Now that you'll be joining the UVM community this spring, Student Financial Services is here to help guide you through your financial journey.

Here is what the Office of Student Financial Services does and how we can help you.

  • Billing office for tuition, fees, housing & meals, and related charges.
  • Financial aid administration of both federal and institutional aid, along with administering the Federal work-study program
  • Loan repayment office
  • Process student and parent refunds
  • Process both UVM and non-UVM scholarships

Steps to Success

Welcome to UVM Student Financial Services. We hope that you will take a moment to watch this short video welcoming you to our office and learn your next steps for a successful start to your financial journey at UVM.


Your Next Steps for Financial Aid & Your Student Bill

Finalize Your Financial Aid & Make Your Health Insurance Decision (by late-November)

Complete your tasks in the UVM Aid Verification Portal.

You have received an email requesting that additional information is need to complete review of your financial aid application. View this guide for an overview of the UVM Aid Verification Portal and how to complete additional tasks that have been requested.

Learn more about the Federal Work-Study program.



Did you receive an offer for federal work-study in your aid offer? Are you considering working this spring? If yes, watch our guide on the federal work-study program and visit Student Employment's federal work-study page for more information.

The difference between Federal Direct Subsidized and Unsubsidized loans.

Use our guide to help understand the difference between a Federal Direct Subsidized and Unsubsidized loans. Explore more information about these loans on our Federal Direct Loan Information page or at

Accept your financial aid.

Follow our guide for how to accept your financial aid offer here at UVM. For more tips on completing the accept and/or decline process visit, How to Apply for Financial Aid and go to Step 5: Accept and Finalize Your Award.

Complete your Federal Direct Loan Entrance Counseling.

You've already accepted your aid. Complete your Federal Direct Loan Entrance Counseling or Master Promissory Note (MPN) so you loans will disburse by the bill due date.

Complete your Online Health Insurance Decision/Waiver Form.

For the spring semester, you must complete your health insurance decision/waiver form. This form will need to be completed annually. View the Student Health Insurance Plan (SHIP) page for additional insurance information, including benefit information, and to access the form.

Establish Your Proxy and Review Your Billing & Payment Options (by late-November)

Establish a Proxy.

If someone will be helping you through the financial aspects of your education, you'll want to establish them as a Proxy using this step-by-step guide. Unless you have established a Proxy, our office will not be able to speak with anyone other than you about the details of your financial aid, billing, or federal tax information. Learn more about Proxy Access.

Submit your outside scholarships.

Congratulations on receiving a scholarship! View our guide for an overview and how to notify our office and send in your scholarship payments. You can visit our page on submitting outside scholarship information for additional detailed information with addresses.

Learn more about our monthly payment plan option.

One payment option to consider is a monthly payment plan. View our step-by-step guide to learn about the plan and how to set one up. Learn more about the monthly payment plan option or other payment options you can consider to settle your bill.

How your parent can apply for a Federal Direct Parent PLUS Loan.

If your parent is planning to borrow through the Federal Direct Parent PLUS loan to help finance your education this spring, have them view this guide to learn more about the online application process. They can also learn more about this loan on our Federal Loan Information page before they begin the process of applying for a Direct PLUS Loan on the Federal Student Aid site.

Learn more about private educational loans.

One option to consider when financing your education is a private educational loan. View our guide for an overview of private educational loans or visit our private educational loan page for considerations to ask when shopping around for a loan or to link to the loan comparison tool.

Request a payment from your 529 Plan, if applicable (early to mid-December)

Using your 529 plan.

After you have reviewed your bill, you can request a payment from your 529 Administrator so that it is received prior to the billing due date. Review this guide to learn how to request your 529 payment from your Administrator and what we need to make sure your payment arrives on-time to your student account. For more information about 529 Plans and other ways to finance your UVM education please view our payment options page.

Resolve Your Bill by the Due Date (by early-January)

Set up Direct Deposit to receive your financial aid refund if you are eligible.

Get an overview of the financial aid refund process here at UVM and learn how to set up direct deposit so you can receive yours if eligible. You can learn more about it on our Direct Deposit and Our Refund Policy page.

Other Helpful Guides As You Begin Your Semester at UVM

Understanding the difference between dropping versus withdrawing from a class.

Are you considering dropping or withdrawing from one of your classes? If so, watch this guide to learn more about the difference between the two. The other important consideration is based upon the tuition refund schedule to determine what if any refund you will receive.

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