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Estimate Your Financial Aid Award

Step 1: Complete the FAFSA (Free Application for Federal Student Aid)

Step 2: Determine Your Pell Eligibility

The FAFSA will provide you with an estimated Expected Family Contribution (EFC).  This number is important when determining the types of aid you for which you are eligible.

Step 3: Determine Your Stafford Loan Eligibility

Federal Loan limits are established based on your dependency status and grade level.  Below is the Stafford Loan eligibility chart. For example, if you are a dependant Sophomore, you can expect $6,500 in Stafford loans (as long as it fits within your Cost of Attendance). 

  Dependent Undergraduate Student Independent Undergraduate Student Graduate and Professional Student
Freshman year
0-29 credit hrs
$5500 (maximum subsidized $3500) $9,500 – No more than $3500 may be in subsidized loans  
Sophomore year
30-59 credit hrs
$6500 (maximum subsidized $4500)  $10500 - No more than $4500 of this amount may be in subsidized loans $20,500 - No more than $8500 may be in subsidized loans and $12,000 unsubsidized
Junior
60-89 credit hrs

Senior
90+ credit hrs
$7500
(maximum subsidized $5500)
$12,500 - No more than $5500 of this amount may be in subsidized loans  
Maximum Total Debt From Stafford Loans When You Graduate $31,500
maximum subsidized $23,000)
$57,500 - No more than $23,000 of this amount may be in subsidized loans $138,500 - No more than $65,500 may be in subsidized loans.
The graduate debt limit includes Stafford Loans received for undergraduate study.

Step 4: Add Pell, Loans, and Athletics Scholarship Amounts

Use the totals from steps 2 and 3 and add the amount of Athletic Scholarships you are planning on receiving.

Step 5: Review the UTSA Cost of Attendance

You will want to review the UTSA Cost of Attendance and compare your award totals from Steps 2 through 4.  Keep in mind that this Cost of Attendance is an estimate of what your actually expenses may be at UTSA.  Your tuition and fees will vary based on the number of hours that you are taking; your room and board will vary based on where you live, etc.

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