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Summer Financial Aid

Summer financial aid

If you plan to take courses over the summer, you may be eligible to receive financial aid to offset the costs.

Summer Aid Requirements

In order to be considered for summer financial aid, you must:

  • Be enrolled or accepted for enrollment in to a degree granting or approved certificate program. Students enrolled in non-degree programs are not eligible for financial aid.
  • 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.
  • Be enrolled in a minimum of 6 credits for federal loan eligibility. Undergraduate students may also be considered for Federal Pell Grant eligibility.
  • Meet the basic eligibility requirements for financial aid.

Apply For Summer Aid

To apply for summer financial aid, you must:

  • Complete the 2020-2021 FAFSA and submit all requested documents by June 30, 2021.
  • Complete the UMass Lowell Summer Aid Application.

Summer Aid Programs

  • UMass Lowell Summer Scholarship - Available to undergraduate students seeking a degree or certificate. Applicants must meet the basic eligibility requirements for financial aid in order to apply. Scholarship eligibility is determined by a student’s demonstrated financial need. The average scholarship award is $250.00 per course. Students must complete the UMass Lowell Summer Aid Application to be considered for scholarship eligibility. 
  • Federal Pell Grant - Pell Grant eligible students can receive up to 150% of their scheduled Pell award each year. If a student was a Pell Grant eligible student in the Fall and/or Spring semester, they may qualify for a Pell Grant for the following summer if they are enrolled at least half time.
  • Federal Direct Student Loans - Available to degree-seeking undergraduate and graduate 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 degree seeking undergraduate students and to degree-seeking graduate students enrolled in at least 6 credits. Federal Direct PLUS Loan Application must be completed directly with the government.
  • Private Loan Programs – Students may apply for a private loan up to the cost of attendance minus any financial aid received. Students are strongly encouraged to apply for federal financial aid first. Remember to borrow responsibly. Loans are debt that must be repaid with interest. Apply directly with the private lenders.

Summer Aid Disbursements

Summer Financial Aid will be disbursed on or after June 4, 2021. Please be aware that if your eligibility for financial aid depends upon your summer session II enrollment, disbursements will be held until after the summer session II add/drop period.

For example: if you are enrolled in 3 credits in session I and 3 credits in session II, your loan will not be disbursed until session II add/drop periods ends because federal loans require a minimum of 6 credits.

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.

Read the Summer Aid Frequently Asked Questions