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Financial Aid

Part-Time Enrollment

Your financial aid will be awarded based on full-time enrollment which is 12 or more credit hours (10 hours for graduate students). However, you may choose to enroll in fewer courses each term of your entire academic career orÌýsimplyÌýfind yourself as a part-time student for an occasional term.

While many loan funds are available at 100% even when part-time, students should consider theirÌýindebtednessÌýwhen choosing their loan amount.

It can be easy to accept loans at full value and attend at part-time only to reach yourÌýlife-time borrowing limitÌýmore quickly.


Enrollment Eligibility

Ten days prior to the term, your aid eligibility will be determined based onÌýenrollment.ÌýIt will then be evaluated at other points to match your your registration through theÌý15th day of the term.

In addition to aid disbursement,Ìýyour total aid eligibility may adjust with aÌýpart-time budget adjustmentÌýbased on your enrollment for the term as determined through the 15th day.


Fund Eligibility

Students attending less than full-time are categorized broadly as part-time for that term.ÌýFor financial aid purposes, sub-categories of half-time and less than half-time are used to define financial aid fund eligibility.

The chart below can assist you in planning how your aid funds will adjust based on your enrollment. Use it with the term breakdown of yourÌýfinancial aid award offerÌýto view the full-time (or 100%) amount.ÌýCalculate how your aid will decrease for non-full-time terms and, as always, project yourÌýtuition costsÌýfor those same terms to anticipate any out-of-pocket expenses you may have.

While your aid may not adjust immediately with a specificÌýenrollment change, all aid will be re-evaluated by the 15th day of the term to determine your term aid eligibility.

Enrollment classification based on hours for the term is different for undergraduate and graduate/professional students.Ìý

Impact of part-time enrollment on different types of financial aid.

Ìý

Full-Time

ÌýCo-op

Part-Time

Half-Time

Less than Half-Time

Undergraduate Students
& Law

12+ hours

co-op registration

9-11 hours

6-8 hours

< 6 hours

Graduate Students

10+ hours

co-op registration

8-9 hours

5-7 hours

< 5 hours

Scholarships

Ìý100%

n/a

n/a

n/a

n/a

Pell (through summer 2024)

Ìý100%

100%

Ìý75%

Ìý50%

Ìý25%

Pell (beginning fall 2024) 100% 100% Based on percentage of full-time enrollment: 92% at 11 hours, 83% at 10, 75% at 9; 67% at 8, 58% at 7, 50% at 6, 42% at 5, 33% at 4, 25% at 3, 17% at 2, and 8% at 1

SEOG

Ìý100%

n/a

Ìý100%

Ìý100%

Ìýn/a

TEACH

100%

n/a

75%

50%

25%

OCOG

Ìý100%

n/a

75%

50%

25%

University Need Grant

Ìý100%

n/a

100%

Ìý100%

n/a

Cincinnati Pride Grant

Ìý100%

n/a

n/a

n/a

n/a

Work-Study
Employment

Ìýyes

Ìýyes

Ìýyes

Ìýyes

Ìýyes

Nursing & Health Professions Loans

Ìý100%

Ìýn/a

100%

100%

n/a

Subsidized, Unsubsidized & PLUS Loans

Ìý100%

Ìý100%

100%

100%

n/a

Alternative Loans

Ìý100%

Ìý100%

100%

100%

varies

NOTES:

  • n/a = Not available.
  • Check terms ofÌýscholarshipsÌýawarded to you; while most are for full-time, a limited number allow or are designed for part-time enrollment.
  • Students who do not use their full Pell Grant eligibility during fall and spring due to part-time enrollment can access their untapped annual eligibility inÌýsummer.
  • Some higher SAIsÌýwithin the Federal Pell Grant-eligible range for full-time attendanceÌýdo not allow for funding whenÌýregistered atÌýpart-time, half-time or less than half-time; if your full-time term Pell is less than $500, you may not be eligible for funds when enrolled less than full-time.
  • Federal Work-Study summer employment does not requireÌýsummer enrollmentÌýas long as the student is enrolled for the following fall.
  • Students who are on co-op should reviewÌýinformation specific to co-opÌýso as to understand how Pell and loan awards are treated over the course of each academic year and scholarships are counted over an academic career.
  • Chart information for Alternative Loans is general.Ìý
    • Select alternative loans will allow less than half-time enrollment.
    • Alternative loans may limit eligibility based on academic program or standing.
    • Availability and eligibility for any alternative loan can change as lenders continually review their loan products.

Part-Time Budgets

Because financial aid awards are initially made with the assumption that students will be enrolled full time, adjustments will have to occur upon verification that a student is enrolling part-time. TheÌýcost of attendance or financial aid budgetÌýfor part-time students is adjusted to reflect the lower amount of tuition and other educational expenses typically incurred by less than full time students.

Student Financial Aid will review all part-time students both before the beginning of each term and afterÌýthe first two weeks (15th day)Ìýto ensure the amount of aid received in the term does not exceed the adjusted part-time budget.

In rare cases where aid eligibility is reduced due to a smaller aid budget, a student may have a balance due following the aid adjustment if refund checks were processed in advance of the adjustment. Student Financial Aid will notify students of any aid eligibility adjustment due to part-time status via theirÌý.