students must be enrolled in at least 1/2 time status in order to be eligible for any Federal Loan.

• Federal Direct PLUS Loan (for Graduate Students) -- application (PDF) -- more information --- FAQs
  The Federal Direct PLUS Loan for graduate students is intended to assist those who are not eligible for other types of financial aid, who have remaining financial need after other forms of financial aid have been awarded, or who wish to borrow all or part of their Expected Family Contribution. The maximum that can be borrowed each year is the cost of attendance (budget) minus all other financial aid awarded. The borrower in this program is the student.  You must reapply for the PLUS Loan each year that you wish to receive it. Students must be enrolled in at least 1/2 time status in order to be eligible for any Federal Loan.

• Alternative Loans

• Students who register for a combination of undergraduate and graduate classes, must be enrolled at least half-time in graduate classes that count towards their degree to receive graduate level loans.  Loans will be reduced to undergraduate loan limits for students who do not meet that requirement.

• Michigan Indian Tuition Waiver
  
  Public Act 505 of 1978: North American Indians who can prove one-quarter quantum Indian blood and who attend a state-supported post-secondary institution in Michigan shall have their tuition waived. A student must have been a legal resident of Michigan for at least 12 consecutive months. Students must notify the Financial Aid Office each semester of the number of credit hours they plan to take. Students must have on file a tribal certification letter indicating one-quarter or more Indian blood quantum. Additional information and service is available from:
  
  Inter-Tribal Council of Michigan
  MITWP
  405 East Easterday Avenue
  Sault Ste. Marie, Michigan 48783

• Bureau of Indian Affairs (BIA): Higher education scholarships based on need. Applicants must be accepted for enrollment in an accredited degree-granting institution of higher education and be either members of or eligible for membership in a recognized tribe. Applicants should contact the appropriate tribe, or for additional information contact:
  
  Michigan Agency, B.I.A.
  U.S. Dept. of Interior
  PO Box 884
  Sault Ste. Marie, Michigan 49783

• Emergency Loans (guidelines)
  
  Emergency Loans are available to enrolled students who have an unanticipated emergency arise during the academic year. Applications must be accompanied by adequate documentation of the circumstances and a clear means of repayment. Repayment is expected within 30-days. Continuing students must have a 2.0 cumulative GPA. Recipients must demonstrate financial need. Types of emergency situations for which these loans may be granted are housing evictions, utility shut-offs, transportation repairs, child care, and medical/dental emergencies. Approval of these loans is at the discretion of the Emergency Loan Committee.