Summer Aid 2018

Am I eligible for Summer 2018 aid?

Do you need to know if you have eligibility for summer financial aid? Are you participating in a Study Abroad program this summer? Do you have aid and want to know when your aid will be credited to your student account (disbursed)? The Financial Aid and Scholarship Office (FASO) is here to answer your questions and guide you through the process.

Unfortunately, very limited financial aid is available for summer semesters. Many scholarship and grant programs are restricted to fall and spring payment and loan programs have annual limits that many students exhaust during the school year.

Summer aid packaging for Study Abroad and mid-May start students will begin in late April.

Summer aid packaging for June start students will begin in mid-May.

General Information

  • Summer aid eligibility is based on the actual hours and weeks a student attends.
    • Summer aid cannot be awarded until a student is registered and can only consider active registration.
    • Students will be packaged in order of start date of first course.
      • Study Abroad and May start students will be packaged before June start students.
  • Summer is the final semester of the 2017-2018 academic year.
    • 2017-2018 FAFSA required.
    • For aid programs, such as the Federal Direct Subsidized and Unsubsidized Loans, the statutory annual loan limit applies to the combined amount borrowed for Fall 2017, Spring 2018 and Summer 2018
  • Students must meet all general and program eligibility criteria including Satisfactory Academic Progress, minimum enrollment level, have not exceeded program lifetime limits and be admitted to and enrolled in an eligible degree program.
  • At least half-time enrollment is required for all Federal Direct Loans including Parent PLUS and Grad PLUS.
  • For summer, half-time enrollment is defined as: Undergraduate: 6 credit hours / Law: 4 credit hours / Graduate: 3 credit hours

For more information and to determine if you are eligible for Summer aid, select your degree level.

Not available for Summer

The State of Illinois Monetary Award (MAP Grant) and most NIU need and merit grants and scholarships are restricted to fall and spring semesters.

May be available for Summer

Federal Pell Grant
  • Most* Pell eligible students enrolled in 6 or more credit hours are eligible for additional Pell for Summer. For 6 hours, Summer Pell will be 50% of the amount a student received for one full-time semester during the traditional school year.
  • Some* Pell eligible students enrolled in less than 6 hours, who did not use their full year Pell award during the school year, may be eligible for summer Pell.

*See Summer 18 Aid Checklist

Read more about Summer Pell Grant

Additional Pell Grant Eligibility for Summer

The Federal Government recently made changes to the Pell Grant rules that can have an impact on the affordability of taking NIU summer classes. Students who qualify for the Pell Grant may now utilize part of their lifetime Pell Grant eligibility early for summer semesters, if they enroll at least half-time, 6 credit hours. The grant can be applied to summer tuition and fees.

Pell Grants have both an annual award limit and a lifetime usage limit. Lifetime Pell Grant eligibility is the equivalent of 12 full-time semesters or 6 academic years comprised of a fall and spring. Usage is prorated for students who attend a semester(s) less than full-time.

Prior to the 2017-2018 year, a student could not exceed the annual award including summer.

Effective for the summer 2018 semester, student who used their full-time Pell Grant award during the fall and spring semesters, may be eligible for additional Pell for the summer, if they enroll in and attend 6 credit hours. Students must first use 100% of their annual Pell limit to be eligible for the additional summer Pell.

A student who has not used 100% of their 2017-18 Pell Grant and has a qualifying EFC* may use the annual remainder prorated for enrollment if they are enrolled in at least 3 hours. If the student is registered in 6 or more hours, the student qualifies for the additional Pell up to 50% of their annual award based on their summer enrollment level.

Loans

Students must be registered in 6 or more hours to borrow from federal loan programs. Some private loan programs may approve applicants for less than 6 hours.

The total amount borrowed cannot exceed summer cost of attendance less all other aid. Cost of attendance includes tuition and fees, an allowance for books, transportation and living expenses. Living expenses are prorated for the actual weeks of attendance. Students who drop and add classes may have a change in eligibility even if the total hours remain the same. Example: A student taking 6 hours of courses over 8 weeks will have a larger cost of attendance than a student taking 6 hours scheduled for only 4 weeks.

Federal Direct Subsidized and Unsubsidized Loans

Students who did not borrower their full annual loan limit for fall and spring can borrow the remainder of the annual limit up to cost of attendance less other aid if they enrolled in 6 or more hours. The subsidized portion is restricted to need less other need based aid.

Annual loan limits:

Grade Level Dependent Independent or Dependent with PLUS denial
Year1(0-24 hours) $5,500-Up to $3,500 of this amount may be in subsidized loans. $9,500-Up to $3,500 of this amount may be in subsidized loans.
Year2 (25-48 hours) $6,500-Up to $4,500 of this amount may be in subsidized loans. $10,500-Up to $4,500 of this amount may be in subsidized loans.
Year 3-4(49+ hours) $7,500-Up to $5,500 of this amount may be in subsidized loans. $12,500-Up to $5,500 of this amount may be in subsidized loans.
Lifetime $31,000-Only $23,000 of this amount may be in subsidized loans. $57,500-Only $23,000 of this amount may be in subsidized loans.

Parent PLUS loan

Dependent students whose parents have an approved PLUS loan application may borrow up to the summer cost of attendance less other aid.

Private Loan

Student loans are available from private lenders. Loan applications are initiated with the individual lender. NIU will receive loan applications electronically. Students should verify eligibility criteria with each lender. For more information and a list of lenders go to  finaid.org

Students who have an approved private loan application may borrow up to the summer cost of attendance less other aid.

Will I get summer 2018 Aid Checklist

Review this checklist to determine if you may have summer aid eligibility

  • I may be eligible for Pell if:
    • I have an EFC less than 4701 and will enroll in 6 or more hours, or
    • I have an EFC less than 5101 and will enroll in 9 or more hours, or
    • I have an EFC less than 5329 and will enroll in 12 or more hours, or
    • I did not attend Fall 17 and/or Spring 18 and have an EFC less than 3601 and will enroll in less than 6 hours. 
      Eligibility based on cost of attendance.
    • I was less than full-time Fall 17 and/or Spring 18 and have an EFC less than 3601 and will enroll in less than 6 hours. Eligibility based on cost of attendance.
  • I may be eligible for a Federal Direct Subsidized or Unsubsidized Loan if:
    • I enroll in 6 or more hours and have not borrowed my full 2017-2018 annual loan limit.
  • I may be eligible for a parent PLUS loan if:
    • I am a dependent student, will enroll in 6 or more hours and my parent has applied and been approved for a Summer 2018 Federal PLUS Loan
  • I may be eligible for a private loan if:
    • I have an approved private loan application for Summer 2018 and meet the lender’s eligibility criteria.

Students must be registered in 3 or more hours to borrow from federal loan programs.

The total amount borrowed cannot exceed summer cost of attendance less all other aid. Cost of attendance includes tuition and fees, an allowance for books, transportation and living expenses. Transportation and living expenses are prorated for the actual weeks of attendance. Students who drop and add classes may have a change in eligibility even if the total hours remain the same. Example: A student taking 6 hours of courses over 8 weeks will have a larger cost of attendance than a student taking 6 hours scheduled for only 4 weeks.

Federal Direct Unsubsidized Loans

Students who did not borrow $ 20,500 for fall and spring can borrow the remainder of this annual limit up to cost of attendance less other aid if they enroll in 3 or more hours.

Grad PLUS Loans

Students who have an approved PLUS loan application may borrow up to the summer cost of attendance less other aid.

Private Loans

Students who have an approved private loan application may borrow up to the summer cost of attendance less other aid.

Students must be registered in 4 or more hours to borrow from federal loan programs.

The total amount borrowed cannot exceed summer cost of attendance less all other aid. Cost of attendance includes tuition and fees, an allowance for books, transportation and living expenses. Transportation and living expenses are prorated for the actual weeks of attendance. Students who drop and add classes may have a change in eligibility even if the total hours remain the same. Example: A student taking 6 hours of courses over 8 weeks will have a larger cost of attendance than a student taking 6 hours scheduled for only 4 weeks.

Federal Direct Unsubsidized Loans

Students who did not borrow $20,500 for fall and spring can borrow the remainder of this annual limit up to cost of attendance less other aid if they enroll in 4 or more hours.

Grad PLUS Loans

Students who have an approved PLUS loan application may borrow up to the summer cost of attendance less other aid.

Private Loans

Students who have an approved private loan application may borrow up to the summer cost of attendance less other aid.

Contact Us

Financial Aid and Scholarship Office
Swen Parson Hall 245
815-753-1395
finaid@niu.edu

For scholarship-specific questions

scholarships@niu.edu

Additional Contact Info