U.S. Department of Education regulations require the disclosure of general information to help students and families make better-informed decisions about higher education. This page acts as a guide to sources of consumer information, University of Maryland Global Campus policies, and disclosures related to financial aid as required under the Higher Education Opportunity Act and other legislation.

Additional descriptions of available Federal, state, institutional, and outside sources of assistance, eligibility criteria, methods of disbursement, terms and conditions of loans, and employment opportunities are available in the costs and aid and financial aid sections of the UMGC website. Additional consumer disclosure information can be found in the consumer disclosures and policies section of the UMGC website.

Financial Aid Forms and Procedures

All students wishing to receive Federal or state funds must complete the Free Application for Federal Student Aid (FAFSA). Students may be asked to submit documentation such as tax returns, birth certificates, citizenship information, Social Security cards, and/or other items needed to verify financial or dependency status.

Students who do not wish to submit requested documentation will not receive a financial aid award. Students who have a completed file—meaning all requested documents have been submitted to UMGC's Office of Financial Aid (OFA)—are considered for financial aid.

The FAFSA is available online and requires use of a Federal Student Aid ID (FSA ID). OFA does not have any paper versions of the FAFSA. If you need a paper application, please contact the Department of Education directly at 800-4-FED-AID. If you are hearing-impaired and need assistance, contact the Department of Education TTY line at 800-730-8913. On your application, please include UMGC's school code: 011644.

UMGC does not require an additional application other than the FAFSA to apply for Federal or state student financial aid. However, students who want to apply for a UMGC scholarship need to complete a separate scholarship application.

Certain OFA forms must be accessed through the to-do list in your MyUMGC account. The remainder are available for download from our forms web page.

FAFSA Verification

UMGC must verify the information provided by students, parents, legal guardians, and/or spouses on the Free Application for Federal Student Aid form (FAFSA). The Department of Education requires that UMGC adhere to Federal guidelines for reviewing financial aid applications. Some student applications are selected by the Department of Education for verification. Universities also have the option of selecting students for verification.

If selected for verification, you will be required to submit additional documentation to UMGC. UMGC's Office of Financial Aid (OFA) will notify you via e-mail to log in to your MyUMGC account. Additionally, OFA will update your to-do list in your MyUMGC account with the requirements. Your MyUMGC account will describe, in real time, any information requested by UMGC Financial Aid.

After you submit documents for review, your account may display conflicting information. If this occurs, OFA will reach out to you to resolve the conflicting information by requesting additional documentation.

For more information on FAFSA verification, please review UMGC's complete FAFSA verification policy and watch Financial Aid TV.

Eligibility Requirements and Maintaining Eligibility

Financial Aid Eligibility Requirements

In order to be eligible for financial aid, UMGC requires the student to

  • Be enrolled and working toward a degree or eligible certificate/program of study

  • Possess a high school diploma or a General Education Development (GED) certificate

  • Have a valid Social Security number (SSN)

  • Not be in default or owe a refund on any Federal student aid (FSA) program from any source

  • Meet Satisfactory Academic Progress (SAP) standards

  • Be a U.S. citizen or eligible non-citizen

  • Demonstrate financial need

  • Have a completed financial aid file

Financial Aid Satisfactory Academic Progress (SAP)

UMGC's Office of Financial Aid (OFA) is required by Federal and state regulations to monitor the academic progress of all financial aid recipients. All financial aid recipients must comply with SAP policy as a condition of continued eligibility. OFA evaluates SAP annually after spring grades are posted. Students are evaluated on the basis of grade-point average, completion of attempted credits, and maximum timeframe limitation. The financial aid recipients are required to be in good standing and maintain SAP toward their degree/certificate requirements for each semester they are enrolled. Learn more about Satisfactory Academic Progress, or read the policies for undergraduate SAP and graduate SAP.

One Semester Students and Summer and Fall Graduates

Per Federal regulations, UMGC must prorate undergraduate Federal loans for any student who is only attending one semester and/or graduating in the summer or fall. This process may limit the amount you can borrow in subsidized and unsubsidized loan funding.

If you plan to graduate at the end of a summer or fall semester and have not already done so, we encourage you to contact Graduation Services and visit their graduation to-do list for instructions and information about applying to graduate. UMGC's Office of Financial Aid will be notified of your anticipated graduation date and will notify you via e-mail if any changes are made to your financial aid award.

Limited Financial Aid for Repeated Coursework

Federal financial aid regulations affect UMGC's ability to base financial aid awards on courses for which you have already received a passing grade. If you have taken and passed a course (defined as receiving a grade of ‘D' or higher), Federal financial aid will only pay for you to repeat the course one time. If you decide to repeat a successfully passed course for a second time, Federal financial aid will not cover the cost of that course.

In addition, repeated coursework that falls under these conditions cannot be included in a student's enrollment status for Title IV/Federal Student Aid (FSA) eligibility. All repeated coursework affects financial aid Satisfactory Academic Progress (SAP) calculations. Each repeated course attempt will be included in the student's completion rate and maximum timeframe determinations. Appeals cannot override these Federal regulations.

Awards affected by these regulations include the following:

  • Federal Pell Grant

  • Federal Supplemental Educational Opportunity Grant (FSEOG)

  • Direct Subsidized Loan

  • Direct Unsubsidized Loan

  • Federal Parent PLUS Loan

  • Federal Graduate PLUS Loan

  • Federal Perkins Loan

More About Repeated Coursework Regulations

  • Repeated enrollment that is not aid eligible will be excluded from the student's enrollment status for the term.

  • Federal financial aid will be recalculated based on the student's reduced enrollment status.

  • This regulation applies whether or not the student received aid for the earlier attempts in the course.

  • Repeated courses may be included if the student received an unsatisfactory or failing grade. There is no limit on the number of attempts allowable if the student does not receive a passing grade. Grades of A, B, C, D, P, and S are considered passing grades.

To learn more about financial aid requirements, please review the Satisfactory Academic Progress (SAP) page. For more information about repeated coursework, watch this Financial Aid TV video.

Examples of Repeated Courses

Example 1: A student is repeating a previously passed 3-credit course for the second time. The student is enrolled in a total of 12 credit hours for the term. Per Federal regulations, the repeated course must be excluded from the student's Title IV enrollment status. Only 9 of the student's 12 credits can be used to calculate Title IV aid eligibility. The student's Federal Pell Grant will be reduced to reflect three-quarter time instead of full-time enrollment.

Example 2: A student took Math 115 in the fall 2015 term and the spring 2016 term. Each time, the student received a grade of D. The student is currently enrolled in Math 115 for the fall 2016 term. Since the student has previously passed this course twice, the third attempt would not be eligible for financial aid. The course will not be counted in the student's total enrollment hours for Title IV/Federal student aid purposes.

Example 3: A student took Financial Decision Making for Managers (3 credits) in spring 2016 and received a C. The student would like to retake the course in the fall term. This would be the first repeat of the previously passed course. The course would be eligible for financial aid.

Cost of Attendance and Award Amounts

Cost of Attendance (COA)

UMGC estimates the Cost of Attendance (COA) and provides students with projected educational costs. The COA is used by UMGC Financial Aid to determine students' financial need and aid eligibility.

The COA consists of both direct (fixed) costs, such as tuition and fees, as well as indirect (variable) costs including books, transportation, computer, loan fees, personal expenses, and room and board. Each student's COA will vary depending on the student's academic program, actual enrolled credit load, residency, and living situation.

Award Amounts

PELL EFC determines Pell eligibility for students who have not earned a first bachelor's degree. The Federal Supplemental Educational Opportunity Grant (FSEOG) is need-based, and amounts are set at a specific dollar amount each year depending on the available funding; once funding is exhausted, no further FSEOG awards can be made. Award amounts for Federal Direct Loans are based on a combination of factors, including the student's grade level, financial need, and dependency status (with an additional check against the National Student Loan Database System).

College Financing Plan

After being admitted to UMGC and completing the FAFSA, your college financing plan will help you assess your total costs of attending UMGC. The plan presents information about costs and financial aid in a simplified format so that you can easily determine how much you may need to pay out-of-pocket to attend school, and use that information to make informed decisions. You will be able to view the plan once you have been awarded aid for the required academic year.

Leaving the University

Enrollment Changes and Return of Title IV Policy

Federal student aid is awarded with the assumption that you will be enrolled at least half-time for the semester. Any time you change your enrollment, UMGC's Office of Financial Aid must review your record and recalculate your aid. Learn how dropping classes or withdrawing can affect your financial aid.

Refund Policy

Students are notified of UMGC's refund policy in the undergraduate and graduate catalogs (electronic and print versions) and on the UMGC website. Students are notified via e-mail of changes to their aid eligibility. View academic-related withdrawal/refund information.

Exit Counseling

All Federal loan borrowers must complete exit counseling if they are enrolled less than half-time, withdrawing from all classes, or graduating. Please visit studentloans.gov to log into your account and complete this process.

Repayment Information

Learn valuable information about repaying your loans by viewing student loan debt management.

Student Rights and Responsibilities


A student who receives financial aid has the right to

  • Know how financial need was determined

  • Know how financial aid will be disbursed

  • Request an explanation of offered aid in the financial aid package

  • Refuse any aid offered

  • Request an explanation of UMGC's refund policy

  • Know what portion of financial aid must be repaid and what portion is a grant. If a loan has been offered and accepted, the student has the right to know the interest rate and loan repayment options and procedures

  • Examine the contents of aid records, provided a written request is made to UMGC's Office of Financial Aid in accordance with UMGC's Policy on Disclosure of Student Records.


A student who receives financial aid has the responsibility and is required to

  • Complete all requested forms accurately

  • Use all financial aid received solely for expenses related to attending UMGC

  • Submit in a timely manner all additional documentation requested by the Office of Financial Aid

  • Enroll for at least 6 credit (applies to loan programs)

  • Understand the rules and conditions for any financial aid awards received

  • Complete a Master Promissory Note (MPN) and entrance interview the first time a loan is received at UMGC, while enrolled at least half-time

  • Reapply for financial aid each award year before the published deadlines

  • Inform the university promptly of changes in name, address, or e-mail address

Student Loan Program Code of Conduct

UMGC's Student Loan Program Code of Conduct was adopted to ensure uniform student loan practices focusing on the best interest of student borrowers. The Student Loan Code of Conduct restrictions are defined to avoid any potential conflict of interest in the student financial aid process among school employees, lending institutions, and students and students' parents, legal guardians, and/or spouses. They include the following:

  • Revenue sharing prohibition: UMGC will not receive anything of value from any lending institution in exchange for an advantage sought by the lending institution.

  • Gift ban: UMGC employees with responsibility for financial aid work will not solicit or accept any gift from a lender, guarantor or servicer. A "gift" is defined as any gratuity, favor, discount, entertainment, hospitality, loan, or other item having a monetary value of more than a small amount.

  • Advisory board compensation rules: UMGC employees with financial aid responsibility will not accept anything of value for serving on the advisory board of any lending institution.

  • Opportunity pools: UMGC will not request or accept from any lender any offer of funds to be used for private education loans, including funds for an opportunity pool loan, in exchange for UMGC providing concessions or promises of a specified number or volume of Title IV loans, or a preferred lender arrangement for Title IV loans.

  • Contract arrangement prohibition: UMGC employees, officers and agents with educational loan responsibilities will not accept any fee, payment or other financial benefit (including the opportunity to purchase stock) from a lender as compensation for any type of consulting arrangement or other contract to provide services to a lender or on behalf of a lender relating to education loans.

  • Staffing assistance ban: UMGC will not request or accept assistance from any lender to staff a call center or financial aid office.

  • Loan certification: UMGC employees will not refuse to certify or delay loan certification based on the borrower's selection of a particular lender or guarantor.

  • Assigning lenders: UMGC employees will not assign first-time borrowers to a particular lender.

  • Preferred lender guidelines/disclosures: UMGC will not use a Preferred Lender List. Students will be told that they have the right and responsibility to select the lender of their choice.

Filing a Complaint

Learn how to file a complaint against UMGC.

Cohort Default Rate

As of September 2021, UMGC's three-year cohort default rate is 4.4 percent. The national cohort default rate is 7.0 percent. The percentage of students that borrowed during the 2020-2021 aid year was 18.07 percent.

Family Educational Rights and Privacy Act (FERPA)

The Family Educational Rights and Privacy Act of 1974 (FERPA), also known as the Buckley Amendment, was created to protect the privacy of students. FERPA affords students certain rights with respect to their educational records, including, but not limited to,

  • The right to inspect and review their records

  • The right to request changes to information the student believes to be inaccurate or misleading

  • The right to consent to disclosure of personally identifiable information

  • The right to prevent disclosure of directory information

  • The right to file a complaint with the U.S. Department of Education concerning FERPA violations

Visit FERPA for detailed information about these rights.

Methods of Providing Consumer Information

UMGC Financial Aid provides information through various channels, including publications such as the university's financial aid brochure, website, MyUMGC, e-mails, and catalogs (electronic and print). UMGC Financial Aid e-mails a variety of important information to students via their primary e-mail addresses; we use e-mail as the primary means for contacting students. UMGC Financial Aid uses MyUMGC and this website to notify students of any targeted or general announcements. Students can find other consumer information topics in consumer disclosures.


View the glossary of financial aid terms at UMGC.

More About Financial Aid Policies

Learn about your eligibility for financial aid if you take a course at another university.

Learn how this Federal educational rights legislation protects your privacy.

Learn about meeting SAP requirements at UMGC to remain eligible for financial aid.

Request an appeal if you have financial circumstances not reflected on your FAFSA.