Financial Aid

Learn about federal financial aid to help pay for your education costs at UMGC Europe.

You don't have to navigate financial aid alone. Take time to explore the various options below, so you can decide which ones are the best fit for your life and budget.

When it comes to covering your college expenses, you have options. Federal student financial aid, available through the U.S. Department of Education, provides loans, grants, and scholarship opportunities to help fund your degree.

Your eligibility is based on your current financial need, as well as other factors, including whether you're a full-time or part-time student.

UMGC financial aid advisors are ready to help you explore these options.

How to Apply

  1. To get started, the first step is to complete a Free Application for Federal Student Aid (FAFSA®)*

    • Use UMGC school code 011644

    Please note: Submit the 2026 – 2027 FAFSA for Summer 2026, Fall 2026, Winter 2027, and Spring 2027  terms. 

  2. To complete the application process, follow these steps

  3. You will be notified via email if further documentation is required and when you have been awarded aid.

  4. Applicable financial aid forms.

     

UMGC Aid Information

Application Priority Deadlines

  • Summer: 1 April

  • Fall: 1 June

  • Spring: 1 November

Loans and Pell Grants

Federal Loan

Federal student loans are low-cost, fixed-rate loans that may be subsidized (based on need) or unsubsidized (not based on need). Subsidized loans begin to accrue (accumulate) interest when repayment begins (six months after you leave school or your attendance drops below half-time), while unsubsidized loans begin to accrue interest as soon as the loan is disbursed. Award amounts are based on loan eligibility, dependency status, grade level, and may vary each year. 

 Beginning with the summer 2026 term, the federally-implemented One Big Beautiful Bill Act will change how federal student loans are adjusted when a student drops or withdraws from courses. Loan amounts will be recalculated based on a student's updated enrollment level, which can affect future federal loan borrowing eligibility. For more information, please review UMGC’s  overview of the One Big Beautiful Bill Act.

Important Time Limitations on Loans and Pell Grants

Direct Subsidized Loans: For first-time borrowers applying for Direct Subsidized Loans on or after 1 July 2013, there is a limit on the maximum period of time (measured in academic years) that you can receive such loans. If this limit applies to you, then you may not receive Direct Subsidized Loans for more than 150 percent of the published length of your program. This is called your "maximum eligibility period.” More information on loans.

Pell Grants: Effective 1 July 2012, students can receive the Federal Pell Grant for a maximum of 12 full time semesters. If you have used at least 450% of your eligibility funding, you will receive an email notification from the FAFSA Processing System (FPS), the system that processes your FAFSA®. 

Federal Student Aid Estimator

Calculate an estimate of how much student aid you may be eligible to receive to assist with your college expenses.

 

Financial Aid Tools

Online Support Center

Visit the UMGC Help Center and get financial aid assistance. You can browse our extensive FAQ catalog, contact us via email, chat live, or request a call from our Financial Aid Office.

Contact Us

The UMGC Europe Financial Aid Office offers a full range of services and information on all aspects of financial aid. We encourage you to contact a financial aid advisor for any assistance you may need. Advisors are available Monday through Friday, 0800-1700 CET.

Contact Information