Financial Aid

Aid & Enrollment

In most cases, aid is offered at full-time amounts based on full-time projected attendance. Full-time is 12 or more credit hours (10 hours for graduate students) per semester. However, you may choose to enroll in fewer courses each term of your entire academic career or simply find yourself as a part-time student for an occasional term.

A limited numer of programs, because all students are part-time, will have their awards specificially taylored for part-time


Part-time and Co-op Aid Adjustments

Students attending less than full-time are categorized broadly as part-time for that term. For 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 your financial aid award offer to view the full-time (or 100%) amount. Calculate how your aid will decrease for non-full-time terms and, as always, project your tuition costs for those same terms to anticipate any out-of-pocket expenses you may have.

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

 

Full-Time

 Co-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

 100%

n/a

n/a

n/a

n/a

Pell (through summer 2024)

 100%

100%

 75%

 50%

 25%

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

 100%

n/a

 100%

 100%

 n/a

TEACH

100%

n/a

75%

50%

25%

OCOG

 100%

n/a

75%

50%

25%

University Need Grant

 100%

n/a

100%

 100%

n/a

Cincinnati Pride Grant

 100%

n/a

n/a

n/a

n/a

Work-Study
Employment

 yes

 yes

 yes

 yes

 yes

Nursing & Health Professions Loans

 100%

 n/a

100%

100%

n/a

Subsidized, Unsubsidized & PLUS Loans

 100%

 100%

100%

100%

n/a

Alternative Loans

 100%

 100%

100%

100%

varies

NOTES:

  • n/a = Not available.
  • Check terms of scholarships awarded 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 in summer.
  • Some higher EFCs within the Federal Pell Grant-eligible range for full-time attendance do not allow for funding when registered at part-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 require summer enrollment as long as the student is enrolled for the following fall.
  • Students who are on co-op should review information specific to co-op so 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. 
    • 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 Cost of Attendance

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. The cost of attendance or financial aid budget for 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 after the first two weeks (15th day) to 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 their UC email account.