Tuition: More Information About Financial Aid
Making financial aid work for you
Disbursement of Financial Aid Funds
Financial aid funds are used for educational costs only. Educational costs include WGU tuition and fees, technology, books and supplies, travel for assessments, and living expenses. Funds are applied to the student's account in the following order as eligible: Scholarships, Pell Grant, other Federal Grants, Subsidized Loan, Unsubsidized Loan and GradPLUS.
Financial aid funds are available to students based on six-month payment periods. The Financial Aid Award letter includes estimated costs and aid for one or two payment periods. One-half of the aid is available for each six-month payment period. Excess funds, after WGU tuition and fees are paid, will be disbursed directly to you approximately six weeks after you begin your academic program. Please note that you will be responsible for expenses that exceed the amount of aid awarded to you.
Full-time enrollment is required of all financial aid programs. Failure to progress at the full-time rate and in accordance with your Degree Plan may result in loss of eligibility for additional aid and for loan deferment.
Cost of Attendance
The cost of attendance (COA), which is estimated by WGU, takes into account your WGU tuition, fees and typical cost of housing and meals, books and supplies and other educational costs.
The estimated cost of attendance for an independent undergraduate at WGU for the 2013-14 year is about $13,270.
For the official list of Cost of Attendance totals, click on the respective link below:
Annual Federal Direct Loan Limits
Students are only allowed to borrow the annual limit up to the Cost of Attendance based on their current grade level. There are lifetime loan limits also set by the Department of Education. This may limit your borrowing eligibility.
Federal Direct Loan Interest Rates
The interest rate you are charged for both Subsidized and Unsubsidized Loans is variable and adjusted once a year on July 1.
Direct Subsidized Loans for Undergraduate Students:
- Disbursed 07/01/2012 to 06/30/2013 3.4%
- Disbursed 07/01/2013 to 06/30/2014 3.86%
Unsubsidized loans for graduate students first disbursed on or after July 1, 2006 6.8%.
Direct PLUS loans first disbursed on or after July 1, 2006 is 7.9%.
Financial Aid Repayment
If you receive a Pell Grant and/or Student Loans while attending Western Governors University and then withdraw up through completion of the six-month period of enrollment for which you were charged WGU tuition, you will be subject to the federal Return of Title IV funds calculation. The calculation determines the amount of Title IV funds you have earned as of the date of withdrawal. The amount of Title IV program assistance earned is based on the amount of time you spent in academic attendance and has no relationship to your incurred institutional charges. Click here for examples of a typical financial aid repayment plan.
Net Price Calculator
WGU has created a Net Price Calculator to help you estimate your educational costs and eligibility for federal grants if you are seeking a bachelor’s degree or certificate for the first time. The tool is not applicable for graduate students because Pell Grants are not available for graduate study. The calculator does not estimate your federal loan eligibility. Try the Net Price Calculator now.
Satisfactory Academic Progress Policy
Federal regulations require that all students who receive financial aid maintain satisfactory academic progress (SAP) by making measurable progress toward a degree or certificate. The number of assessments passed/competency units earned during each six-month term measures progress. Click here for more details about the SAP policy.
Return of Title IV Financial Aid Policy
If a student receiving Title IV funds ceases to be enrolled in a term, the federal government mandates that WGU determine the amount of Title IV funds that the student earned as of the date enrollment ceased (withdrawal date). Unearned Title IV funds must be returned to the federal government. Ceasing enrollment in a term may result in the student owing aid funds to the university, the government, or both.
Funds that are returned to the federal government are used to reduce the outstanding balances in individual federal programs. Financial aid returned (by the university and/or the student) must be allocated in the following order:
- Unsubsidized Federal Stafford loans
- Subsidized Federal Stafford loans
- Unsubsidized Direct Stafford loans
- Subsidized Direct Stafford loans
- Federal PLUS loans
- Direct PLUS loans
- Federal Pell Grants for which a return of funds is required
- Academic Competitiveness Grants for which a return of funds is required
- National Smart Grants for which a return of funds is required
- Federal Teach Grants for which a return is required
Click here for more details about Title IV Financial Aid Return Policy
Questions & Answers
Click a question, see the answer to the right.
What can I use financial aid for?
As a WGU student, you can use financial aid to pay for tuition, fees, books, other school-related supplies, technology needed for online study, and personal living expenses. The "technology needed" can include a new computer, internet service fees, and software.
Your financial aid cannot be used to pay your application fee.
Who can answer my financial aid questions?
Speak to an Enrollment Counselor who can answer most of your basic financial aid questions. The WGU Financial Aid Office can answer more specific questions about your personal situation once you have completed the WGU Financial Aid Application. The Financial Aid Office can be reached:
1-877-435-7948 ext. 3104