Orange barTo help you easily navigate the steps to financial aid, use the following steps to complete the process.

Step 1: Review UVM's Financial Aid Timeline

Step 2: File Your FAFSA

FAFSA is the Free Application for Federal Student Aid, used to apply for federal student aid, including grants, loans, and work-study funds. At UVM, it is also used to determine your eligibility for need-based grant aid.

  • UVM's Federal School Code for the FAFSA is 003696.
  • While your IRS tax information is not displayed on the FAFSA for your protection, we encourage you to use the IRS Data Retrieval Tool (DRT) which transfers information directly from what you filed with the IRS to make the FAFSA filing process easier (and may reduce paperwork you're required to submit to UVM).
  • Students in Unique Situations: Tips for Completing the 2021-22 FAFSA (PDF).
Other considerations:
  • Additional applications are required to apply for state grants (“Gift aid,” which does not need to be paid back and are awarded based on your financial need.)
    • Vermont residents seeking an undergraduate or medical degree should apply for the Vermont state grant; those enrolling as non-degree can apply for the Advancement grant
    • Out-of-state residents should check with their state grant agency for information on available grants and how to apply
  • Consider applying for outside scholarships (which are awarded based on certain characteristics or qualities, such as academic achievement, and can be merit-based or need-based. Like grants, scholarships do not need to be repaid).

Step 3: Review Your Application for Requirements

  • Review your Student Aid Report (SAR): Once your FAFSA has been processed, you'll receive your SAR electronically. Your SAR is a summary of the information you reported on the FAFSA, and should be reviewed for accuracy and important messages. Make any necessary changes by making a correction to your FAFSA.
  • Watch for information requests: You may receive requests for additional information from UVM and/or your state grant agency. Please provide requested information promptly. Returning student awards cannot be completed until all requested information has been received. Only send requested information. Receipt of unsolicited information will delay processing of your financial aid award.
  • Monitor your application: Students are notified by email if additional information is needed. Check the status of your aid application.

Step 4: Your Financial Aid Award

  • If your FAFSA was filed by the priority filing deadline and requested information (if any) has been provided promptly, your financial aid award will be available as follows:
    • For incoming undergraduate, graduate, transfer, and non-degree students entering in the fall semester:  Early to mid-March
      • Note, incoming first-year and transfer undergraduate students with incomplete files will be provided with a tentative financial aid award. Once all requested documentation has been received and reviewed an official award will be issued.
    • For incoming College of Medicine students: Early-April
    • For returning College of Medicine students: Mid-May
    • For returning undergraduate, graduate, and non-degree students: Mid-June
    • For incoming spring first-year and transfer undergraduate students: Mid-October
  • After receiving an email notification, view your award online.
  • Review your financial aid award carefully, noting aid eligibility and any estimated or tentative awards.
  • Understand what action you need to take to make an estimated award an actual award.
  • Report outside assistance including outside scholarships, and tuition remission, not already listed on your award to our office.

Step 5: Accept and Finalize Your Award

  • Email notification will be sent to students with an offered financial aid award once the accept/decline options are activated (generally, in mid-June).
  • Estimated or tentative financial aid awards cannot be accepted. Prospective students who have received an estimated/tentative financial aid award will not be able to accept/decline their award until all requested documentation has been received and reviewed, and the award has been made "official".
Aid Acceptance
  • To accept your aid, log into your myUVM portal, and under the Financial Aid banner on the Student Financial Services page, click on 'View My Award'.
    • Note: the 'Accept Award Offer' tab will be inaccessible until you have submitted your response to the Title IV decision on the 'Resources/Additional Information' tab.
    • A partial loan amount can be accepted by selecting 'accept' from the 'Accept Award' column and indicating the amount you would like to accept in the 'Accept Partial Amount' column.
  • While all offered aid does not need to be accepted/declined in the same session, our office encourages students to accept/decline their aid offers in advance of the semester billing dates so that it is reflected on the bill.
  • Learn more about your loan options in your award by visiting our Federal or institutional loan pages.
    • Most loans (unless specified by an earlier deadline) will need to be accepted by the last day of classes.
    • The full amount of offered Federal Direct Subsidized loan must be accepted before any amount of Federal Direct Unsubsidized loan can be accepted.
    • A request can be submitted to SFS to receive more than half of your Federal Direct Student loan in one semester if you plan to graduate after the fall semester or have extenuating circumstances.
  • In addition to the items outlined in Step 6, depending on the accepted aid, note the following: UVM grants and scholarships (including UVM Award) are generally accepted automatically without further action required.
VSAC grants (Vermont state grants)
  • A separate application is required. If enrollment and grant amounts have been verified prior to the release of your financial aid award, the VSAC grant will be listed as "estimated" in your award.  
  • Contact VSAC to check the status of your grant if your grant is not listed. Grants will be incorporated into awards once enrollment has been verified.
Federal Work Study

Step 6: Completing Loan Agreements, Entrance Counseling, and Other Requirements

Borrowers may need to complete a Loan Agreement (MPN), Promissory Note (PN), Entrance Counseling, Credit Check Authorization Forms, or apply for loans.  Follow the links below to learn more on requirements needed for your accepted loans.

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By the Numbers

At UVM, 35% of in-state students and 49% of out-of-state students graduated without loans.


Loan Change Requests

Billing & Financial Aid Info for Students Studying Abroad

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A How-To-Guide to the FAFSA