Student Consumer Information

The University of North Dakota recognizes that your education is an important investment. The Office of Student Finance is here to assist you and your family with identifying resources to pay for your education. Financial aid resources come in the form of grants, loans, work study and scholarships.  

UND's CODE OF CONDUCT FOR FINANCIAL AID PROFESSIONALS

The U.S. Department of Education (the Department) publishes cohort default rates based on the percentage of a school’s borrowers who enter repayment on Direct Loan Program loans during a federal fiscal year (October 1–September 30) and default before the end of the second following fiscal year.

Current Cohort Default Rates

To be considered for aid, you must complete the Free Application for Federal Student Aid (FAFSA), available online at www.studentaid.gov, each year for the upcoming academic year that begins in the upcoming fall term. Applying online is faster and more accurate than submitting a paper application. However, you may request a paper application at the FAFSA website if you prefer to complete a paper form. The FAFSA is available in both English and Spanish. Be sure to include the University of North Dakota’s Federal School Code of 003005 to release your information to UND.

• FAFSA Online 
• Financial aid eligibility criteria 
• Financial aid for study abroad

You Have the Right To

• Be informed about financial aid application procedures, cost of attendance, aid available and renewal requirements.
• Have the confidential protection of your financial aid records (i.e., the contents of your financial aid file are maintained in accordance with the Family Educational Rights & Privacy Act).
• Appeal decisions made by the financial aid staff at the University of North Dakota. A written appeal must be submitted to the UND Office of Student Finance.

You Have the Responsibility To

• Complete applications and forms accurately and on-time.
• Read and understand all materials sent to you from the UND Office of Student Finance and other financial aid agencies.
• Keep copies of all forms and materials submitted.
• Know and comply with the rules governing your aid programs.
• Comply with the provisions of any promissory note and all other agreements you sign.
• Register for the number of credit hours required and maintain satisfactory academic progress.
• Request personal assistance if you have questions or don't understand the information provided to you.

The Family Educational Rights & Privacy Act (FERPA) establishes certain rights for students regarding the privacy of their educational records. While parents/guardians/spouses and others may have an interest in the student's record, access to or release of the educational record is only by written student consent.

The Cost of Attendance (COA) is the estimated amount you can expect to pay for the academic year. The COA includes the direct costs to the institution (tuition, fees, room and meal plans, and books) while the indirect costs include transportation and other miscellaneous expenses. Indirect costs will vary among students.

Allowable Costs in a COA

• Tuition and Fees
• Books Course Materials, Supplies, and Equipment
• Transportation
• Miscellaneous Personal Expenses
• Living Expenses (Food and Housing) for students enrolled in at least half time status
• Dependent Care Costs
• Costs of obtaining a license, certification, or first professional credential
• Costs for Study Abroad Programs
• Disability Related Expenses
• Cooperative Education program employment costs
• Fees for Federal Student Loans

For more information on Cost of Attendance, please see FSA Handbook.

Cost Resources

• UND Net Price Calculator (cost and financial aid estimator)
• UND Tuition and Mandatory Fee Information
• UND Room and Meal Plan Rates
• Cost of attendance (undergraduate, graduate, and professional

Financial assistance is available for Federal, State, and Institutional Programs.

• Grants - Graduate
• Grants - Undergraduate
• Loans - Undergraduate
• Loans - Graduate and Law
• Loans - Medical School
• Scholarships - Undergraduate
• Scholarships - Graduate
• Scholarships - Law
• Scholarships - Medical School
• Federal Work Study

You may charge books and related supplies at the University Bookstore using anticipated financial aid disbursement during a specific period of time each semester.

You're not required to use this method of obtaining books and supplies. However, if you choose to opt out of this option, you must either have another method of payment, apply for a short-term loan or wait until financial aid is disbursed and refunds are available.

Please check current Dates and Deadlines for details.

If the financial aid you're awarded is higher than the amount owed to UND, you'll receive your excess financial aid and other funds to your selected refund preference selected via Nelnet Quikpay in Campus Connection.

Billing Information 

The University of North Dakota participates in the Federal Work-Study program. Please visit the Student Employment page to view and apply for positions. 

The federal government mandates that students who withdraw from all classes may only keep the portion of aid earned up to the time of withdrawal. Title IV funds disbursed that exceed the earned amount must be returned to the federal government by the University and/or the student. A student could owe these funds to the university, the federal government, or both.

Official Withdrawal Date Determination

• Student Finance is notified by the Registrar's Office when a student has officially withdrawn from UND by completing the online Withdraw to Zero Credits form on Campus Connection. The date the withdraw form is submitted is used for R2T4 calculation purposes.
• For an administrative withdrawal, we use the date specified in the notification we receive from the Registrar’s office for R2T4 calculation purposes.

Unofficial Withdrawal Date Determination

• When grades are reported at the semester's end, if a student does not officially withdraw but stops attending courses, Student Finance will be notified of the last date of participation by the instructor or use documented participation in Blackboard. The date that we use for the calculation is either the date that 50% of their aid is earned or the last day of attendance, whichever one is later.

Calculation of Return of Funds

• To make this calculation, Student Finance divides the number of calendar days the student has attended classes by the number of calendar days in the semester (minus any scheduled breaks of 5 days or more). The resulting percentage is multiplied by total federal funds disbursed to the student account or check or direct deposit for the semester.
• This calculation determines the amount of aid earned that a student may keep. For example, if a student attended 25 percent of the term, 25 percent of the aid disbursed will be earned. The remainder, or unearned amount, must be returned. Student Finance will notify, via UND email, and provide information and instructions to students who are required to return funds to the government.
• A post-withdrawal disbursement must be made from available grant funds before available loan funds. If outstanding charges exist (from the current year), the institution may credit the student's account up to the amount of outstanding charges with all or a portion of any post-disbursement grant funds. However, a post-disbursement of loan funds to pay outstanding charges requires the confirmation of the student or parent for a parent PLUS loan. In these situations, the student and/or parent will be notified via UND email, within 30 days of the institution's determination that the student withdrew to offer the post-withdrawal disbursement. The funds may be accepted or declined by the student and/or parent within 14 days from the date of notification. Once notification of acceptance has been received, UND will disburse grant funds within 45 days of the institution's determination that the student withdrew, this extends to 120 days for other forms of aid.
• If the R2T4 calculation results in a credit balance on the student’s account, the credit balance must be disbursed as soon as possible and no later than 14 days after the calculation of R2T4.
• If the R2T4 calculation results in an amount to be returned that exceeds the school’s portion, the school will return these funds to the Department of Ed on behalf of the student.
• Once the withdrawal has been completely processed, the appropriate amount of aid will be returned to the Department of Ed within 45 days after determining the student has withdrawn.

Financial aid is returned in the following order, up to the net amount disbursed from each source:

1. Federal Unsubsidized Direct Loan
2. Federal Subsidized Direct Loan
3. Federal Direct PLUS (Parent) Loan or Grad PLUS Loan
4. Federal Pell Grant
5. Federal Supplemental Educational Opportunity Grant (FSEOG)
6. Other Federal Loan or Grant Assistance

UND’s Satisfactory Academic Progress policies and procedures can be found here:

SAP Requirement Details

As part of the Equity in Athletics Disclosure Act, information on annual participation rates and financing of men's and women's sports in intercollegiate athletic programs is available by request to students and the general public. To review UND’s report please visit:

• University of North Dakota Athletics Compliance 
• Intercollegiate Athletic Program Participation Rates and Financial Support Data-Equity in Athletics Disclosure Act Survey (EADA)

Online exit counseling is required of all borrowers of federal and University-administered student loan programs