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 post-secondary 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. To qualify, a student must demonstrate financial need. The amount of the grant is based on the computed Expected Family Contribution (EFC), the level of funding, and the cost of education. Students enrolled for less than full time will receive a reduced grant award in accordance with federal grid tables. Pell Grant eligibility will usually be limited to 195 earned hours of undergraduate study. Eligibility must be established each year.

Criteria for Eligibility:

  • 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

Starting with the 2012-2013 school year, Public Law 112-74 amended the HEA section401 (c) (5) to reduce the duration of a student’s eligibility to receive a Federal Pell Grant to 12 semesters (or its equivalent). The calculation of the duration of a student’s eligibility will include all years of the student’s receipt of Federal Pell Grant funding.

Information on the webpage is subject to change due to changes in Federal Guidelines.


The SEOG program was established to assist in making the benefits of post-secondary education available to qualified student who, for lack of financial means of their own or if their families, would be unable to obtain such benefits without the grant. The Supplemental Educational Opportunity Grant (SEOG) provides grants to students who demonstrate the greatest financial need. Students must be eligible for the Pell Grant and demonstrate exceptional financial need. Eligible students must be citizens or permanent residents of the U>S> who are accepted for admission and are enrolled at least half-time as undergraduate students, and are maintaining Satisfactory Academic Process.

Criteria for Eligibility:

  • A student must meet all Title IV requirements.
  • A student should demonstrate exceptional financial need and be eligible for a Pell Grant and have a 0 EFC (Expected Family Contribution). Exceptional financial need is established if the students’ family resources do not exceed 50% of the cost of education.
  • A student must be an undergraduate who has not earned a first baccalaureate degree.
  • A student cannot be enrolled in a seminary or in a program leading to ordination or licensed to preach for a religious sect or be a member of a religious order.

State Grants


This program is to provide a grant to enabled well-prepared eligible students to attend public and private non-profit 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 $5,233;
    • 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 public institutions of higher learning in Texas. Awards approved through this program are derived from a combination of federal and state funds. Students must be United States citizens, national, or permanent residents of the United States, maintain satisfactory academic progress, and demonstrate financial need. The maximum award is $4,000 per academic year. Students enrolled for less than full-time will receive a prorated grant award. A minimum of half-time enrollment is required.


Students must be United States citizens, national, or permanent residents of the United States, maintain satisfactory academic progress, and demonstrate financial need. The maximum award is $4,000 per academic year. Students enrolled for less than full-time will receive a prorated grant award. A minimum of half-time enrollment is required.


Students must be United States citizens, national, or permanent residents of the United States, maintain satisfactory academic progress, and demonstrate financial need. The maximum award is $4,000 per academic year. Students enrolled for less than full-time will receive a prorated grant award. A minimum of half-time enrollment is required.

Student Employment


The primary purpose of the CWSP is to stimulate and to promote the part-time employment of students. The program is designed for those students who have great financial need and who are in need of the earnings to pursue a course of study in an institution of post secondary education .

Federal College Work-Study Program (CWSP) is for students who qualify for student financial aid. Part-time Student Employment Program if for students who do not qualify or do not apply for student financial aid.

Federal Direct Loans

The Direct Loan Program is provided and administered by the Federal government, U.S. Department of Education. 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 Subsidized Direct Loan is awarded on the basis of need. You will not be charged any interest prior to repayment or during any authorized periods of deferment. The federal government pays the interest on the loan until the time of repayment.

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 Unsubsidized Direct Loan is not awarded on the basis of need. You are responsible for any accruing interest during in-school and deferment periods. Interest accruing during those periods may be paid or capitalized as agreed by the borrower and lender.


Federal Direct PLUS loans are available to the parents of dependent, undergraduate students and graduate students. To receive a Direct PLUS Loan, the student must complete the FAFSA form. The Office of Scholarships & Financial Aid will provide instructions about the process for denied Parent PLUS applications. Applying for a Direct PLUS Loan can be done online through studentloans.gov. The applicant may only borrow up to the Cost of Attendance (excluding any other financial aid). All funds are received electronically and are posted to the student's billing account to pay university authorized tuition and fees. For more information please visit the student loans website. .


The Federal Direct Graduate PLUS (GradPLUS) 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.

Additional Direct Loan Information


The chart below displays the resultant interest rates for Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans first disbursed on or after July 1, 2016 and before July 1, 2017.

Loan Type Borrower Type Interest Rate
Direct Subsidized Loans Undergraduate Borrowers 3.76%
Direct Unsubsidized Loans Undergraduate Borrowers 3.76%
Direct Unsubsidized Loans Graduate/Professional Borrowers 5.31%
Direct PLUS Loans Parents of Dependent Undergraduate Students and Graduate/Professional Borrowers 6.31%

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. An Alternative loan is an agreement between the borrower, cosigner and the lender. At this time Texas A&M University-San Antonio does not have a preferred lender list.

Scholarships


General Scholarships are awarded through the Office of Scholarships and Financial Aid. The General Scholarship Application must be completed to be considered for all A&M-SA General 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. Applications will be kept on file for the academic year. In the event that new scholarships become available during the year, these applications will be re-evaluated as potential recipients if students meet the scholarship criteria.

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 of Scholarships and Financial Aid at A&M-SA. Our Financial Aid Officers may be able to provide you with information about scholarships for student's transferring from community colleges to A&M-SA. They may also be aware of local scholarships in your area.