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Understanding Your Budget

Annual Cost of Attendance

Every year, UNCG develops a budget of estimated costs and expenses to determine your financial aid eligibility. This is referred to as a Cost of Attendance, or COA, for short. We use direct costs (tuition, required fees, room and board for students living on campus) and combine them with indirect costs (books and supplies, transportation, personal expenses) to create a standard COA for full time students. Your actual expenses may be more or less than the estimates, but we find the following to be helpful in your planning:
full year expenses example
1 Tuition (the cost of taking courses)
2 Fees (required fees that support programs, services, and facilities)
3 Books & Supplies (an allowance for textbooks, book bags, notebooks, pens and pencils, paper)
4 Room (cost for a dorm room or an allowance for the cost of housing)
5 Board (cost for a meal plan or an allowance for the cost of food)
6 Transportation (an allowance for the cost of commuting to school or travel during school breaks)
7 Loan fees (an allowance for the cost of processing a loan, it is only included if you borrow)
8 Personal/Misc. (an allowance for clothing, dry cleaning, mobile phone costs, linens, soap, toothpaste, etc.)

Understanding Your Bill

Semester Bill Illustration

Full year tuition example

Understanding Your Payment

Using Financial Aid

Students are billed per semester and payment is due before each semester begins. If you are receiving Financial Aid, your aid will be paid per semester after you have completed all requirements. Your aid each semester may be sufficient to cover all of your semester charges. In that case, you would not owe anything out of pocket to UNCG. However, if your aid will not cover all of your bill, you will have to pay the difference by the bill due date.

Payment Options

You can use any or all of these ways to pay your bill:
  1. Outside resources (private scholarships, 529 plans, Veterans' Benefits, etc.)
  2. Direct Payments to UNCG
    a. Tuition payment plan (see Cashiers Office for details)
    b. Cash or check in person at Cashiers Office
    c. Online e-check or credit card through Student Account Center
  3. Federal Parent PLUS Loan
  4. Alternative or private loan

View Your Semester Bill

After registering for classes, your semester bill will be available to view:
  1. Log into your UNCGenie account, click on Student Account Center.
  2. Your current eBill Statement will be displayed.
  3. To view the most recent transactions, click on View Activity.

Understanding Your Award

Award Information

Your financial aid award package can include a combination of federal and state grants, various scholarships and federal student loans. UNCG does not require a separate financial aid application other than the FAFSA for students to apply for need based aid. UNCG Admissions contacts students regarding merit based scholarships.

UNCG determines the amount of need based financial aid you are eligible to receive by using the Cost of Attendance (COA), then subtracting your Expected Family Contribution (EFC), taken from your FAFSA.

COA – EFC = Financial Need

We will automatically match students with their eligible state grants, federal grants and other institutional resources based on their financial need. UNCG does not guarantee that we will cover 100% of your costs, and we encourage students to look to their high school college advisors for local scholarships to help supplement their awards. This is also a great way to minimize borrowing loans.

How To View Your Award Information

  1. Log into your UNCGenie account, click on Financial Aid, then Award.
  2. Click on Current Award Information.
  3. Select the appropriate Aid Year, then click Submit.
  4. Your most recent financial aid award letter will be displayed.


Dependent Student

A student who does not meet any of the criteria for an independent student and is required to provide parent information on the FAFSA.

Direct PLUS Loan

A credit based loan made by the U.S. Department of Education to graduate or professional students and parents of dependent undergraduate students. The borrower is fully responsible for paying the interest regardless of the loan status. This loan is not included in UNCG’s initial award offer.

Federal Student Aid

Financial aid from the federal government to help you pay for education expenses. Grants, loans and work-study are types of federal student aid. You must complete the FAFSA form to apply for this aid.


Financial aid, often based on financial need, which does not need to be repaid (unless, for example, you withdraw from school and owe a refund).

Independent Student

A student who is one of the following: at least 24 years old, married, a graduate or professional student, a veteran, a member of the armed forces, an orphan, a ward of the court, someone with legal dependents other than a spouse, an emancipated minor or someone who is homeless or at risk of becoming homeless and is not required to provide parent information on the FAFSA.


Based on a student’s skill or ability. Example: A merit-based scholarship might be awarded based on a student’s high grades.


Based on a student’s financial need. Example: A need-based grant might be awarded based on a student’s low income.


Any money left over after your student bill has been paid. You might be able to choose whether the refund comes to you by check or credit to your bank account.


Money awarded to students based on academic or other achievements to help pay for education expenses. Scholarships generally do not have to be repaid.

Subsidized Loan

A loan based on financial need for which the federal government generally pays the interest that accrues while the borrower is in an in-school, grace, or deferment status, and during certain periods of repayment under certain income-driven repayment plans.

Unsubsidized Loan

A loan for which 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 throughout the life of the loan.


The process used to confirm that the data reported on your FAFSA form is accurate. Schools have the authority to contact you for documentation that supports income and other information that you reported.

Financial Aid Contact Info

159 Mossman Building
P.O. Box 26170
Greensboro, N.C. 27402
Phone: 336.334.5702
Fax: 336.334.3010
Office Hours: Monday-Friday: 8am - 5pm