Subsidized Loan
• Offered to students with financial need, determined by FAFSA.
• Government pays interest while you are attending at least half-time or during deferment.
• Payments begin after you graduate.
Financial Aid Next Steps
The UIW Business Office is here to help you navigate your financial aid package. Your aid package may include a combination of scholarships, grants, loans and work-study opportunities. This page provides an overview of the financial resources to help you pay for your education.
Please contact the business office at busad@uiwtx.edu for assistance in understanding your financial aid options.
How Do I Accept My Aid Offer?
Your grants and scholarships are automatically accepted. Federal work-study and/or loans may be accepted, declined or reduced by logging into your GoUIW portal. Follow the instructions in that email to change your password and access your GoUIW account. After logging into GoUIW, click on “My Financial Aid” on the Financial Assistance card. If you have incomplete tasks, please complete them as soon as possible. Visit Next Steps for Admitted and Confirmed Freshmen for access and step-by-step instructions.
Note: The UIW Helpdesk previously sent your GoUIW username and initial password to your personal email address.
What Are Scholarships and Grants?
Scholarships are awarded based on academic excellence, performance in a specific activity and do not need to be repaid. Outside scholarships can be submitted in person or mailed to:
University of the Incarnate Word
Office of Financial Assistance
4301 Broadway, CPO 308
San Antonio, TX 78209
Office of Financial Assistance
4301 Broadway, CPO 308
San Antonio, TX 78209
Visit uiw.edu/scholarships
for a list of current scholarship applications.
for a list of current scholarship applications.
Grants are need-based federal and state funds that you do not have to repay. Funds are available to eligible students based on financial need and level of enrollment. Grants are typically awarded to eligible students upon the completion of the FAFSA. You should always use the full amount of any available grants, scholarships and/or discounts before utilizing student loans. Schedule a virtual or in-person appointment with us to review your estimated costs and discuss available aid options.
Federal Work-Study and Student Employment Opportunities
You can find on-campus employment opportunities to help earn money to pay for educational expenses. To qualify for work-study, you must demonstrate financial need determined by the FAFSA. Visit jobs.uiw.edu to apply for an on-campus job.
What's The Difference Between Subsidized and Unsubsidized Federal Loans?
Subsidized and Unsubsidized Federal Loans are student loan options to assist with your bill after gift aid. These loans are not credit-based and the amounts are based on your classification. Repayment begins six months after you graduate or drop below half-time (six credit hours).
Unsubsidized Loan
• Offered to students who submit a FAFSA. Financial need is not required.
• Accrues interest while you are attending school as well as during deferment.
• Payments begin after you graduate or drop below six credit hours.
How to Understand My Aid
Your notification of aid offer is only valid for the year listed on your letter and online in the GoUIW portal. If your financial circumstances are similar each year, chances are your financial aid awards will remain similar for future years. However, that is not guaranteed. You must submit your Free Application for Federal Student Aid (FAFSA) each year.
How Can I Submit a Special Circumstances Form For FAFSA?
We recognize there are times when your (or your parent's) tax information reported on the FAFSA may not accurately reflect your household’s current financial situation. You may submit a Special Circumstances form to see if adjustments can be made to your FAFSA data. Visit the Special Circumstances page for more information.
Other Payment Options
Parents of dependent students can apply for the Parent PLUS Loan at studentaid.gov using their FSA ID. Parents must meet credit requirements, although PLUS loan requirements are often more lenient than private loans. When a student's parent is denied credit for the Parent PLUS Loan, the student's Unsubsidized loan can be increased by a set amount. Contact the Office of Financial Assistance for more information.
Private loans are offered by private lenders, such as banks, online lenders or credit unions. There are no federal forms to complete.
You are not restricted to the lenders on this list; they are only provided as a starting point based on historical usage. Research and compare private loan options here.
Contact the Business Office at busad@uiwtx.edu for instructions on submitting payments from college savings funds.
Payments are divided evenly over the remaining months in the semester, with no interest. Payment plans are not credit-based, and fees will not be charged unless the payment deadlines are missed. Pay each semester’s balance in monthly payments through the e-Payment Center via GoUIW. Contact the Business Office at busad@uiwtx.edu for instructions and assistance.
Qualified military students and dependents may be eligible for tuition discounts. Contact the Military and Veteran Center at veterans@uiwtx.edu for more information.
Contact the UIW Military and Veteran Center at veterans@uiwtx.edu for more information.