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Review these policies carefully, so you’ll know the expectations that come with financial aid at Carolina.

To be eligible for financial aid, a student must:

  • Enroll in a degree program (or in the Dental Hygiene, Radiography Certificate programs or completing Teacher Certification to become licensed)
  • Complete a financial aid application, and follow-up documentation, on time
  • Be a U.S. citizen or eligible non-citizen (permanent resident)
  • Make satisfactory academic progress while enrolled
  • Be registered for Selective Service (if applicable) and
  • Not be in default on a prior federal loan or owe an amount on a prior federal grant


Our goal is to meet as much of your financial need as we can. Your aid eligibility is the difference between the cost for you to attend the University and your personal/family contribution, as determined through the application process. If you need additional help to meet all or part of your costs, contact us. We strongly encourage students to budget carefully and borrow only what is needed to remain enrolled.

In most instances, your total aid, including outside scholarships, cannot exceed the estimated cost of attendance shown in the financial aid section of your ConnectCarolina account. For detailed information about the types of aid in your award, see here.


Unless you have notified our office of other plans, your aid offer assumes you will be enrolled full-time. If your enrollment status changes, it may affect your aid package.

Students with an approved underload who are enrolled half-time (6.0 – 8.5 credits) or three-quarter time (9-11.5 credits) will have a lower budget to reflect the reduced tuition charges and the need for fewer books.  Pell Grants and university grants and need-based scholarships will be adjusted to reflect the lower cost of attendance.  Students studying less than half-time are not eligible for Federal Direct Loans. If you receive non-need based scholarships please reach out to aidinfo@unc.edu  to confirm enrollment requirements of the award. Be sure to enroll in your intended number of credits by the end of the second week of classes to receive the correct funding.

Students working on their first undergraduate degree are considered for the full range of aid — federal grants, University grants and scholarships, work-study and loans. Beyond a first undergraduate degree, most students are only eligible for loans. Visit Studentloans.gov to learn more about annual loan limits.

The University may adjust your aid to reflect changes to your personal or financial circumstances, or when new financial resources become available to you.

If you receive additional financial aid that has not been included as part of your award, notify the Office of Scholarships and Student Aid. Visit Outside Scholarships for more information.

Please review the Withdrawal Policy to learn how leaving the University will impact you financially.


To be eligible for financial aid at Carolina, you must maintain satisfactory academic progress (SAP).

SAP is reviewed annually at the end of the academic year. Review the full SAP policy, including definitions and paths to restoring eligibility, to learn more.


Once you have met all aid requirements, funds will be electronically transferred to your student account. These disbursements begin just prior to the opening of each semester and continue throughout the semester. Visit the Cashier’s Office website to set up direct deposit and learn more about the Cashier’s refund policies.

It is possible that there may be several transfers to your account as you meet various conditions for aid. If your aid is not sufficient to cover your charges, you must pay the balance due. If charges are assessed to your account AFTER all disbursement of aid for a term has occurred, you will be responsible for those charges.

If a change in your status results in reduced eligibility for aid, you may be required to repay all or a portion of funds already disbursed to you.


If your financial circumstances have changed significantly, we may be able to adjust your award. Complete the Need Analysis Review on our forms page for this aid year.

If the listed conditions do not apply to you, please send us a written, detailed description of the changes in your circumstances. These requests will be reviewed on a first-come, first-served basis once initial awards have been completed.

Please keep in mind that increased aid can be offered only if funds are available and if you have not already received maximum support from specific programs.


If you have questions about financial aid, feel free to contact us! We are happy to help.

aidinfo@unc.edu  |  919.962.8396  |  111 Pettigrew Hall