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Summer Financial Aid

Summer Aid Eligibility Requirements

To qualify for summer aid you must:

  • Be a current UMass Lowell student who has not graduated (or, you graduated and can document that the course you are taking in summer is required for admission to graduate school).
  • Be accepted in to a degree or certificate program for the summer term.
  • Have submitted the 2018 - 2019 FAFSA and all requested documents by June 30, 2019.
  • Be making satisfactory academic progress (SAP) toward your degree. Students who are not meeting financial aid SAP and those who are academically suspended or dismissed are not eligible to receive aid.
  • If you are an undergraduate - enroll in a minimum of 6 credits for loan eligibility. For Federal Pell Grant, enroll in at least 3 credits. If you are a graduate student - you must enroll in a minimum of 6 credits.
  • Complete the UMass Lowell Summer Aid Application to be considered for Federal Direct Student Loan eligibility.

Available Aid Programs

  • Federal Pell Grant - Available to undergraduate students based on enrollment and financial need. Eligibility automatically reviewed, no application necessary. Summer Pell Grants are not available to students who have already received their maximum, full-time grant amount in the prior academic year.
  • Federal Direct Student Loans - Available to students enrolled in at least 6 credits who have not exceeded their annual limit in the current academic year including the prior fall and spring semesters. UMass Lowell Summer Aid Application is required.
  • Federal Direct PLUS Loans - Available to parents of undergraduate students and to graduate/professional students enrolled in at least 6 credits. PLUS Loan Application must be completed directly with the government.
  • UMass Lowell Student Employment – Based upon funding, student employment is available to students with financial need who worked in this program during the prior academic year. Separate Student Employment Summer application is required.
  • Private Loan Programs – Available to students who have no remaining federal aid eligibility. Eligibility is determined by each lender but, typically, requires at least half-time enrollment and credit worthiness. Apply directly with the lender.

Receiving Summer Aid

If you are eligible for financial aid, UMass Lowell will not require you to pay your tuition and fees before you receive your aid. Your financial aid will be applied to your Summer Session charges at the end of the summer add/drop period in which you are enrolled.

If your aid does not pay all your charges, you are responsible for paying the remaining charges. If your aid exceeds your charges, Student Financial Services will refund financial aid credit balances remaining after all Summer Session charges are paid on or around the third week of the session you attend.

Common reasons for Summer Aid Ineligibility 

  • You have received your maximum annual loan amount during the prior Fall and Spring semesters. You can review annual loan limits for your grade level. 
  • You have reached the maximum lifetime loan limit for an undergraduate or graduate student.
  • You are enrolled in less than six credits for Summer. In order to be reviewed for federal direct loans, you must be enrolled in at least six credits. 
  • You are not in the EFC range for Federal Pell Grant eligibility
  • You have reached your maximum lifetime Pell Grant limit. 
  • You are not meeting Satisfactory Academic Progress (SAP) after the Spring semester. Review the SAP guidelines.