Summer Aid

• Federal Pell Grants will be automatically awarded to undergraduate students for Summer 2025 based on their 2025-2026 FAFSA.
• Pell Grant Award Amounts:
  • Students who are not enrolled for Summer 2025 will receive a projected Pell award based on full-time enrollment (12+ credits).
  • Students who are enrolled for Summer 2025 will have Pell awards offered based upon actual enrollment.
  • Students do not need to contact our office to report summer enrollment changes, our office will automatically update awards based on actual enrollment.
    • Students who do not enroll for Summer 2025 will have their Pell offers cancelled after the last add/drop date for Summer in mid-July

• Have Federal Direct Loan eligibility as determined by your 2025-2026 FAFSA.
• Be enrolled for the Summer Session I and/or Summer Session II terms for at least six (6) credits combined.
  • Audited courses do not count towards enrollment for financial aid purposes.
• Complete a Summer Loan Request
  • The deadline to submit summer loan requests is August 1, 2025.
  • The priority deadline of May 1, 2025. Summer loan requests will be processed as quickly as possible and applicants will not be assessed May late fees.
• Federal loan amounts are regulated by maximum Federal Direct Loan eligibility.
  • If you are eligible to receive a portion of your Federal Direct Loans during the summer session, your yearly Direct Loan offer will be split evenly between the summer, fall and spring semesters.  

*Please note that any loan eligibility utilized for the summer semester will reduce your eligibility for the remainder of the 2025-2026 academic year.

• • If offered, you can accept all or part of the offered loan(s) via myUMBC.
  • Once accepted, funds will appear on your billing account as pending financial aid.
  • A valid Federal Direct Loan Master Promissory Note (MPN) and Entrance Counseling must be on record.
    • If you have not previously borrowed through the Federal Direct Loan program, click here for more information.

Federal Parent PLUS Loan

• The Federal Parent PLUS Loan is a credit-based loan that the parent(s) of a dependent undergraduate student may borrow to help pay educational expenses.
  • Parents must confirm their eligibility by completing a separate Parent PLUS application. Because the loan is credit-based, the application may not be approved.
• Upon credit approval, the Office of Financial Aid and Scholarships will be notified and will process the loan.
  • Once processed, funds will appear on the student’s billing account as pending financial aid.
• Students must be enrolled in the Summer Session I and/or Summer Session II terms for at least six (6) credits combined to be eligible for a Federal Parent PLUS Loan.
  • Audited courses do not count towards enrollment for financial aid purposes.
• Click here for more information about the Federal Parent PLUS Loan option and application process.

Federal Grad PLUS Loan

• The Federal Grad PLUS Loan is a credit-based loan that graduate students may borrow to help pay educational expenses.
  • Students must confirm their eligibility by completing a separate Grad PLUS application. Because the loan is credit-based, the application may not be approved.
• Upon credit approval, the Office of Financial Aid and Scholarships will be notified and will process the loan.
  • Once processed, funds will appear on the student’s account as pending financial aid.
• Students must be enrolled for Summer Session I and/or Summer Session II terms for at least six (6) credits combined to be eligible for a Federal Grad PLUS Loan.
  • Audited courses do not count towards enrollment for financial aid purposes.
• Click here for more information about the Federal Grad PLUS Loan option and application process.

Alternative (Private) Loan

• All eligible students should complete a FAFSA (Free Application for Federal Student Aid) to determine maximum Federal student grant and loan eligibility prior to seeking alternative (private) loan options from a private lender(s).
• A valid application must be submitted to the lender of your choice. Click here for more information about the alternative loan option and application process.
  • SAP requirements vary by lender.
  • Enrollment status requirements vary by lender.
• Upon approval, the Office of Financial Aid and Scholarships will be notified and will process the loan.

• The summer term consists of all Summer Sessions. For this reason, financial aid eligibility will be reviewed following the last add/drop date of Summer Session II.
  • Financial aid will be approved or adjusted based on your final enrollment for the combined Summer Session I and Summer Session II.
  • Financial Aid will be applied to your billing account in mid-July.
• Federal Loans and/or the Federal Pell Grant may not cover your total Summer Session charges.
  • Calculate your anticipated expenses and anticipated summer aid to determine your out-of-pocket cost.
  • Plan for out-of-pocket payment, or consider additional loan options.
• If your anticipated financial aid will not cover your balance and you do not pay the difference prior to your bill due date, a late fee will be assessed.
• If you need to purchase books, and will be awaiting your refund, you may request a book loan to purchase your books at the bookstore.

Summer Scholarships

• The Office of Summer, Winter, and Special Programs offers a limited number of full and partial tuition scholarships.
• These scholarships are available to UMBC degree-seeking undergraduate and graduate students who have a high GPA and are close to graduating.
• Learn more and apply here.
• Please check with the Office of Summer, Winter, and Special Programs for their Summer timeline.

Monthly Payment Plan (MPP)

• UMBC offers the Monthly Payment Plan (MPP) to help budget your out-of-pocket costs not covered by any financial aid.
  • The MPP enables you to pay your bill on an installment basis.
• Contact Student Business Services (SBS) to learn more about the MPP and to apply.

For more information about Summer Session, please visit the UMBC Summer Session Website.