Tuition and Financial Aid FAQ

Tuition and Billing

How much do the School of Education and Health Sciences Online programs cost?

Tuition is based on the number of credits for which you register. Current tuition rates can be found in the navigation above on each program’s Admission page.

How much is the enrollment deposit?

A non-refundable $200 tuition deposit is required prior to enrollment. 

Can I use financial aid to cover the deposit?

Federal student aid cannot be used to pay the deposit.

Will I be able to view my award package before submitting the deposit?

In order to view your award package in your student portal you must be enrolled. For additional details please contact the University of Dayton Office of Financial Aid.

When will I receive a tuition bill and when is payment due?

Tuition bills are prepared on the 1st of the month with your payment due on the 22nd of the month. 

How do I pay my bill (electronic debit, check, money order, etc.)?

You can pay your bill online directly through My Payment Center, which can be found on Porches. Go to Porches, select Flyer Student Services, then go to My Payment Center. You may use:

  • An e-check – ACH
  • A credit card (A convenience fee is required.)

You may also mail a payment via check to the processing center listed on your bill. If you are local to the University of Dayton, you may pay in person during normal business hours at St. Mary’s Hall, Room 108. You may use:

  • A check
  • Cash

How does my employer go about paying the school?

Your employer should use the same methods discussed under “How do I pay my bill?” If your employer is reimbursing you for tuition costs, we offer an Employer Deferred Tuition Reimbursement Plan. For questions, please contact Kathy Ferguson between 8:30 a.m. and 4:30 p.m. Monday through Friday at:

Email:Kferguson1@udayton.edu
Phone: Phone Number: 937-229-4113 or Phone Number: 1-800-259-7117.
Fax: 937-229-4117
Office: 108 St. Mary’s Hall, 300 College Park Drive, Dayton, OH 45469-1600 

Does Dayton offer payment plan options?

No, payment plans are not available.

Will my registration be cancelled if the bill is not paid when classes begin?

Your registration will not be canceled if the bill is not paid when classes begin. You will, however, have a hold on your account, which will prevent registration and access to official transcripts, and you will be responsible for a one percent monthly interest charge on the remaining balance until it is paid in full.

What is the process if I’m eligible for a refund?

Credit balances resulting from loans or financial aid awards are available for refunding after the first week of the semester. You may sign up online for direct deposit of refunds, otherwise checks will be mailed to your permanent address on file. Instructions are on the Flyer Student Services website. 

Who can I contact at Dayton for billing and payment questions?

All billing questions can be answered by the Office of Student Accounts on the Flyer Student Services website.

Financial Aid at Dayton

Are internal scholarships available for this program?

Students may qualify for select competitive awards offered by the University of Dayton or can identify private independent scholarships for which they can apply separate of the application or the federal aid process.

Are there any school-specific supplemental financial aid forms I need to complete?

No. If you plan to apply for federal student aid, you will need to complete the Free Application for Federal Student Aid (FAFSA), Entrance Counseling, and electronically sign the Loan Agreement Master Promissory Note (MPN) in order for your loans to disburse. Complete Loan Counseling on the Federal Student Aid website

What is the minimum number of credits required to receive federal student aid?

Students must register half-time, which is a minimum of 3 credit hours, to receive student aid each semester. Students must complete 75 percent or more of tier attempted credit hours while maintaining a B (3.0) minimum GPA. 

Once admitted, how long will it take to receive my Financial Aid award package?

Financial Aid awards are typically prepared within three to five business days if a FAFSA is on file for the year.

How will I receive my financial aid award letter?

You will receive an email in your University of Dayton email account directing you to Porches, which is our student portal.

How do I accept my student loans?

In order for your loan to be officially disbursed, you must sign your award letter and Loan Agreement (MPN) on the Federal Student Aid website and complete Entrance Counseling online after accepting the loan. You will need to use your Federal Student Aid ID and password to access the site and complete the required paperwork. Award letters will not go out to students unless the MPN and Entrance Counseling are completed.

Am I required to accept the full amount that I am offered on my award letter?

No. You can choose to accept all, part or none of your financial aid award.

Does my Direct Loan eligibility cover the entire cost of the program?

Assuming you are eligible for both the Direct Unsubsidized Loan and the Direct Graduate PLUS Loan, the aid will cover the current academic year you are enrolled.

How soon will loans disburse to my student account?

Federal student loans do not disburse earlier than 10 days prior to the start of classes.

Can I use loans to cover additional expenses (housing, books, supplies, etc.)?

The cost of attendance budget includes funding for books and technology expenses as well as a moderate amount that can be used for living expenses. If you borrow to cover expenses beyond tuition and fees, which would be reflected on your tuition bill, keep in mind that refunds are disbursed in compliance with federal regulations. Students are encouraged to borrow responsibly. Remember, you can borrow less than what is offered, and you should only borrow what you need.

Can I use loans to cover immersions?

There may be fees associated with immersion courses. If you have eligibility for additional loan funds or refunds, you are able to use these resources to cover immersion expenses.

Who can I contact at Dayton for financial aid questions?

If you have any questions about tuition and financial aid at University of Dayton, please email us at financialaid@educationonline.udayton.edu.

Free Application for Federal Student Aid (FAFSA)

What is the FAFSA?

The Free Application for Federal Student Aid (FAFSA) is the application the Department of Education uses to determine if you are eligible to receive federal student aid.

Where can I find the FAFSA?

The FAFSA is available online at FAFSA.ed.gov. The FAFSA is a free application; you will not be asked to pay.

What is University of Dayton’s FAFSA school code?

The Dayton FAFSA school code is 003127.

Do I need my parents’ tax information to complete the FAFSA?

If you are applying for graduate school, you are considered an independent student, and do not need to include your parents’ information to complete the FAFSA.

What is the Expected Family Contribution (EFC)?

The Expected Family Contribution (EFC) is the amount that you are expected to contribute toward your educational costs as an undergraduate or dependent student. Graduate and professional students are considered independent for the purpose of federal student aid; therefore, income and need are not analyzed in order to be eligible, and you are not required to report parental information on the FAFSA.

When should I complete the FAFSA?

Admission Information
Start Term FAFSA Year
September 2019 Fall 2019 2019-2020
January 2020 Spring 2020 2019-2020
May 2020 Summer 2020 2019-2020

The FAFSA is available every October for the upcoming academic year. If you are planning to use federal student aid, you should complete your FAFSA while applying for admission. The FAFSA must be completed each academic year in order to remain eligible for federal student aid.

What constitutes an academic year for federal student aid?

An academic year is the year for which financial aid is used to fund your education. Generally, this is the 12-month period that begins on July 1 of one year and ends on June 30 of the following year.

What federal student aid is available to graduate students?

The types of federal student aid for which graduate students are eligible to apply include the Federal Direct Unsubsidized Loan and the Federal Direct Graduate PLUS Loan. Learn more about the types of federal student aid.

Will I need to fill out the FAFSA each year?

Yes, you will need to complete the FAFSA for each academic year in which you plan on applying for federal student aid.

Why am I not eligible for the Pell Grant or Federal Subsidized Loan?

The Department of Education awards Federal Pell Grants and Direct Subsidized Loans to eligible undergraduate students who demonstrate financial need and have not yet completed their bachelor’s degrees. The Department of Education does not evaluate need or income for loans at the graduate or professional level. Therefore, graduate students are eligible for neither the Federal Pell Grant nor the Direct Subsidized Loan.

Direct Unsubsidized Loans

What criteria is used to determine eligibility for federal student aid?

The Direct Unsubsidized Loan is not based on income. In order to apply for federal student aid, you must:

  • Be a U.S. citizen or eligible noncitizen
  • Have a valid Social Security Number (SSN)
  • Be registered with Selective Service, if you are male (must register between the ages of 18 and 25)
  • Be enrolled or accepted for enrollment in an eligible degree program
  • Be enrolled at least half-time in an eligible program
  • Maintain satisfactory academic progress
  • Not currently be in default on previous student loans borrowed through FSA
  • Not have exceeded the maximum aggregate loan limit

Learn more about federal student aid eligibility criteria on the Federal Student Aid website.

What if I am currently in default or have defaulted on a prior federal student loan?

Visit the National Student Loan Data System (NSLDS) and contact your lender for details on how to clear the default. Students in default are not eligible for additional federal loans until the default is cleared.

What is the aggregate loan limit?

The aggregate loan limit is the total amount that you may borrow for undergraduate and graduate study. In addition to borrowing limitations based on the cost of attendance for the program, students are also limited in terms of lifetime borrowing. The aggregate loan limit for all federal loans, including undergraduate and graduate study, is $138,500. You can learn more about graduate annual loan limits on the Federal Student Aid website.

How do I find out if I am near my aggregate loan limit?

You may visit the National Student Loan Data System website to view your federal student loan borrowing history. Please note that private education loans are not listed on this site.

What is the difference between a Direct Unsubsidized Loan and a Direct Subsidized Loan?

Direct Subsidized Loans are available to undergraduate students with financial need. The U.S. Department of Education pays the interest on subsidized loans while students are enrolled in their undergraduate program. The Direct Unsubsidized Loan is available to undergraduate and graduate students and does not require demonstration of financial need. The Unsubsidized Loan begins accruing interest as soon as funds are disbursed. Learn more about the difference between unsubsidized and subsidized loans.

How much am I eligible for with the Direct Unsubsidized Loan?

Most graduate level students are potentially eligible to receive up to $20,500 per academic year from the Direct Unsubsidized Loan. Learn more about graduate annual loan limits.

How do I apply for the Direct Unsubsidized Loan?

To apply for the Direct Unsubsidized Loan, you must complete and submit the Free Application for Federal Student Aid (FAFSA).

What is the current Direct Unsubsidized Loan interest rate?

The Direct Unsubsidized Loan interest rate is determined at the beginning of each academic year. Learn more about interest rates and graduate annual loan limits on the Federal Student Aid website.

Are there any additional loan fees for the Direct Unsubsidized Loan?

There is a loan origination fee that is a percentage of the total loan amount. The loan origination fee is deducted proportionately from each loan disbursement you receive. Information on Unsubsidized loan origination fees can be found on the Interest Rates and Fees page of the Federal Student Aid website.

Direct Graduate PLUS Loans

What is the Direct Graduate PLUS Loan?

The Direct Graduate PLUS Loan is a federal loan that graduate or professional degree students can use to help pay education expenses in addition to the Direct Unsubsidized Loan. Learn about Direct PLUS Loans.

What are the eligibility criteria to apply for the Direct Graduate PLUS Loan?

A credit check will be conducted when applying for the Direct Graduate PLUS Loan. In addition to the federal student aid eligibility criteria listed above, applicants cannot have an adverse credit history.

Do Direct PLUS Loans affect my aggregate loan limit?

Only Direct Subsidized/Direct Unsubsidized Loans (formerly referred to as Stafford loans) and federal loans made through the Federal Family Education Loan (FFEL) Program count toward your aggregate loan limit.

What are the credit criteria to receive the Direct Graduate PLUS Loan?

One of the eligibility requirements to receive a Graduate PLUS Loan is that you must not have an adverse credit history. A credit check is performed to determine whether a Graduate PLUS Loan applicant meets this requirement. A list of what constitutes adverse credit history can be found on the Federal Student Aid website.

How much can I borrow from the Direct Graduate PLUS Loan?

If approved for the Direct Graduate PLUS Loan, you can borrow up to the cost of attendance as determined by University of Dayton.

When can I apply for the Direct Graduate PLUS Loan?

You can apply for the Direct Graduate PLUS Loan within 180 days of the start of your program, or once you are enrolled.

How do I apply for the Direct Graduate PLUS Loan?

The financial aid office will notify you of your financial aid eligibility once your file is complete. Review your financial aid award and decide how much of the Graduate PLUS eligibility loan you’ll need to cover your charges or expenses. Once you have made the decision to apply for the Direct Graduate PLUS Loan, visit the Federal Student Aid website to complete the Direct Graduate PLUS Loan request.

What are my options if I'm denied the Direct Graduate PLUS Loan?

If you are denied the Direct Graduate PLUS loan, you may reapply with an endorser or follow instructions on the Department of Education's website to appeal the denial.

What is the Direct Graduate PLUS Loan’s current interest rate?

The Direct Graduate PLUS Loan interest rate is determined at the beginning of each academic year, and is available on the Federal Student Aid website’s Interest Rates and Fees page.

Are there any additional loan fees for the Direct Graduate PLUS Loan?

There is a loan origination fee that is a percentage of the total loan amount. The loan origination fee is deducted proportionately from each loan disbursement you receive. Information on Direct Graduate PLUS Loan origination fees can be found on the Interest Rates and Fees page of the Federal Student Aid website.

Loan Repayment

Do I have to repay my student loans while I’m in school?

You are not required to pay your student loans while you are in school as long as you are enrolled at least half-time. Your unsubsidized loan will go into repayment six months after you graduate, fall below half-time status, take a leave of absence or withdraw from the program.

When do I have to repay my loan?

After you graduate, leave school or drop below half-time enrollment, you will have a six-month grace period before you are required to begin repayment. During this period, you'll receive repayment information from your loan servicer, and you will be notified of your first payment due date. Payments are usually due monthly. You are not required to pay while in school, however if you choose to, there is no penalty to prepay. Learn more about repayment timelines.

What are the repayment plan options and how do I select one?

The Department of Education (DOE) offers multiple options for repayment. You may visit the DOE website for more information on loan repayment plans.

Is there a repayment calculator or estimator that I can use?

Yes, visit the DOE website for repayment calculators.

Can I consolidate my graduate loans and my undergraduate loans?

A Direct Consolidation Loan allows you to consolidate (combine) multiple federal education loans into one loan including both graduate and undergraduate loans. The result is a single monthly payment instead of multiple payments. Learn more about loan consolidation.

Are there any loan forgiveness options available?

Please review the Department of Education website for more information on federal loan forgiveness programs.

Military Education Benefits

How do I apply for military education benefits?

To begin the process of applying for eligible military education benefits, visit the U.S. Department of Veterans Affairs website.

What documents are required to process military education benefits?

Visit Vets.gov to complete the Education Benefits Application, which generates a request for the Certificate of Eligibility (COE). Once approved for benefits, the VA will mail the COE to you within six to eight weeks after you submit the application.

What is the difference between active and non-active duty?

Active Duty is in the military full time and is not currently eligible for the Yellow Ribbon Program (YRP). Non-Active Duty is someone who is not currently serving or no longer serving in any capacity of military service of the United states and is eligible for YRP if at 100 percent per the COE.

What are the eligibility factors for the Post 9/11 GI bill?

You are potentially eligible if you have at least 90 days of aggregate active duty service after September 10, 2001, and are still on active duty, or if you are an honorably discharged veteran or were discharged with a service-connected disability after 30 days, you may be eligible for this VA-administered program. Learn more about the Post-9/11 GI Bill.

What is the current tuition and fee payment rate, and Monthly Housing Allowance (MHA)?

The tuition and fee payment rate, and MHA are determined at the beginning of each military academic year on August 1. The current rate table is located on the Education and Training page of the U.S. Department of Veterans Affairs website.

What is the Yellow Ribbon Program (YRP)?

The Yellow Ribbon Program allows degree-granting private colleges and universities in the United States to voluntarily enter into an agreement with the VA to fund tuition expenses that exceed the annual maximum cap for the resident tuition and fees at public institutions. Veterans who are utilizing Post-9/11 GI Benefits and who are entitled to 100 percent of their benefit may be eligible. To participate in the Yellow Ribbon program, you must be using Post-9/11 GI benefits at 100 percent eligibility, not be on active duty, and not be a military spouse. There are a limited number of Yellow Ribbon awards available. University of Dayton does participate in the Yellow Ribbon Program. Please find more information and the necessary application on the University of Dayton Yellow Ribbon page.

Who can I contact at the University for questions about using military education benefits?

Please contact a Flyer Student Services Counselor for questions about using military education or veteran benefits. You may email vetservices@udayton.edu for assistance.

Tax Benefits for Education

How do I qualify for a tuition tax credit?

For details on tax benefits for education, see IRS Publication 970: Tax Benefits for Education (PDF, 2.2 MB), which provides detailed information. The University of Dayton is unable to provide tax advice. We urge you to contact your tax advisor or the IRS — at Phone Number: 800-829-1040 — or to visit www.irs.gov if you have any questions regarding the HOPE or Lifetime Learning Tax Credits.

What is the 1098-T form?

It is an informational form filed by the University of Dayton with the Internal Revenue Service to report the amounts billed to you for qualified tuition, related expenses and other related information. The primary purpose of IRS Form 1098‐T is to inform you that we have provided this required information to the IRS.

What information is included in the 1098-T form?

Form 1098-T reports amounts paid for qualified tuition, scholarships and grants processed in 2019 to students enrolled in courses at the University of Dayton for which they receive academic credit. The information reported on the 1098-T form helps students evaluate whether they are eligible for an educational tax credit.

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