Types of Aid

There are various forms of Financial Aid at Texas A&M University-San Antonio, which consists of grants, student employment, scholarships, and loans. These forms of financial aid are available to any students who qualify. In order to qualify, the student must complete a Free Application for Federal Student Aid (FAFSA). Below is a list of financial aid available to students:

Federal Grants


The Federal Pell Grant Program helps eligible students defray the cost of their college education. The Pell Grant is a Federal Aid Program designed to provide a “Foundation” of financial assistance to all undergraduate students and may be combined with other forms of aid to meet the full cost of education.

Criteria for Eligibility:

  • Demonstrated financial need based on the EFC as derived from the FAFSA
  • Be a U.S. citizen or an eligible noncitizen
  • Student must be enrolled in an eligible as a degree-seeking student
  • Student must be an undergraduate who has not earned a first baccalaureate degree
  • Student must meet the requirements of the Satisfactory Academic Progress Policy

Details:

The award maximum is $6,495 for the 2022-2023 year.

The amount received will depend on:

  • Financial need
  • Cost of Attendance
  • Enrollment status. If enrolled less than full-time, you will receive a reduced amount.
  • Plans to attend for the full academic year or less (ex. Fall semester only)

Pell Grant eligibility will usually be limited to 180 earned hours of undergraduate study or the equivalent of 12 semesters based on full-time enrollment. Eligibility must be established each year based on the FAFSA. You may not receive Federal Pell grant funds from more than one school at a time


The SEOG program was established to assist in making the benefits of college education available to qualified student who, for lack of financial means of their own or their families, would be unable to obtain such benefits without the grant.

Criteria for Eligibility:

  • A student should demonstrate exceptional financial need and be eligible for a Pell Grant and have a 0 EFC (Expected Family Contribution) as derived from the FAFSA. Exceptional financial need is established if the students’ family resources do not exceed 50% of the cost of education.
  • Be a U.S. citizen or an eligible noncitizen
  • Student must be enrolled in an eligible as a degree-seeking student
  • Student must be an undergraduate who has not earned a first baccalaureate degree
  • Student must meet the requirements of the Satisfactory Academic Progress Policy

Details:

The amount will vary and will depend on:

  • Financial need
  • Cost of Attendance
  • Enrollment status of at least half-time. If enrolled less than full-time, you will receive a reduced amount.
  • Plans to attend for the full academic year or less (ex. Fall semester only)

State Grants


This program is to provide a grant to enabled well-prepared eligible students to attend institutions of higher education in the state of Texas. To be considered for this grant, students should submit the Free Application for Federal Student Aid (FAFSA) or Texas Application for State Financial Aid (TASFA). Funding is limited so students are encouraged to apply as early as possible. The amount of the award is determined by the institution but the amount at minimum is equal to the student's tuition and required fees.

Criteria for Eligibility:

To receive a basic initial award through the TEXAS Grant Program, a Baccalaureate student must:

    • Be registered with Selective Service, or be exempt;
    • Have a 9 month EFC of no more than $6,454;
    • Be classified by the institution as a Texas resident;
    • Have not been convicted of a felony or crime involving a controlled substance;
    • Be enrolled at least three-quarter time as:

A Baccalaureate student who:

    • graduated from an accredited public or private high school in Texas;
    • completed the Foundation, Recommended, or Distinguished Achievement high school program (or the equivalent); and
    • enrolled in an undergraduate degree or certificate program at an approved institution within 16 months from high school graduation having not accumulated more than 30 SCH’s (excluding credits for dual enrollment or by examination); OR

A Baccalaureate student who:

    • earned an associate’s degree from a public or private nonprofit institution of higher education in Texas, and
    • enrolled in an eligible institution within 12 months after receiving the associate’s degree; OR

A Baccalaureate student who:

    • graduated from an accredited public or private high school in Texas May 1, 2013 or later;
    • completed the Recommended or Distinguished Achievement high school program (or its equivalent); and
    • enlisted in military service within 12 months of high school graduation and enrolled in an eligible GATI within 12 months of receiving an honorable discharge; OR

A Baccalaureate student who:

    • transferred into a public university in Texas with at least 24 SCH’s and a minimum 2.5 GPA; and
    • received an initial year (IY) Texas Educational Opportunity Grant (TEOG) in Fall 2014 or later;

To receive an Renewal (RY) award through the TEXAS Grant Program, a student must:

    • Be enrolled at least three-quarter time as an undergraduate student who previously received a TEXAS Grant award and has not yet been granted a baccalaureate degree;
    • Have not been convicted of a felony or crime involving a controlled substance.
    • Have a calculated financial need;
    • Maintain satisfactory academic progress (SAP): At the end of the first year: meeting Institutional SAP; At the end of all years preceding the first year: 2.5 Cumulative GPA and 24 Semester Credit Hours in an Academic Year

Maximum Time Frame is the first of:

Recipient entering the program as a high school graduate

    • 5 years from the start of the semester in which the student received the first award if in a degree plan of 4 years or less;
    • 6 years from the start of the semester in which the student received the first award if in a degree plan of more than 4 years;
    • 150 SCH attempted while receiving the grant; or
    • completion of a baccalaureate degree.

Recipient entering the program with an associate’s degree

    • 3 years from the start of the semester in which the student received the first award if in a degree plan of 4 years or less;
    • 4 years from the start of the semester in which the student received the first award if in a degree plan of more than 4 years;
    • 90 SCH attempted while receiving the grant; OR
    • completion of a baccalaureate degree

Recipient entering the program as a transfer student

    • if 1st award was made out of high school, no more than 150 SCHs,
    • if 1st award was made after obtaining an associate's degree, no more than 90 SCHs; OR
    • completion of a baccalaureate degree

Beginning with awards for the 2015-2016 academic year, a student's eligibility for TEXAS Grant ends once he or she has attempted 150 semester credit hours or the equivalent unless the student is granted a hardship extension.

Hardship Appeal

To be eligible for the TEXAS Grant Renewal Award, recipients must meet all eligibility requirements. Under certain circumstances, an ineligible student may be considered for a hardship review. Examples of extenuating circumstances include, but are not limited to:

    • Less than 9 credit hour needed to complete degree plan- Must be enrolled at least 6 credit hours
    • Extended hospitalization or medical condition of student that impacted academic performance
    • Major hospitalization of an immediate family member that impacted academic performance
    • Other extraordinary circumstances that prevented student from meeting renewal requirements

To be considered for a hardship, submit a Texas Grant Appeal. The appeal must include the appeal application, a typed personal statement explaining extenuating circumstance, and supporting documentation. Submission of the appeal does not guarantee approval.

Please note, students enrolled less than half-time (6 credit hours) cannot be considered for a hardship and are not eligible for the TEXAS Grant Award.

Institutional Grants


The Texas Public Educational Grant program was established in 1975 to furnish financial assistance to needy students attending institutions of higher learning in Texas. Awards approved through this program are derived from a combination of federal and state funds.

Criteria for Eligibility:

Details:

The maximum award is $2,000 and based on:

  • Financial need
  • Cost of Attendance
  • Enrollment status of at least half-time. If enrolled less than full-time, you will receive a reduced amount.
  • Plans to attend for the full academic year or less (ex. Fall semester only)

The Undergraduate Tuition Grant is awarded to students who have financial need and are Texas residents but not eligible for the Texas Grant.

Criteria for Eligibility:

Details:

The maximum award is $2,000 and based on:

  • Financial need
  • Cost of Attendance
  • Enrollment status of at least half-time. If enrolled less than full-time, you will receive a reduced amount.
  • Plans to attend for the full academic year or less (ex. Fall semester only)

The Graduate Tuition Grant is awarded to student’s seeking a Master’s degree or teacher certification who have financial need and are Texas residents.

Criteria for Eligibility:

Details:

The maximum award is $2,000 and based on:

  • Financial need
  • Cost of Attendance
  • Enrollment status of at least half-time. If enrolled less than full-time, you will receive a reduced amount.
  • Plans to attend for the full academic year or less (ex. Fall semester only)

Student Employment


The primary purpose of the Federal and State Work-Study Program is to provide jobs for student with financial need, allowing them to earn money to help pay educational or living expenses. Working on campus will help you develop skills and knowledge, giving you a competitive edge to jumpstart your career. Participating in the work study program is a way to get you started on your professional journey.   The program is designed for those students who have great financial need.

To apply for student employment, visit handshake.

Criteria for Eligibility:

Details:

The maximum award is $5,000 and based on:

  • Financial need
  • Cost of Attendance
  • Enrollment status of at least half-time, which is 6 credits.
  • Plans to attend for the full academic year or less (ex. Fall semester only)

Work study students are not guaranteed a job.   The earnings are not paid in advance.   Earning paid directly to the student.  Work study employment cannot be awarded to a student if that award, when combined with all other resources would exceed the student’s need.

Federal Direct Loans

The Direct Loan Program is provided and administered by the Federal government, U.S. Department of Education. This loan is designed to help students pay for tuition, fees, books, and living expenses. Student loans must be repaid.   Student loan borrowing cannot exceed the cost of attendance, nor may you borrow over the annual and lifetime aggregates that are set for the Direct Loan. The Department of Education assesses an origination fee on each loan upon disbursement. The type of loan you are offered is based upon the results of the FAFSA.

The following tables provides the fixed interest rates and origination fees for new Direct Loans first disbursed on or after for July 1, 2021 to July 1, 2022. These rates will apply to new Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans made during this time.

Federal Direct Loan Interest

Undergraduate

2021 - 2022 Aid Year
(07/01/2021 – 06/30/2022)

Direct Subsidized Loan

3.73%

Direct Unsubsidized Loan

3.73%

Direct Parent PLUS Loan

6.28%

 

Graduate or Professional

2021 - 2022 Aid Year
(07/01/2021– 06/30/2022)

Direct Unsubsidized Loan

5.28%

Direct Graduate PLUS Loan

6.28%


Visit for  more information .

Federal Direct Loan Fees

Federal Loan Type

First Disbursement Date:
(10/01/2021 – 09/30/2022)

Direct Subsidized Loan

1.057%

Direct Unsubsidized Loan

1.057%

Direct Parent PLUS Loan

4.228%

Direct Graduate PLUS Loan

4.228%

Loan fees are subtracted from your loan prior to the funds being paid to the university. This means the lesser amount is what is actually disbursed to your university bill.

Visit for  more information .


The Direct Subsidized Loan is awarded on the basis of need. You will not be charged any interest while you are in school (at least half-time) or in a grace or deferment status.  

The new Moving Ahead for Progress in the 21st Century Act (MAP-21) regulation is going into effect for first time borrowers on or after July 1, 2013. The regulation states that borrowers are no longer eligible to receive additional Direct Subsidized Loans if the period during which the borrower has received such loans meets or exceeds 150 percent of the published length of the program in which the borrower is currently enrolled.


The Direct Unsubsidized Loan is not awarded on the basis of need.   The borrower is fully responsible for paying the interest regardless of the loan status. Interest on unsubsidized loans accrues from the date of disbursement and continues through the life of the loan.


Direct Parent PLUS Loans are available to credit-worthy parents of dependent students who enroll at least half time (six credit hours per semester) and are meeting Satisfactory Academic Progress (SAP).

Criteria for Eligibility:

  • Available to the  parent of a dependent age undergraduate student enrolled at least half-time (6 units).
  • A credit check is required. 
    • Please note: If you have your account on a credit freeze, please contact Transunion and Equifax to lift the hold for two weeks before you apply.
  • The student must complete a  FAFSA each academic year. 
  • Must reapply for the Plus loan for any future academic years. 

Steps to Apply:

  1. Create or Locate your  FSA ID  Username or Password
  2. Choose:  Parent PLUS application .
  3. Complete the application and proceed to decision results
  4. Complete the Parent Authorization Form.

Steps After You Apply:

Read the results page carefully for next steps.

If approved, complete the Master Promissory Note and Entrance Counseling. The credit decision is only valid for 6 months after the date of the application. If you would like to increase the loan after the 6 months, you must reapply. 

If denied, the applicant must decide how to move forward. If a dependent student would like to request the additional unsubsidized loan and the parent selected options 1,2, or 4, the parent must submit a signed statement to the financial aid office indicating they will not pursue an Endorser or Appeal the credit decision. 

  1. I want to obtain an endorser.
    • This option requires the applicant to find a credit-worthy cosigner to complete an Electronic Endorser Addendum. The endorser will determine the amount of the loan. Only the endorser can increase the loan amount by completing a new addendum within the 6 months the credit decision is till active. 
    • Applicant must complete PLUS Credit Counseling
    • Applicant must complete a Master Promissory Note (MPN)
    • After all steps are completed, the student or applicant must notify the financial aid office that the requirements have been met to proceed with processing the loan.
  1. I want to provide documentation of extenuating circumstances.
    • This option requires the applicant to Appeal Credit Decision
    • If approved the applicant must complete Plus Credit Counseling
    • The applicant must complete a Master Promissory Note (MPN)
    • After all steps are completed, the student or applicant must notify the financial aid office that the requirements have been met to proceed with processing the loan.
  2. I do not want to pursue a Direct Plus Loan at this time.
    • An undergraduate dependent student may be eligible for an additional $4,000 of Federal Direct Unsubsidized Loan. To request the additional loan, the student must notify the financial aid office via their Jagwire email account.   The additional loan will be offered and can be accepted through the portal by following these instructions.  
  3. Undecided.
    • No action is taken.

FAQ's

  • Can both parents apply for a plus loan in the same year? Yes,  if the parents would like to split the responsibility of financing, they may apply using separate applications.  
  • More FAQ's

The Federal Direct Graduate PLUS (Grad PLUS) loan is an affordable, low interest loan for graduate and professional students. You can borrow up to the total cost of attendance (minus any other financial aid awarded). If you are denied the Graduate PLUS loan due to an adverse credit history, you will not be eligible for any additional Unsubsidized Direct Loan.

Criteria for Eligibility:

  • Available to the graduate student enrolled at least half-time (6 units).
  • A credit check is required. 
    • Please note: If you have your account on a credit freeze, please contact Transunion and Equifax to lift the hold for two weeks before you apply.
  • The student must complete a  FAFSA each academic year. 
  • Must reapply for the Plus loan for any future academic years. 

Steps to Apply:

  1. Create or Locate your FSA ID Username or Password
  2. Choose:  Graduate PLUS application .
    1. Complete the application and proceed to decision results

Steps After You Apply:

Read the results page carefully for next steps.

If approved, complete the Master Promissory Note and Entrance Counseling. The credit decision is only valid for 6 months after the date of the application. If you would like to increase the loan after the 6 months, you must reapply. 

If denied, the applicant must decide how to move forward. 

  1. I want to obtain an endorser.
    • This option requires the applicant to find a credit-worthy cosigner to complete an Electronic Endorser Addendum. The endorser will determine the amount of the loan. Only the endorser can increase the loan amount by completing a new addendum within the 6 months the credit decision is till active. 
    • Applicant must complete PLUS Credit Counseling
    • Applicant must complete a Master Promissory Note (MPN)
    • After all steps are completed, the student or applicant must notify the financial aid office that the requirements have been met to proceed with processing the loan.
  1. I want to provide documentation of extenuating circumstances.
    • This option requires the applicant to Appeal Credit Decision
    • If approved the applicant must complete Plus Credit Counseling
    • The applicant must complete a Master Promissory Note (MPN)
    • After all steps are completed, the student or applicant must notify the financial aid office that the requirements have been met to proceed with processing the loan.
  2. I do not want to pursue a Direct Plus Loan at this time.
    • You are not eligible for any other federal aid.

Additional Direct Loan Information


Annual and lifetime (total debt) limits for subsidized and unsubsidized student loans are mandated by the U.S. Department of Education. The amounts include the outstanding principal balance on the loans (excluding interest and other charges).

Dependent Undergraduate Students
Subsidized Loan Additional Unsubsidized
Freshman $3,500 $2,000
Sophomore $4,500 $2,000
Junior/Senior $5,500 $2,000
Maximum Total Debt $31,000 ($23,000 may be Subsidized)
Independent Undergraduate Students
Subsidized Loan Additional Unsubsidized
Freshman $3,500 $6,000
Sophomore $4,500 $6,000
Junior/Senior $5,500 $7,000
Maximum Total Debt $57,500 ($23,000 may be Subsidized)
Graduate/Professional Students
Unsubsidized Loan $20,500
Maximum Total Debt $138,500 ($65,500 may be Subsidized)

All "Maximum Total Debt" amounts (lifetime limits) include both DIRECT and FFELP subsidized and unsubsidized loans.

The graduate total debt limit includes subsidized and unsubsidized student loans received during undergraduate study.

Beginning Fall 2012, Federal Direct Subsidized Loans will no longer be offered to graduate students.

Alternative Loans


Alternative (private) loans are administered and processed by private lending institutions to be used for educational costs.

Exhaust Federal Student Aid Options First

Alternative loans are not part of the Federal student loan programs and should be used for circumstances where you have exhausted all other options in regards to financing your education. We highly recommend that you apply for financial aid using the Free Application for Federal Student Aid (FAFSA) prior to seeking an Alternative loan option with this application. You may be eligible for the Federal William D. Ford Direct loan. Benefits of the Direct loan over an Alternative loan may include lower interest rates and greater repayment options.

Plan ahead

As a result of the Truth in Lending Act (TILA) of 2009, borrowers will be required to submit a Private Education Loan applicant Self-Certification to their lender before funds can be disbursed. Your lender will provide you with this form when you apply for the Private Alternative loan.

Points to consider when choosing a lender:

    • Interest rates-interest may be capitalized. Therefore, increasing the amount of money you ultimately owe. Consider using a cosigner. You may qualify for slightly lower rates.
    • Fees-Interest rates and fees that your pay are based on your credit score and the credit score of your cosigner if you choose to use a cosigner.
    • Borrower Benefits-these vary by lender.
    • Repayments Terms- Some lenders required you to pay while you are in school. Others will defer payments until after graduation.

The choice in YOURS. You are free to choose any lender for the Alternative loan. Borrowing an Alternative (private) loan is based on credit checks and should only be done after reviewing all of your funding options and contacting different lenders for the best terms.

Students, who would like to access a neutral and comprehensive comparison chart, please visit FASTChoice Solutions.

FASTChoice is a loan comparison tool that assists borrowers in deciding on a private loan that is best suited for their needs. We do not recommend, suggest, or endorse any of the lenders. Students are not limited to the lenders listed in the chart and may borrow from any lender of their choice by directly visiting the web site of the lender they wish to borrow

Scholarships


General Scholarships are awarded through the Office of Financial Aid and Scholarships. The General Scholarships vary in eligibility requirements and award amounts. Annual scholarships can change at any time and are dependent upon renewed funding from donors.

Scholarships are extremely limited and highly competitive. Each year hundreds of qualified students apply for scholarships; unfortunately, not all receive awards. In the event that additional scholarships become available during the year, students have a ScholarshipUniverse account and have matched to the A&M-San Antonio general scholarships will be re-evaluated as potential recipients.

Click here for more information about scholarship opportunities at Texas A&M University-San Antonio.


Private/Outside Scholarships are scholarships from donors outside of A&M-San Antonio. Students can find applications from these outside organizations throughout the year by conducting web searches, contacting local organizations, etc. Students are encouraged to develop a scholarship search strategy. Students can begin with a visit to the Office Financial Aid and Scholarships at A&M-San Antonio. Our Financial Aid Advisors may be able to provide you with information about scholarships for student's transferring from community colleges to A&M-San Antonio. They may also be aware of local scholarships in your area. In addition, students are encouraged to create an account on our all-new easy scholarship matching platform-ScholarshipUniverse.  Once students start to answer questions about themselves, it will automatically match them to both external scholarships that have been verified.