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Financial Aid Process

To be considered for financial aid at UW Oshkosh, students must complete the following steps.

Students must be accepted to a degree-seeking program at UW Oshkosh in order to receive financial aid.

Step 1: Check Eligibility

Before beginning the financial aid process, check to make sure you meet all eligibility requirement including:

  • Be admitted to a degree-seeking program and be enrolled in 4.5 credits graduate work (halftime status) at UW Oshkosh. However, you can still apply for financial aid even if you are not yet admitted or enrolled. Also note, the Financial Aid Office will cancel financial aid if a student fails to attend the required minimum number of credits to be eligible for financial aid.
  • Have a high school diploma or a General Education Development (GED) certificate
  • Meet one of the following citizenship criteria:

U.S. citizen
U.S. national (includes natives of American Samoa or Swain’s Island)
U.S. permanent resident
Have “refugee”, “asylum granted”, “Cuban-Haitian entrant, status pending” or “conditional entrant”

  • Have a valid Social Security Number
  • Register with the Selective Service if you are a male between 18 and 25 years of age
  • Certify that you are not in default on a federal student loan and do not owe money on a federal student grant
  • Certify that you will use federal student aid only for the educational purposes

Note: If you already have a bachelor’s degree, you are only eligible for loans and work-study aid. This includes students in double major or duel degree programs who have already met the requirements for one of their majors or degrees and are continuing their education toward the additional major or degree. Students who have completed all degree requirements for their degree but have not received their degree can receive financial aid for one additional semester from the time the determination is made. If the student does not graduate after this additional semester, he/she is no longer eligible for financial aid.

For Dual Enrollment information, click here.

For Financial Aid Eligibility regarding Course Repeats, click here.

Step 2: Apply for Aid

Applying for Financial Aid

To begin the process of apply for assistance through the UW Oshkosh Financial Aid Office, students must take the following steps:

1. Complete the Free Application for Federal Student Aid (FAFSA)

In order to be considered for all types of financial aid, we recommend filing the FAFSA by UW Oshkosh’s March 15 priority date.

Please note: You can submit an application beyond the priority date of March 15. Your application will be processed after all on-time applicants are completed. Because funds are limited for the Perkins Loan, Nursing Loan and Supplemental Grant programs, students are encouraged to apply by March 15.

We urge our students to apply online because it shortens the processing time as well as gives access to other important financial aid functions, such as signing Master Promissory Notes, viewing Federal Student Aid, etc.

If the FAFSA is to be filed online, student and parents must apply for a FSA ID. The FSA ID is used to electronically sign the application. The online FAFSA will not be processed until both students and parents sign it with their FSA ID’s.

Note: Filing the FAFSA is a FREE process when done directly through the U.S. Department of Education. There are a number of legitimate companies assisting in filing FAFSA for a fee starting around $50. Such for-free service is not illegal; however, please be aware that you can complete it for free.

2. Review Student Aid Report (SAR)

After processing your FAFSA , the Department of Education will send you a Student Aid Report (SAR). SAR summarizes the information you submitted on the FAFSA. In addition, SAR contains comments alerting you of any incomplete information required for processing your FAFSA. It is very important to review SAR carefully — incomplete information will prevent UW Oshkosh from awarding your financial aid package.

If all of the information on your SAR is correct, you do not need to return it. If your FAFSA information is complete, you will find an Expected Family Contribution (EFC) printed in the upper right hand corner of your SAR. UW Oshkosh will use the EFC to award your financial aid package.

If your FAFSA information is incomplete, you may mail the corrections to the address mentioned on your SAR or log onto the FAFSA website (you will need a PIN) to make correction online.

The fasted way to receive SAR results is to fill out a FAFSA on the Web, provide a valid and current email address and sign the application electronically using a U.S. Department Education PIN (note: if you are a dependent student, your parent must also apply for a PIN and sign your FAFSA on the web).

3. Complete Verification (if required)

After your FAFSA information is completed and processed, the federal government may randomly select your FAFSA for a verification process. If selected, UW Oshkosh’s Financial Aid Office will request additional student and/or parent information. You will be notified of the request for information via an email (please see the University Email Policy) or letter from our office. You will also have a “To-Do List” on TitanWeb.

Some of the documents requested may be:

Verification worksheets (dependent or independent)

Federal Tax Return Transcripts for student/parent or use the IRS data retrieval tool

Copies of student and/or parent W-2 forms

Additional documentation depending on an individual situation

It is important to provide the requested documents in a timely manner. Once all of the requested information is returned to our office, the counselors will review the documents and follow up if any additional information is needed. Please be patient, as it takes time for our counselors to process the data. After the verification process is complete, the student will be awarded a financial aid package.

Step 3: Receiving Aid

Upon completion of the financial aid application process (FAFSA, SAR and verification), students must take the following steps in order to receive their aid:

1. Respond to Financial Aid Award

After your FAFSA and verification (if applicable) information is completed and processed, UW Oshkosh’s Financial Aid Office will send you an email (please see the University Email Policy) or letter with instructions on how to access your award(s) via TitanWeb. If you awarded a Federal Direct Parent Loan, please visit the appropriate loan processing page for more information.

Note: In order to receive federal student loans, most grants and scholarships (Wisconsin Grant, FSEOG Grant, Wisconsin Covenant and Work-Study), the student must be admitted to a degree-seeking program and be enrolled in 6 credits for undergraduates or 4.5 credits (halftime) for graduate work. The Pell Grant for undergraduates is an exception.

Please review your aid and select which aid you will accept and/or decline.

To view:

1. Log in to TitanWeb
2. Click on the “Finances” link
3. Click on links in the “Financial Aid” section to view and accept/decline your aid
4. Choose the appropriate academic year


Scholarships will not be listed on your award until you notify the Financial Aid Offices through the scholarship report form or when the check is received at UW Oshkosh. When you receive scholarship money after the award is sent to you, the office may send you an email informing you of revisions to your award. These revisions can be viewed on TitanWeb. Scholarships count as part of your financial contribution and the amount of awarded financial aid may be reduced or revised. It is the student’s responsibility to notify Financial Aid of any scholarships received.

Pell Grant

At the time the award is made, the Financial Aid Office assumes student will be enrolled full-time. However, the office checks student enrollment at the time the Pell Grant is disbursed. Pell Grant is generally disbursed after the tenth day of classes. If the students are enrolled less than full-time at disbursement, the Pell Grant award is adjusted and awarded based on actual enrollment.

Financial Aid Adjustments

If for any reason your loans, grants or work-study money have been adjusted or changed, you will receive an email indicated that you should review the changes on TitanWeb. Please contact our office if you have any questions.

2. Complete Loan Processing (if applicable)

Please select the appropriate loan link to begin loan counseling and fill out the MPN. If you are borrowing multiple types of loans, you must complete loan counseling and/or MPN for each loan borrowed. The loan counseling and/or promissory notes must be completed before money can be issued (disbursed) to the student’s account.

Federal Student Loans (Direct Subsidized or Unsubsidized)
Nursing Loan
Parent PLUS Loan
Grad PLUS Loan
Private Loan

What is a Master Promissory Note (MPN)?

What is Loan Counseling?

3. Receive Financial Aid

Once the student has accepted/declined Financial Aid on TitanWeb and completed loan processing (if applicable), it takes approximately two weeks to order your financial aid funds. The aid will be disbursed electronically to a student’s account at UW Oshkosh a few days before the beginning of the semester or, if your award was processed later in the semester, as soon as the funds become available. Your aid will be disbursed in equal amounts before each semester.

To view student tuition charges, fees, payment activity and financial aid disbursement:

1. Log in to TitanWeb
2. Click on the “Finances” link
3. Click on the “Statement of Account” link under the “Finances” section
4. Click on the “Daily Activity” link for account activity (including financial aid disbursement) information

Paying Your Bills

After the financial aid has been electronically disbursed to your student account at UW Oshkosh (e.g. after going through application and receiving financial aid processes), the Student Accounts Office deducts all the billed costs from your aid, such as tuition, room and board (if applicable).


If amount billed to your account is less than the amount of the financial aid for the semester, then the student is issued a refund for the different. Students are required to sign up for Direct Deposit on TitanWeb. Some aid (for example, Pell Grant) is not disbursed until later in the semester. Therefore, some students may have refunds available later in the semester.