Financial Aid FAQs

MSW@Denver Tuition and Billing 

How much does the MSW@Denver program cost?
Tuition is based on the number of credits for which you register. Current tuition rates can be found on the MSW@Denver tuition and financial aid site.

Are there additional fees assessed on top of tuition (lab fees, program fees, registration fees, student fees, placement fees, activity fees, etc.)?
There is a technology fee assessed on top of tuition per semester.

How much is the commitment deposit?
There is a $300 commitment deposit.

Can I use financial aid to cover the deposit?
No, Federal student aid can’t be used to pay the deposit.

Will I be able to view my award package before submitting the deposit?
No. You are required to pay your commitment/tuition deposit before you can receive your financial aid award package.

When will I receive a tuition bill and when is payment due?
For questions regarding your tuition bill please contact the Bursar’s office.

How do I pay my bill? (electronic debit, check, money order, etc.?)
The accepted forms of payments are electronic checks, credit cards or paper check.

Who can I contact at Denver for billing and payment questions?
For any questions regarding billing and payments please contact the Bursar’s office.

Financial Aid at Denver

Are there any school-specific supplemental financial aid forms I need to complete?
There are supplemental forms to complete. However, in order for your loans to disburse, you will need to complete Entrance Counseling and electronically sign the Loan Agreement Master Promissory Note (MPN). Complete Loan Counseling at StudentLoans.gov.

What is the minimum number of credits required to receive federal student aid?
Students must be registered for a minimum of four credits per term to be eligible for Federal Student Aid.

Once admitted, how long will it take to receive my FA award package?
Students are generally packaged with financial aid two to four weeks prior to classes starting.

How will I receive my financial aid award letter?
Your financial aid award letter will be made available via your DU Pioneer Web student portal. 

How do I accept my student loans?
You will need to accept your awards through Pioneer Web. Accept or decline your award by following these steps:

  • Log in to PioneerWeb.
  • Select the Incoming Grad Students tab.
  • Click on “View and Accept Award Offer” in the Financial Aid Awards box.
  • Select the current aid year.
  • Select the Terms and Conditions tab, then review and click “Accept.”
  • Select the Accept Award Offer tab.
  • Choose Accept or Decline in the dropdown box next to each award.
  • If you wish to only accept a portion of the loan, type that amount in the Accept Partial Amount box. Note that any amount you accept will be split evenly over your terms of enrollment (i.e., fall, winter, spring and summer quarters).
  • Click “Submit Decision.”

Am I required to accept the full amount that I am offered in my award letter?
No, you are not required to accept the full amount you are offered. You have the option to accept all, modify or decline your loans.

Does my Direct Loan eligibility cover the entire cost of the program?
Assuming you are eligible for both the Direct Unsubsidized Loan and the Direct Graduate PLUS Loan, your aid will cover the current academic year in which you are enrolled.

How soon will loans disburse to my student account?
Federal student loans do not disburse earlier than 10 days prior to the start of classes.

Can I use loans to cover additional expenses (housing, books, supplies, etc.)?
The total cost of attendance (COA) for the academic year includes tuition, fees and living expenses. If you have eligibility for additional loan funds based on your COA, you are able to use those resources to cover expenses such as books, supplies, living, meals etc. However, the school determines when loans will disburse and when refunds are issued.

Who can I contact at Denver for financial aid questions?
For questions regarding Financial Aid contact Denver Financial Aid office.

FAFSA

What is the FAFSA?
The Free Application for Federal Student Aid (FAFSA) is the application the Department of Education uses to determine if you are eligible to receive federal student aid.

Where can I find the FAFSA?
The FAFSA is available online at FAFSA.ed.gov. The FAFSA is a FREE application; you will not be asked to pay.

What is the University FAFSA school code?
The Denver FAFSA school code is 001371.

Do I need my parents’ tax information to complete the FAFSA if I live on my own?
If you are applying for graduate school, you do not need your parents’ information to complete the FAFSA.

When should I complete the FAFSA?
The FAFSA is available every October for the upcoming academic year. If you are planning to use federal student aid, you should complete your FAFSA while applying for admission. The FAFSA must be completed each academic year in order to remain eligible for federal student aid.

What constitutes an academic year for federal student aid?
An academic year is the year for which financial aid is used to fund your education. Generally, this is the 12-month period that begins on July 1 of one year and ends on June 30 of the following year.

What federal student aid is available to graduate students?
The types of federal student aid graduate students are eligible to apply for include the Federal Direct Unsubsidized Loan and the Federal Direct Graduate PLUS Loan. Learn more about the types of federal student aid.

Will I need to fill out the FAFSA each year?
Yes, you will need to complete the FAFSA for each academic year in which you plan to apply for federal student aid.

Why am I not eligible for the Pell Grant or Federal Subsidized Loan?
The Department of Education awards Federal Pell Grants and Subsidized Loans to eligible undergraduate students who have not yet completed their bachelor’s degrees and who demonstrate financial need. The Department of Education does not evaluate need or income for loans at the graduate/professional level. Therefore, graduate students are not eligible for the Federal Pell Grant or the Direct Subsidized Loan.

Direct Unsubsidized Loan 

What criteria is used to determine eligibility for federal student aid?
To apply for federal student aid, you must:

  • be a U.S. citizen or eligible noncitizen
  • have a valid SSN
  • be registered with Selective Service, if you’re male (must register between the ages of 18 and 25)
  • be enrolled or accepted for enrollment in an eligible degree program
  • be enrolled at least half-time in an eligible program
  • maintain satisfactory academic progress
  • not currently be in default on previous student loans borrowed through FSA
  • not have exceeded the maximum aggregate loan limit

The Direct Unsubsidized Loan is not based on need or income.

Learn more about federal student aid eligibility criteria at StudentAid.ed.gov.

What if I am currently in default or have defaulted on a prior federal student loan?
Visit the National Student Loan Data System (NSLDS) and contact your lender for details on how to clear the default. Students in default are not eligible for additional federal loans until the default is cleared.

What is the aggregate loan limit?
The total amount that you may borrow for undergraduate and graduate study. You can learn more about aggregate loan amounts on the Federal Student Aid website.

How do I find out if I am near my aggregate loan limit?
You may visit the National Student Loan Data System (NSLDS) website to view your federal student loan borrowing history.

What is the difference between a Direct Unsubsidized Loan and a Direct Subsidized Loan?
Direct Subsidized Loans are available to undergraduate students with financial need. The U.S. Department of Education pays the interest on subsidized loans while students are enrolled in their undergraduate program. Direct Unsubsidized Loans are available to undergraduate and graduate students; there is no requirement to demonstrate financial need. The unsubsidized loan begins accruing interest as soon as funds are disbursed. Learn more about the difference between unsubsidized and subsidized loans.

How much am I eligible to borrow as a Direct Unsubsidized Loan?
Most graduate level students are potentially eligible to receive up to $20,500 per academic year as a Direct Unsubsidized Loan. Learn more about graduate annual loan limits.

How do I apply for the Direct Unsubsidized Loan?
To apply for a Direct Loan, you must first complete and submit the Free Application for Federal Student Aid (FAFSA). University of Denver will use the information from your FAFSA to determine how much student aid you are eligible to receive.

What is the current Direct Unsubsidized Loan interest rate?
The Direct Unsubsidized Loan interest rate is determined at the beginning of each academic year and is available on the StudentAid.gov website.

Are there any additional loan fees for the Direct Unsubsidized Loan?
There is a loan origination fee that is a percentage of the total loan amount. The loan origination fee is deducted proportionately from each loan disbursement you receive. Information on unsubsidized loan origination fees can be found on the Interest Rates and Fees page of the Federal Student Aid website.

Direct Graduate PLUS Loan

What is the Direct Graduate PLUS Loan?
The Direct Graduate PLUS loan is a federal loan that graduate or professional degree students can use to help pay education expenses in addition to the Direct Unsubsidized Loan. Learn about Direct PLUS Loans.

What are the eligibility criteria to apply for the Direct Graduate PLUS Loan?
To apply for a Direct PLUS Loan, you must:

  • be a U.S. citizen or eligible noncitizen
  • have a valid SSN
  • be registered with Selective Service, if you’re male (must register between the ages of 18 and 25)
  • be enrolled or accepted for enrollment in an eligible degree program
  • be enrolled at least half-time in an eligible program
  • maintain satisfactory academic progress
  • not currently be in default on previous student loans borrowed through FSA
  • not have exceeded the maximum aggregate loan limit
  • not have an adverse credit history

The Graduate PLUS loan is based on credit history.

Does the Direct Graduate PLUS Loan affect my aggregate loan limit?
No. Only Direct Subsidized/Direct Unsubsidized Loans (formerly referred to as Stafford loans) and Federal loans made through the Federal Family Education Loan (FFEL) Program count towards your aggregate loan limit.

What are the credit criteria to receive the Direct Graduate PLUS Loan?
One of the eligibility requirements to receive a Graduate PLUS Loan is that you must not have an adverse credit history. A credit check is performed to determine whether a Graduate PLUS Loan applicant meets this requirement. A list of what constitutes "adverse credit history" can be found on the Federal Student Aid website.

How much can I borrow from the Direct Graduate PLUS Loan?
If approved for the Grad PLUS Loan, you can borrow up to the cost of attendance as determined by the University of Denver.

When can I apply for the Direct Graduate PLUS Loan?
You can apply for the Graduate PLUS loan within 180 days prior to the start of your program or once you are enrolled. 

How do I apply for the Direct Graduate PLUS Loan?
To apply for the Direct Graduate PLUS loan, you must first complete the Free Application for Federal Student Aid (FAFSA). Once you have completed the FAFSA, you can apply for the Direct Graduate PLUS Loan by completing the credit application at StudentLoans.gov. Once logged in, select “Request a PLUS Loan” from the menu options so that you can complete the credit check. You must also complete the Grad PLUS Loan Agreement Master Promissory Note (MPN). The University of Denver’s financial aid office will provide additional instructions about the process for requesting a Graduate PLUS Loan.

What are my options if I'm denied the Direct Graduate PLUS Loan?
If you are denied the Graduate PLUS loan, you may reapply with an endorser or follow instructions on the Department of Education's website to appeal the denial.

What is the Direct Graduate PLUS loan current interest rate?
The Direct Graduate PLUS Loan interest rate is determined at the beginning of each academic year and is available on the StudentAid.gov website.

Are there any additional loan fees for the Direct Graduate PLUS Loan?
There is a loan origination fee that is a percentage of the total loan amount. The loan origination fee is deducted proportionately from each loan disbursement you receive. Information on PLUS Loan origination fees can be found on the Interest Rates and Fees page of the Federal Student Aid website.

Loan Repayment

Do I have to repay my student loans while I’m in school?
You are not required to pay on your student loans while you are in school, as long as you are enrolled at least half time. Your unsubsidized loan will go into repayment six months after you graduate, fall below half-time status, take a leave of absence or withdraw from the program. 

When do I have to repay my loan?
After you graduate, leave school or drop below half-time enrollment, you will have a six-month grace period before you are required to begin repayment. During this period, you'll receive repayment information from your loan servicer and you will be notified of your first payment due date. Payments are usually due monthly. You are not required to pay while in school; however, if you choose to, there is no penalty to prepay. Learn more about repayment timelines.

What are the repayment plan options and how do I select one?
The Department of Education (DOE) offers multiple options for repayment. Visit the DOE website for more information on loan repayment plans.

Is there a repayment calculator or estimator that I can use?
Yes, visit the DOE website for repayment calculators.

Can I consolidate my graduate loans and my undergraduate loans?
A Direct Consolidation Loan allows you to consolidate (combine) multiple federal education loans into one loan that includes both graduate and undergraduate loans. The result is a single monthly payment instead of multiple payments. Learn more about loan consolidation.

Are there any loan forgiveness options available?
Please review the Department of Education website for more information on federal loan forgiveness programs.

Military Education Benefits

How do I apply for military education benefits?
To begin the process of applying for eligible military education benefits, visit the U.S. Department of Veterans Affairs website.

What documents are required to process military education benefits?
Visit Vets.gov to complete the Education Benefits Application, which generates a request for the Certificate of Eligibility (COE). Once approved for benefits, the VA will mail the COE to you within 6–8 weeks from submitting the application.

What is the difference between active and non-active duty?
Active Duty means someone who is in the military full time and is not currently eligible for the Yellow Ribbon Program (YRP). Non-Active Duty means someone who is not currently serving or is no longer serving in any capacity of military service of the United States and is eligible for YRP if at 100% per the COE.

What are the eligibility factors for the Post 9/11 GI bill?
You are potentially eligible for this VA-administered program if you have at least 90 days of aggregate active duty service after Sept.10, 2001, and are still on active duty, or if you are an honorably discharged Veteran or were discharged with a service-connected disability after 30 days. Learn more about the Post-9/11 GI Bill.

What are the current tuition and fee payment rate and the Monthly Housing Allowance (MHA)?
The tuition and fee payment rate and the MHA are determined at the beginning of each military academic year on August 1. The current rate table is located on the Education and Training page of the U.S. Department of Veterans Affairs site.

What is the Yellow Ribbon Program (YRP)?
The Yellow Ribbon program allows degree-granting private colleges and universities in the United States to voluntarily enter into an agreement with the VA to fund tuition expenses that exceed the annual maximum cap for the resident tuition and fees at public institutions. Veterans who are utilizing Post-9/11 GI Benefits and who are entitled to 100% of their benefit may be eligible. To participate in the Yellow Ribbon program, you must be using Post-9/11 GI benefits at 100% eligibility, not on active duty, and not a military spouse. There are a limited number of Yellow Ribbon awards available. Additional information on the YRP can be found at benefits.va.gov.

Does MSW@Denver participate in the Yellow Ribbon Program (YRP)?
Yes, MSW@Denver participates in the Yellow Ribbon Program. 

Who can I contact at Denver for questions about using Military Education Benefits?
For questions regarding your military benefits please contact the Veteran Services office.

Get Started Today

To learn more about MSW@Denver, request information and an admission counselor will contact you.