Applying for Aid

Step 1
Fill out the FAFSA

Step 2
Notification of Award

Step 3
Acceptance of Award

Step 4
Fund Remaining Balance

Step 5
Disbursement of Funds

Fill out the FAFSA and Determine Financial Award

You must meet certain eligibility requirements for financial aid. Please review your eligibility status prior to filing your FAFSA.

The FAFSA determines your eligibility for all federal student aid programs and all need-based UNE funds and must be filed annually. The FAFSA is filed electronically and must include UNE’s Institution Code, which is 002050.

Completing and submitting your FAFSA requires that you apply for a PIN from the Department of Education. If your parents are providing their own information on your application, they will need to obtain their own PIN.

You may complete the FAFSA before filing your taxes using estimated figures. However, you will need to update your FAFSA once your taxes are complete; the Data Retrieval Tool (DRT) may be used to update your information roughly two weeks after you have filed your tax forms.​

Determining Dependency Status

Your financial aid is awarded based on your dependency status as determined by the federal government. Based on answers provided on your FAFSA about age, degree plan, marital status, etc., dependency status will be determined and aid awarded accordingly.

Determining Financial Need and Award

After submitting your application, you’ll receive your Electronic Student Aid Report (SAR). The SAR summarizes your data and provides your Expected Family Contribution (EFC). Your EFC is computed using a formula called "Federal Methodology," which estimates the financial contribution you and your family can make over time. This is not necessarily, though, the amount you will actually pay. Your EFC is determined by your family’s income and assets (excluding the value of your primary home) and the number of people in your household attending college.

Also considered is your Cost of Attendance (COA): the estimated expenses you will incur that the Financial Aid Office can recognize. Charges that appear on your bill are direct costs and include tuition, mandatory fees, and room and board. Indirect costs are factored into the COA but are not charged to your bill. These include allotments for books and supplies, transportation and other miscellaneous expenses.

Notification of Award

Upon electronic receipt of your FAFSA and acceptance into an eligible degree program, UNE will determine your award eligibility.

If you are a new student to UNE, you will receive your financial aid award letter in the mail; if you are a returning UNE student, you can expect a UNE email notification that your financial aid award is available to view. 

If your information is incomplete, you may be required to file corrections before your application can be processed. Corrections can be made by updating your FAFSA . 

If you are selected for verification, a process by which UNE is required to review federally selected students for accuracy of FAFSA data, you will not receive a finalized financial award until your FAFSA data has been verified. You will be notified of verification, other outstanding requirements and important financial aid information through UNE email and your U-Online account (UNE’s student portal). We have provided simple instructions to help you determine any outstanding requirements needing completion. It is very important to provide requested documents as fast as possible to avoid delay in your award.

Acceptance of Award

When you receive your final award letter, you must log into U-Online to first accept the terms and conditions and then accept or decline any offered aid. Any gift aid is automatically applied to your bill.

It is your responsibility to notify us of all financial assistance you will receive from outside sources like private scholarships, tuition waivers and certain veteran’s educational benefits. Federal regulations require that we consider all other tuition assistance before we calculate the financial aid award UNE can offer you.

You will receive important financial information through UNE email and your U-Online account.  We have provided simple instructions to help you access these accounts and to accept your financial aid award.

If you wish to permit Student Financial Services staff to engage in any kind of conversation (i.e. in person, phone or email) regarding your account and financial aid, you will need to complete an “Authorization for Release of Information.” This requirement on your U-Online account only applies if you are authorizing others to speak with us. Choosing not to complete this form will not affect your financial aid.

Fund Remaining Balance 

The financial aid you are awarded may not cover all of your direct costs. In that event, a balance will be due. Here are a few suggestions to help fund the remaining balance.


An effective way to reduce student loan borrowing is to access as many scholarships as possible. We strongly urge you to diligently research available scholarships and to take advantage of as many as you can every year you are in school. Great resources for finding scholarships include guidance counselors, parents’ employers, local organizations and banks. Also, we've developed a comprehensive list of the best scholarship search engines and tools on our Money Matters page.

Past Earnings

If you have a plan in place to help pay for college, we recommend you use those funds to pay off any balance. Past earnings are monies saved or received that are already on hand. This can be a college savings plan, trust account, investment dividends, etc.

Present Earnings

If you can access current earnings on a monthly basis, we recommend you enroll in our Tuition Payment Plan and elect a manageable monthly payment.

Future Earnings

Parent Loans (PLUS) and Private Loans are available when looking for ways to pay the remaining balance after Financial Aid and personal funds are applied.

Disbursement of Funds

Financial Aid funds are scheduled to disburse (pay out) to your account at the start of each semester and are applied to any outstanding charges. Please consult the disbursement schedule to determine when your funds will pay out according to your academic calendar. Financial aid funds disburse electronically unless you are notified otherwise.