Financial Resources

Returning to school as an adult student brings with it many concerns, often including finances. Niner Central, University Scholarship Office, Veterans Services, Federal Student Aid, and the College Foundation of North Carolina (CFNC) offer many valuable resources to make planning for and finishing your degree possible.

Financial Matters in a nutshell

Manage Your Money

UNC Charlotte wants you to finish your degree without racking up unnecessary debt. Check out the Manage Your Money site to learn how to budget smarter, keep more cash in your pocket, and become financially stable through your college career and beyond.

Financial Aid & the Academic Year

Completing the Free Application for Federal Student Aid (FAFSA) is the first step to apply for aid regardless of the semester. Students must complete a new FAFSA each academic year and the priority filing date is March 1st. Academic years begin in fall (August) and run through summer. Your initial FAFSA submission serves as your application for federal and state aid during the fall and spring semesters. If you choose to take summer classes, you may need to submit an additional form to be considered for aid. 

Cost of Attendance

The amount of financial aid you receive is based on income and the university's estimated cost of attendance. This cost is an average estimate for what your expenses might be while attending school and it changes each year. If you have additional expenses, like childcare or health insurance, that are not accounted for in this calculation, you can contact Niner Central to find out if you may qualify for a reconsideration of your expected family contribution (EFC). You can also contact Niner Central regarding reconsideration if you have experienced an unexpected change in employment or a significant reduction in income and the information on your FAFSA does not reflect your current financial situation.


Types of Aid

Money for college can come from the federal government, state, university, commercial bank, employer, or nonprofit/private organization in the form of grants, loans, work-study, scholarships, or reimbursement programs. There is no age limit for federal financial aid, no credit check, and applying is free.‚Äč

Satisfactory Academic Progress

There are academic requirements for federal and state financial aid. Students must maintain a cumulative GPA of 2.0 and complete at least 66.6% of the credit hours attempted. There is also a maximum time frame in which students must finish their degrees (150% of the number of hours required for graduation). Specific grants may have additional criteria.

College Foundation of North Carolina (CFNC)

CFNC provides information on planning, applying, and paying for college. With financial literacy tools, state financial aid program information, career assessments, and state college and university profiles, they have everything to get you ready to finish your degree.


UNC Charlotte offers over $2 millions dollars in scholarship funding each year. OASES provides over $100,000 in scholarships for adult students.

VA Education Benefits

Veterans Services processes educational benefits, supports the Veteran Student Lounge, and offers programming for student veterans. If you have questions on pay rates, enrollment forms, or academic requirements contact the office for more information.

Financial Aid TV

Have other questions about financial aid? Financial Aid TV is a series of short videos describing financial aid programs at UNC Charlotte.