Financial Aid Frequently Asked Questions


When will I receive my institutional scholarship?

  • The recipients of most institutional scholarships are chosen by each program’s chair/scholarship committee. The financial aid office is notified after recipients are chosen. The financial aid office will add the scholarship to the student’s awards in banner, accept them, and place them in a paid status. No further action is needed from the student.

Am I eligible for federal work-study?

  • If federal work study funds have not been added to your awards, please contact your financial aid counselor to inquire of your eligibility.
  • The financial aid counselors for each program and their contact information are as follows:

Where do I go to see what work study jobs are available?

  • After work study has been added to a student’s awards, the student can view work study positions, and to view contact information for the supervisor for the place of employment that they are interested in.

Do I have to complete a FAFSA every year?

  • Yes. The newest application is available following January 1st for the upcoming fall semester that begins on July 1st. This can be completed at www.fafsa.ed.gov and the UTHSC school code is 006725.

How do I accept my aid?

  • The student should login to Banner Self-Service and click on the financial aid tab, then award, then award for aid year, then select the appropriate aid year, then a page should display with six tabs. Click the terms and conditions tab to accept your terms and conditions. Then click the awards offered tab.

What is the grad plus loan?

  • Only graduate/professional students are eligible to apply for Graduate Plus Loans. A Graduate Plus Loan is a credit based loan. There are no set annual or aggregate limits. You may borrow up to your full cost of attendance, minus any other financial aid that you have been awarded (including Direct Subsidized Loan Direct Unsubsidized Loans, scholarships, and certain fellowships).

Do I have to put my parent information on my FAFSA?

  • Independent students are not required to provide parent information. However, parent information is required to determine eligibility for need based scholarship.
  • An independent student is defined as one of the following:
    • Students who are at least 24 years old
    • Students who are married,
    • Students who are enrolled in graduate or professional programs
    • Students who are veterans
    • Students who are members of the armed forces
    • Students who are orphans
    • Students who are wards of the court, or
    • Students who have legal dependents, other than a spouse.

How can I apply for a Perkins loan?

  • To be considered for a Perkins loan, your FAFSA results must indicate that you have a Zero Expected Family Contribution (EFC). If a Perkins Loan has not been added to your awards, please contact your financial aid counselor to inquire of your eligibility.
  • The financial aid counselors for each program and their contact information are the following:

Where can I find my federal loan history?

What is the difference between a subsidized (sub) and an unsubsidized (unsub) loan?

  • As of academic year 2012-13, only undergraduate students are eligible to receive subsidized loans. Most undergraduate students, who are enrolled in a degree seeking program and who are registered for 6 or more credit hours will be awarded subsidized loans, based on their need in an amount not to exceed $5500. Interest does not accrue while student is enrolled in school. Both undergraduate and graduate students are eligible for unsubsidized loans. Interest does accrue while a student is enrolled in school. The student is not required, but has the option of paying the interest while enrolled in school. The current interest for both loans is 6.8%.

If I decline part of my loans now, can I get them back at a later date?

  • Students always have the option of declining all or part of any loans offered to them. If a student decides later in the semester that the declined amount is needed, the student can go to Financial Aid, click forms; print, complete and turn in to the financial aid office an additional funds form. However, if a student has declined institutional funds, the ability to recoup those funds will be based on the availability of the funds.

How long after I have been awarded aid will my refund, be made available to me?

  • Please refer to the Bursar’s website for the published refund dates. http://www.uthsc.edu/registrar/academic_calendar.php Funds will not be available to students until after verification of attendance. The estimated time for the availability of funds is the second or third of class.

How do I apply for additional funding if the awards that I have received are not enough?

  • To inquire about your eligibility to apply for additional funds, please contact your financial aid counselor. The financial aid counselors for each program and their contact information are the following:

Common options of additional funds for undergraduate students are the following:

  • Student’s parent(s) to apply a Parent Plus Loan by login on to studentloans.gov
  • Students to apply for an Alternative with their banking institution or
  • Student to consult with their program chair regarding their scholarship process.

Common options of additional funds for graduate students are the following:

  • Students to apply for a Graduate Plus Loan by logging onto www.studentloans.gov .
  • Students to consult with their program chair regarding their scholarship process.
  • Students can contact thier perspective financial aid counselor for any questions or concerns.

I have completed an application for a graduate plus loan at www.studentloans.gov and have been approved, but I do not see it on Banner. 

  • A student should be able to view their graduate plus loan on the award screen in Banner two to three days after a student has log on to the financial aid website, completed an additional funds request form and turned it in to the financial aid office.

What office do I contact to provide proof of health insurance? 

  • A student must follow the instructions below to provide proof of insurance
    • Log into Banner Self Service:
    • Go to: Banner Self-Service
    • Enter Your NetID and Password.
    • At the Main Menu, click on Student.
    • On the Student menu, click on Student Health Insurance Waiver.
    • Once directed to United Healthcare Student Resource page follow the link to complete the Insurance Wavier.
  • Please contact The Office of Student Life at 901-448-4860 or E-mail Liz Roemer at lroemer@uthsc.edu if you have additional questions.

Banner says I have unsatisfied requirements, (i.e. entrance & exist counseling).

  • Please contact your financial aid counselor to inquire about any unsatisfied requirement. The financial aid counselors for each program and their contact information are the following: