Student Enrollment and Financial Services (SEFS)

Types of Aid and Eligibility

Based on federal regulations, eligibility for aid is determined as:

Student TypeDependent UndergraduateIndependent Undergraduate
Academic year loan limit
Freshman: $5,500
Sophomore: $6,500
Jr/Senior: $7,500
Freshman: $9,500
Sophomore: $10,500
Jr/Senior: $12,500
Lifetime loan limit (per program)$31,000$57,500
Student TypeGraduate/
Professional*
Teacher Certification^Post-Baccalaureate^
Academic year loan limit$20,500$5,500/
$12,500
Undergraduate work: $2,625/
$8,625;
Graduate work: $5,500/$12,500
Lifetime loan Limit (per program)$138,500$5,500/
$12,500
$2,625/ $12,500

*Includes amounts borrowed at the undergraduate level

^Based on dependency status. Only eligible for one year (1) of aid, provided total aid eligibility at the undergraduate level has not been reached.

Stafford loan maximum eligibility for Teacher Certification is $12,500 for the year.¬†Due to federal statute, eligibility is based on fifth-year undergraduate loan limits even though students are required to have a bachelor’s degree and the program is administered by the Graduate School.

 

LevelUndergraduteGraduate/
Professional
Teacher CertificationPost-Baccalaureate Preparatory CourseworkNot Eligible for Aid
(includes all Post Masters programs)
  
JCU ProgramAll programs leading to:
B.A.
B.S.
All programs
leading to:
M.A.
M.S.
MBA
M.Ed
Ed.S
Early Childhood Generalist; All Endorsements; All Initial Teacher LicensuresPremedical; Post-Bac in BSOB; Post-Bac in CASAll Certificate programs; All non-degree seeking, non-matriculated or transient students; workshops and professional development/continuing education; Teacher Leader endorsement:
Principal Licensure; Mental Health Counseling Licensure; Post Master's in School Psychology