{"id":673,"date":"2026-07-15T09:26:56","date_gmt":"2026-07-15T13:26:56","guid":{"rendered":"https:\/\/cms.web.umflint.edu\/finaid\/?page_id=673"},"modified":"2026-08-03T11:32:01","modified_gmt":"2026-08-03T15:32:01","slug":"how-your-aid-is-determined","status":"publish","type":"page","link":"https:\/\/www.umflint.edu\/finaid\/how-your-aid-is-determined\/","title":{"rendered":"How Your Aid is Determined"},"content":{"rendered":"\n<div class=\"wp-block-cover fb-cover-text-box wp-duotone-black-and-white\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;min-height:100%;aspect-ratio:unset;\"><img decoding=\"async\" class=\"wp-block-cover__image-background\" alt=\"\" src=\"https:\/\/www.umflint.edu\/finaid\/wp-content\/themes\/flintblock\/assets\/images\/sidewalk-art.jpg\" style=\"object-position:50% 95%\" data-object-fit=\"cover\" data-object-position=\"50% 95%\"\/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim-90 has-background-dim wp-block-cover__gradient-background has-background-gradient has-blue-gradient-gradient-background\"><\/span><div class=\"wp-block-cover__inner-container has-global-padding is-layout-constrained wp-container-core-cover-is-layout-15d3db16 wp-block-cover-is-layout-constrained\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--70);padding-right:var(--wp--preset--spacing--70);padding-bottom:var(--wp--preset--spacing--70);padding-left:var(--wp--preset--spacing--70)\">\n<h1 class=\"wp-block-heading has-brand-white-color has-text-color has-link-color has-xx-large-font-size wp-elements-7173410c5faa86f7f17e3c366b515691\">How Your Aid is Determined<\/h1>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-brand-maize-background-color has-background wp-element-button\" href=\"https:\/\/www.umflint.edu\/NetPriceCalculator.html\">Financial Aid Calculator<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-brand-maize-background-color has-background wp-element-button\" href=\"https:\/\/studentaid.gov\/\">FAFSA<\/a><\/div>\n\n\n\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-brand-maize-background-color has-background wp-element-button\" href=\"https:\/\/book.appointment-plus.com\/cn21mygm\/#\/\">Book an Appointment<\/a><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--70)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-0e47273b wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\"><nav class=\"is-responsive is-vertical is-style-sidebar is-style-sidebar--1 wp-block-navigation is-layout-flex wp-container-core-navigation-is-layout-bd946717 wp-block-navigation-is-layout-flex\" aria-label=\"Sidebar Navigation\" \n\t\t data-wp-interactive=\"core\/navigation\" data-wp-context='{\"overlayOpenedBy\":{\"click\":false,\"hover\":false,\"focus\":false},\"type\":\"overlay\",\"roleAttribute\":\"\",\"ariaLabel\":\"Menu\"}'><button aria-haspopup=\"dialog\" aria-label=\"Open menu\" class=\"wp-block-navigation__responsive-container-open\" \n\t\t\t\tdata-wp-on--click=\"actions.openMenuOnClick\"\n\t\t\t\tdata-wp-on--keydown=\"actions.handleMenuKeydown\"\n\t\t\t><svg width=\"24\" height=\"24\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 24 24\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M4 7.5h16v1.5H4z\"><\/path><path d=\"M4 15h16v1.5H4z\"><\/path><\/svg><\/button>\n\t\t\t\t<div class=\"wp-block-navigation__responsive-container\"  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{ &quot;click&quot;: false, &quot;hover&quot;: false, &quot;focus&quot;: false }, &quot;type&quot;: &quot;submenu&quot;, &quot;modal&quot;: null, &quot;previousFocus&quot;: null }\" data-wp-interactive=\"core\/navigation\" data-wp-on--focusout=\"actions.handleMenuFocusout\" data-wp-on--keydown=\"actions.handleMenuKeydown\" data-wp-on--pointerenter=\"actions.openMenuOnHover\" data-wp-on--pointerleave=\"actions.closeMenuOnHover\" data-wp-watch=\"callbacks.initMenu\" tabindex=\"-1\" class=\"wp-block-navigation-item has-child open-on-hover-click wp-block-navigation-submenu\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/www.umflint.edu\/finaid\/types-of-aid\/\"><span class=\"wp-block-navigation-item__label\">Types of Financial Aid<\/span><\/a><button data-wp-bind--aria-expanded=\"state.isMenuOpen\" data-wp-on--click=\"actions.toggleMenuOnClick\" aria-label=\"Types of Financial Aid submenu\" class=\"wp-block-navigation__submenu-icon wp-block-navigation-submenu__toggle\" ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M1.50002 4L6.00002 8L10.5 4\" stroke-width=\"1.5\"><\/path><\/svg><\/button><ul data-wp-on--focus=\"actions.openMenuOnFocus\" class=\"wp-block-navigation__submenu-container wp-block-navigation-submenu\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/types-of-aid\/grants\/\"><span class=\"wp-block-navigation-item__label\">Grants<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/types-of-aid\/loans\/\"><span class=\"wp-block-navigation-item__label\">Loans<\/span><\/a><\/li><li data-wp-context=\"{ &quot;submenuOpenedBy&quot;: { &quot;click&quot;: false, &quot;hover&quot;: false, &quot;focus&quot;: false }, &quot;type&quot;: &quot;submenu&quot;, &quot;modal&quot;: null, &quot;previousFocus&quot;: null }\" data-wp-interactive=\"core\/navigation\" data-wp-on--focusout=\"actions.handleMenuFocusout\" data-wp-on--keydown=\"actions.handleMenuKeydown\" data-wp-on--pointerenter=\"actions.openMenuOnHover\" data-wp-on--pointerleave=\"actions.closeMenuOnHover\" data-wp-watch=\"callbacks.initMenu\" tabindex=\"-1\" class=\"wp-block-navigation-item has-child open-on-hover-click wp-block-navigation-submenu\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/www.umflint.edu\/finaid\/types-of-aid\/scholarships\/\"><span class=\"wp-block-navigation-item__label\">Scholarships<\/span><\/a><button data-wp-bind--aria-expanded=\"state.isMenuOpen\" data-wp-on--click=\"actions.toggleMenuOnClick\" aria-label=\"Scholarships submenu\" class=\"wp-block-navigation__submenu-icon wp-block-navigation-submenu__toggle\" ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M1.50002 4L6.00002 8L10.5 4\" stroke-width=\"1.5\"><\/path><\/svg><\/button><ul data-wp-on--focus=\"actions.openMenuOnFocus\" class=\"wp-block-navigation__submenu-container wp-block-navigation-submenu\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/types-of-aid\/scholarships\/perlman-fund\/\"><span class=\"wp-block-navigation-item__label\">Perlman Fund<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/types-of-aid\/scholarships\/swartz-creek-womens-club\/\"><span class=\"wp-block-navigation-item__label\">Swartz Creek Women\u2019s Club<\/span><\/a><\/li><\/ul><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/types-of-aid\/work-study\/\"><span class=\"wp-block-navigation-item__label\">Work-Study<\/span><\/a><\/li><\/ul><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/how-your-aid-is-determined\/\"><span class=\"wp-block-navigation-item__label\">How Your Aid is Determined<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/resources\/applying-for-aid\/\"><span class=\"wp-block-navigation-item__label\">Applying for Aid<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/accepting-aid\/\"><span class=\"wp-block-navigation-item__label\">Accepting Aid<\/span><\/a><\/li><li data-wp-context=\"{ &quot;submenuOpenedBy&quot;: { &quot;click&quot;: false, &quot;hover&quot;: false, &quot;focus&quot;: false }, &quot;type&quot;: &quot;submenu&quot;, &quot;modal&quot;: null, &quot;previousFocus&quot;: null }\" data-wp-interactive=\"core\/navigation\" data-wp-on--focusout=\"actions.handleMenuFocusout\" data-wp-on--keydown=\"actions.handleMenuKeydown\" data-wp-on--pointerenter=\"actions.openMenuOnHover\" data-wp-on--pointerleave=\"actions.closeMenuOnHover\" data-wp-watch=\"callbacks.initMenu\" tabindex=\"-1\" class=\"wp-block-navigation-item has-child open-on-hover-click wp-block-navigation-submenu\"><a class=\"wp-block-navigation-item__content\" href=\"https:\/\/www.umflint.edu\/finaid\/resources\/\"><span class=\"wp-block-navigation-item__label\">Resources<\/span><\/a><button data-wp-bind--aria-expanded=\"state.isMenuOpen\" data-wp-on--click=\"actions.toggleMenuOnClick\" aria-label=\"Resources submenu\" class=\"wp-block-navigation__submenu-icon wp-block-navigation-submenu__toggle\" ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" viewBox=\"0 0 12 12\" fill=\"none\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M1.50002 4L6.00002 8L10.5 4\" stroke-width=\"1.5\"><\/path><\/svg><\/button><ul data-wp-on--focus=\"actions.openMenuOnFocus\" class=\"wp-block-navigation__submenu-container wp-block-navigation-submenu\"><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/resources\/required-reading\/\"><span class=\"wp-block-navigation-item__label\">Required Reading<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/glossary\/\"><span class=\"wp-block-navigation-item__label\">Glossary of Financial Aid Terms<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/resources\/sap\/\"><span class=\"wp-block-navigation-item__label\">Satisfactory Academic Progress Policy<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/resources\/tutorials\/\"><span class=\"wp-block-navigation-item__label\">Tutorials<\/span><\/a><\/li><\/ul><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/consumer-information\/\"><span class=\"wp-block-navigation-item__label\">Consumer Information<\/span><\/a><\/li><li class=\"wp-block-navigation-item wp-block-navigation-link\"><a class=\"wp-block-navigation-item__content\"  href=\"https:\/\/www.umflint.edu\/finaid\/contact-us\/\"><span class=\"wp-block-navigation-item__label\">Contact Us<\/span><\/a><\/li><\/ul>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/nav><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:75%\">\n\n\n<h2 class=\"wp-block-heading has-x-large-font-size\">Your Personal Financial Aid Offer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Understanding how your financial aid is calculated and offered to your account is important. Your financial aid is based on your Free Application for Student Aid results as well as your \u201ccost of attendance,\u201d which is estimated based on your tuition and fees, housing, transportation, and other expenses.<br><br>Financial aid programs were created with the idea that the primary responsibility for paying college costs rests with the student and their family. Need-based financial aid is available to families who demonstrate a need for additional resources to help pay college costs.<\/p>\n\n\n\n<p class=\"has-text-alternate-background-color has-background wp-block-paragraph\">The formula used to determine whether a student is eligible for need-based aid is: <br><strong>Cost of Attendance (Budget)<\/strong><em><strong><br><\/strong><\/em><strong>\u2013&nbsp;<\/strong>Student Aid Index (SAI<strong><br>\u2013<\/strong>&nbsp;Scholarships\/Other Resources (Sponsored Tuition Payments, Book Vouchers, etc.)<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-brand-blue-color has-alpha-channel-opacity has-brand-blue-background-color has-background is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--0);margin-bottom:var(--wp--preset--spacing--0)\"\/>\n\n\n\n<p class=\"has-text-alternate-background-color has-background wp-block-paragraph\"><strong>= Need for Aid<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Information on the budget and SAI can be found on the Offer screen on&nbsp;<a href=\"http:\/\/sis.umflint.edu\/\" target=\"_blank\" rel=\"noreferrer noopener\">Student Information System (SIS)<\/a>&nbsp;(see Finding the Information You Need on SIS for assistance). Components of the budget can also be seen on the How Much You Will Need to Pay or Borrow section.<br><br>Your financial aid offer is based on the following factors that determine financial need:<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-x-large-font-size\">Cost of Attendance<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The budget on&nbsp;<a href=\"http:\/\/sis.umflint.edu\/\" target=\"_blank\" rel=\"noreferrer noopener\">SIS<\/a>&nbsp;represents a reasonable estimate of the cost of attending UM-Flint. Please note, the budget has different amounts for room and board depending on whether you live on your own, are living with your parents, or living in student housing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-x-large-font-size\">Student Aid Index<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The&nbsp;<a href=\"https:\/\/studentaid.gov\/help-center\/answers\/article\/what-is-sai\" target=\"_blank\" rel=\"noreferrer noopener\">Student Aid Index<\/a>&nbsp;is an eligibility index number that the financial office will use to determine how much Federal student aid you will be eligible to receive. This number is not a dollar amount of aid eligibility or what you and\/or family is expected to pay to attend. The SAI is calculated using the financial information that you and your contributor(s) provided on your FAFSA.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-large-font-size\">SAI Formula for Dependent Students:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Parents\u2019 Contribution from Income + Parents\u2019 Contribution from Assets + Student\u2019s Contribution from Income + Student\u2019s Contribution from Assets<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-large-font-size\">SAI Formula for Independent Students:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Student\u2019s Contribution from Income + Student\u2019s Contribution from Assets<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your SAI will be included on your FAFSA Financial Summary.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-x-large-font-size\">Scholarships\/Other Resources<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Students are encouraged to seek scholarships from private sources and UM-Flint and utilize other resources such as sponsored tuition payments and veterans\u2019 benefits. Federal regulations and university policies require that these forms of assistance be counted as financial resources when determining eligibility for need-based Title IV financial aid; however, some federal veterans\u2019 educational benefits are excluded. These scholarships and other resources will first meet any gap between the budget, the SAI, and the financial aid offered. Next, they will reduce the amount of loan or work-study offered. Only if scholarships or other resources have replaced all loans and work-study will the amount of grant\/scholarship aid be reduced.<\/p>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Your Personal Financial Aid Offer Understanding how your financial aid is calculated and offered to your account is important. Your financial aid is based on your Free Application for Student Aid results as well as your \u201ccost of attendance,\u201d which is estimated based on your tuition and fees, housing, transportation, and other expenses. Financial aid [&hellip;]<\/p>\n","protected":false},"author":24,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-673","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/pages\/673","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/comments?post=673"}],"version-history":[{"count":8,"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/pages\/673\/revisions"}],"predecessor-version":[{"id":975,"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/pages\/673\/revisions\/975"}],"wp:attachment":[{"href":"https:\/\/www.umflint.edu\/finaid\/wp-json\/wp\/v2\/media?parent=673"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}