Spartan Central

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There are many types of financial aid available to UNC Greensboro students looking for assistance with the costs of college. Aid can come from a variety of sources that may or may not require a FAFSA. UNCG recommends that all students file a FAFSA every year to maximize their eligibility for the most types of aid.

Federal student loans

Requires a FAFSA each year.

There are several types of federal loans available. Based on the student’s FAFSA report, the Office of Financial Aid and Scholarships determines the student’s eligibility including which type(s) of loans and maximum amounts. 

  • All requests for student loans must be made by three weeks before the end of the term.
  • You must notify the Office of Financial Aid and Scholarships using the appropriate form if any changes need to be made to your loans after they have been web accepted.

Federal direct student loans
(subsidized and unsubsidized)

YouTube video

The Federal Direct Student Loan Program includes subsidized and unsubsidized loans. 

  • Subsidized loans are awarded based on demonstrated financial need. Interest on these loans is paid by the federal government as long as a student is enrolled at least half time at the university. Six months after leaving school, interest will begin accruing on the loan. 
  • Unsubsidized loans are awarded regardless of demonstrated financial need. Interest begins accruing on unsubsidized loans immediately after they are disbursed. Students may wish to make interest payments while in school to avoid capitalization of interest.

Loan repayment may be deferred while a student is enrolled at least half-time (6 credit hours). After leaving school or dropping below half time for six months, the student must begin repayment.To view the current interest rates and fees visit the

Loan limits

There are mandatory restrictions on the maximum yearly loans (annual loan limits) and lifetime loan amounts (aggregate loan limits) depending on the student’s situation.

Dependent undergraduate students who are enrolled as regular students in eligible programs may be able to borrow up to the maximum based on the chart below:

Freshman YearSophomore YearJunior or Senior YearLifetime Max
Max. Subsidized Loan Amount$3,500$4,500$5,500$23,000
Max. Total Loan Amount$5,500$6,500$7,500$31,000

Independent undergraduate students (and dependent students whose parents have been denied access to a Federal PLUS Loan) who are enrolled as regular students in eligible programs may be able to borrow up to the maximum based on the chart below:

Freshman YearSophomore YearJunior or Senior YearLifetime Max
Max. Subsidized Loan Amount$3,500$4,500$5,500$23,000
Max. Total Loan Amount$9,500$10,500$12,500$57,500

Graduate students are generally allowed to borrow up to the maximum based on the chart below. (Graduate students are not eligible for subsidized loans.)

Single YearLifetime Max
Max. Subsidized Loan Amountn/an/a
Max. Total Loan Amount$20,500$138,500
First time borrowers

Entrance Counseling and the completion of a Master Promissory Note is required for all students borrowing Federal Direct Loans for the first time.  Both the Entrance Counseling and the Master Promissory Note can be completed at

Students withdrawing, graduation, or dropping to less than half-time

Students who accept Federal Direct Student Loans must complete an online exit counseling session when withdrawing, graduating, or dropping below half-time attendance. This includes students transferring to another school. 

Completing Exit Counseling will not begin the repayment process – it is an informational module about the process. If a student does not complete Exit Counseling, it can prevent the disbursement of future aid.

Counseling is completed on and is designed to help students manage the loan repayment process and understand their rights and responsibilities as a student loan borrower. 

HINT: Students must complete the entire session in one sitting. As part of the session, students will be asked to provide their driver’s license number (if issued), addresses and phone numbers for next of kin, two references who live in the United States, and future employer (if known).

More information is available here.

Federal Direct PLUS Loans

For parents

Federal Direct PLUS loans are federally sponsored loans that parents can obtain to help pay the cost of education for their dependent undergraduate children. PLUS loans feature low interest rates and long-term repayment options. Parent PLUS Loans require a separate application. See “How to Apply for Aid” for more information.

  • There are no income requirements, but the student must have a completed FAFSA and the parent must pass a credit check. 
  • If a parent is denied for the PLUS loan, there is an option through which the dependent student can receive the independent student loan amounts.
  • To view the current interest rates and fees visit the

Parents may be approved to borrow up to the cost of attendance less any other aid received by the student annually. They may always opt to borrow less than the maximum eligible amount.

For graduate students

Federal Direct Graduate PLUS loans are federally sponsored loans available to graduate students who wish to borrow beyond their annual or lifetime limit under the Federal Student Loan program. Graduate PLUS loans feature low interest rates and long-term repayment options. Graduate PLUS Loans require a separate application. See “How to Apply for Aid” for more information.

  • There are no income requirements, but students must have a completed FAFSA and pass a credit check. 
  • Student must first apply for all federal student loan eligibility before a Graduate PLUS loan can be awarded.
  • To view the current interest rates and fees visit the

Graduate students may be approved to borrow up to the cost of attendance less any other aid received by the student annually.

Federal grants

Requires a FAFSA each year.

Federal grants, unlike loans, are sources of free money that generally do not have to be repaid. Most grants are awarded to students who demonstrate financial need based on their FAFSA. The FAFSA must be completed each year to verify continued eligibility for grants. More detailed information about federal grants is available on the Federal Student Aid website.

Types of grants

Federal Pell Grants

Awarded on the basis of financial need to citizens or eligible non-citizens enrolled at the undergraduate level, who have no prior bachelor’s degree. There is a maximum of 12 full time semesters of eligibility. Must file FAFSA.

Federal Supplemental Educational Opportunity Grant (SEOG)

Awarded on the basis of financial need to full-time undergraduate students, who have no prior bachelor’s degree. Must file FAFSA. (Priority given to those who file before the FAFSA priority date.)

Federal Teacher Education Assistance for College and Higher Education Grant Program (TEACH Grant)

TEACH is a forgivable loan program available to undergraduate and graduate students seeking their degrees to teach in a high need field and at a Title I school

To be eligible for a TEACH Grant, students must: 

  • Complete a FAFSA
  • Enroll in one of UNCG’s TEACH eligible programs
  • Be admitted to the Teacher’s Academy
  • Meet certain academic requirements (generally, scoring above the 75th percentile on one or more portions of a college admissions test or maintaining a cumulative GPA of at least 3.25)
  • Complete annual TEACH Grant counseling and sign a TEACH Grant Agreement to Serve

Grant limits

Students can receive a maximum of $4000 per academic year. (The actual amount may vary from year to year.) 

  • Undergraduate students can receive a maximum cumulative total of $16,000.
  • Graduate students can receive a maximum cumulative total of $8,000. 

Note: In order for a TEACH Grant to remain a grant and not convert to a Direct Unsubsidized Loan, a student must teach for four years in a high need subject at a Title I school.

Eligible UNCG degrees
  • B-12/Hard of Hearing Teacher Lic BS
  • Biology Education BA
  • Biology Education BS
  • Chemistry Education BA
  • Chemistry Education BS
  • Comprehensive Science Ed MAT
  • Elementary Ed/Special Ed: Dual Major BS
  • English 2nd Language Ed MAT
  • French Education BA
  • French Education MAT
  • Integrated Science/Secondary Science Tch Licensure BA
  • Latin Education BA
  • Mathematics Education BA
  • Mathematics Education BS
  • Mathematics Education: Applied Math BS
  • Mathematics Education: Computer Science BS
  • Mathematics Education: Pure Math BS
  • Mathematics Education: Statistics BS
  • Middle Grade Ed (Mathematics) MAT
  • Middle Grade Ed (Science) MAT
  • Middle Grades Mathematics BS
  • Middle Grades Science BS
  • Physics Education BA
  • Physics Education BS
  • Spanish Education BA
  • Spanish Education MAT
  • Special Education: General Curriculum BS

State grants and scholarships

Requires a FAFSA each year.

North Carolina offers several grants and scholarship programs specifically to state residents. Other states have similar programs and out-of-state students are encouraged to research options in their home states.

Students must file a FAFSA to be considered for state-funded grants. Most grants require demonstrated financial need and a new FAFSA filed annually to demonstrate continued eligibility.

YouTube video
List of grant programs for NC residents
Aubrey Lee Brooks ScholarshipAwarded on the basis of academic achievement and financial need to full-time, incoming first-year students. Applications should be made through the Aubrey Lee Brooks Foundation and applicants must file a FAFSA. See the CFNC website for additional details.
Forgivable Education Loans for Service Program (FELS)Awarded on the basis of academic achievement to NC residents. Students are required to meet the Satisfactory Academic Progress Policy and be willing to work in NC in a designated critical employment area. For additional details.
Golden Leaf ScholarshipAwarded on the basis of financial need to undergraduate students, enrolled full-time, who are enrolled at a participating NC public university. See CFNC website for additional information. File a FAFSA.
Incentive For Native AmericansAwarded to Native American students who are enrolled full-time. Contact the Office of Financial Aid and Scholarships for list of additional requirements and application.
Transforming Principal Preparation ProgramAwarded to graduate students who are enrolled full-time and who are NC residents, and who are studying School Administration. For additional information.
NC ReachProvides funding to college students who aged out of North Carolina public foster care or whose adoption from North Carolina public foster care was finalized on or after their 12th birthday. To apply for this program, please visit Additional information may be obtained by calling the NC Reach team at (800) 585-6112, or by clicking the “Contact Us” on the NC Reach homepage.

A full listing plus more detailed information concerning each of these funds is available through the College Foundation of North Carolina.

Federal Work-Study

Requires a FAFSA each year.

Federal Work-Study may be offered to undergraduate students as part of the total financial aid package. A very limited amount of funds are available for this program each year, so students interested in obtaining Federal Work-Study should file their FAFSA as early as possible.

Note: The Office of Financial Aid and Scholarships will cancel your Federal Work-Study Award if you do not accept it within four weeks of receiving your award. 

Students who want  Federal Work-Study, but were not awarded, should contact the Office of Financial Aid and Scholarships to have their eligibility reviewed. If eligible, they can be placed on a wait list to be awarded if funds become available.

Finding a work-study job

Students awarded work-study must find their own work-study job. The easiest way to do this is through UNCG’s Handshake application which lists available work-study positions. 

Jobs are available at approved on- and off-campus sites and include positions like:

  • Community Resource Specialist
  • Tutor
  • Public Relations Assistant
  • Marketing Assistant
  • Child Care Assistant
  • Art Gallery Assistant
  • Fitness Assistant
  • Museum Floor Assistant
  • Referral Specialist
  • Youth Sports
  • Social Work
  • Grant Writer

After accepting a position, students must complete employment forms before starting work. These include an I-9 (available through Career & Professional Development), and a W-4 and NC-4 (available through the hiring department/organization). 

Work schedules

Work-study positions usually require a commitment of at least one full semester. Students work with their supervisor to establish a regular schedule of about 8-12 hours per week that accommodates their class commitments. 

During the semester, students typically begin work each semester during the first full week of classes and stop work on the last day of classes. 

Performance expectations

Students are expected to meet all expectations of their supervisors in their work-study roles. Professional behavior and communication are expected at all times. Students who are terminated from a Federal Work-Study position may lose their Federal Work-Study award for the remainder of the year.

Wages and paychecks

Students can earn wages through their work-study job up to a maximum dollar amount that’s indicated in the official financial aid package. Hourly pay rate varies depending on the position and student’s previous experience. 

Work-study paychecks are issued once a month at the end of the month. Pay periods run from the 11th day of one month to the 10th day of the next month. 

NOTE: Work-study students must sign up for direct deposit by submitting a direct deposit form to the Payroll Office or Career & Professional Development.  

UNCG scholarships

Most require a FAFSA each year.

In general, all institutional scholarships require that students be accepted to or enrolled in a degree or certificate program at UNCG. Students must also meet eligibility requirements as set forth in the Satisfactory Academic Progress Policy for Financial Aid Eligibility.

Freshman and transfer scholarships

Fall freshman applicants are automatically considered for a limited number of scholarships when they apply by the priority deadline. Merit-based and need-based awards are available.

The Guarantee Scholars Program is a unique program for high achieving students with limited means. For additional information and to apply, visit

Continuing student scholarships

Current UNCG students can apply online for scholarships through the Spartan Scholarship System (S3). This portal automatically matches students with scholarships for which they may be eligible.

To get started, visit the S3 site ( and sign in using UNCG credentials. Some funds require a separate application from the academic department selecting the scholarship recipients. 

The scholarship application for the 2021-2022 academic year is closed. Decisions have been made and selected students have been notified by email. Please visit this site again in January to apply for 2022-2023 scholarships.

Outside Scholarships

May require a FAFSA each year.

There are plenty of options for scholarships and contributions outside of the federal, state, and institutional opportunities awarded by the Office of Financial Aid and Scholarships. Students who receive funds or goods (such as a laptop) from an outside entity must notify the Office of Financial Aid and Scholarships.

How to report outside funds and goods
  •  Students should submit scholarship checks and copies of award letters directly to the Office of Financial Aid and Scholarships as soon as possible after receipt.
  • If the check has been made payable or co-payable to the student, the student should endorse the back of the check before submitting it to the Office of Financial Aid and Scholarships.
  • The student’s full legal name and UNCG ID number should be listed on all correspondence.

How outside funds are processed

Outside scholarship checks sent to UNCG will be processed first by the Office of Financial Aid and Scholarships, then they will be forwarded to the Cashiers Office to be applied towards the student bill. If donors do not provide written instructions to the contrary, scholarship checks will be divided equally between the fall and spring semesters. If donors require a billing statement or invoice, students can use their billing statement from the Student Account Center. 

Potential impact to other financial aid

A student’s total financial aid package (including outside scholarships) cannot exceed their Estimated Cost of Attendance for the academic year. Students who report outside scholarships after their initial financial aid package is released may find that their aid award must be adjusted. In some cases, an outside scholarship may reduce the student loan amount or alter the student loan type (e.g. subsidized versus unsubsidized) that a student is eligible to receive. Students can view their revised financial aid award via UNCGenie.

Reputable outside scholarship sources

Students seeking additional scholarship funding should consider reputable sources and never pay a fee to be considered for a scholarship. A few reputable sources that offer scholarship search listings include: 

Air Force and Army ROTC Scholarships (available to undergraduate students participating in ROTC) are considered Outside Scholarships. 

Private Loans

Does not require a FAFSA.

Private education loans (sometimes called alternative loans) are credit-based loans offered by private lenders to help students bridge the gap between the cost of attendance and the amount of federal, state, and institutional aid that is awarded. 

Private loans often require a good credit history and/or a co-signer with a good credit history.  These loans are usually more costly than federal education loans with interest rates and repayment terms that usually are not as advantageous to the borrower.

UNCG strongly encourages all students to complete the FAFSA and wait to receive their award from Financial Aid before applying for an alternative loan. Federal loans end up costing less than private loans and should be the first option to consider when borrowing money to finance an education.  

The Office of Financial Aid and Scholarships will certify an alternative education loan from the lender of your choice if the loan’s eligibility requirements are met. Please note: the maximum alternative loan amount that can be certified is the Cost of Attendance minus any other financial aid received.

Emergency Aid

UNCG has resources available to assist students who have an urgent need for emergency financial assistance. These aid resources are for true emergencies and not to be used for typical institutional expenses including tuition and fees.

Emergency Loans

An Emergency Loan is a short-term loan granted by the Office of Financial Aid and Scholarships to students who need assistance in covering expenses that result from unforeseen situations. Students can apply for an Emergency Loan through UNCGenie under the Financial Aid tab. The application opens at the start of each semester. 

Students may not take out more than one Emergency Loan per semester.

Emergency Loans must be paid back in 30 days or by the end of the current semester, whichever is closer. Students may repay with pending financial aid or Veteran’s Benefits for the current term, or from their employment (must provide a current paystub).

Student Assistance Fund for Emergencies (SAFE)

The SAFE fund is a non-cash emergency fund set up to provide one-time emergency assistance to current UNCG students. This fund is managed through UNCG Student Affairs and more information can be found on the SAFE web page

Spartan Open Pantry

The Spartan Open Pantry is a food pantry for students and staff in need of assistance. They also offer mini-pantries in different locations on campus, a clothing pantry, and hot meals weekly during the semester.