Steps to Apply for Financial Aid
The mission of the Financial Aid Office is to inform and assist the student regarding the available options for assistance with the financial obligations associated with their post-secondary education.
Step 1 – Complete the Application for Admission, which will include the Financial Aid Application that will provide the Financial Aid Department the information regarding the aid you are requesting. This application must be completed each academic year and received by the Department ten days prior to the beginning of the semester. Any delays in completing this could delay your registration processing and your ability to start classes on time.
Apply for free! Call 1.888.790.8080 Ext. 1 to waive your fee.
Step 2 – FAFSA Application
– New Students and Returning students will complete a yearly FAFSA Application
This Free Application for Federal Student Aid must be completed at www.fafsa.ed.gov by any student who plans to apply for Title IV Aid including the Pell Grant, Federal Stafford Loans, Federal Work-Study, and/or University Need-Based Scholarships. Amridge University’s school code, 016885, must be added to your FAFSA for the Financial Aid Department to receive an Institutional Student Information Report, ISIR, from the Department of Education. The Financial Aid Office must have the current year’s ISIR on file to award Title IV Aid. It takes approximately 72 business hours for the Financial Aid Department to receive the ISIR, therefore it is important to complete the FAFSA in a timely manner. Your FAFSA should be received by the Financial Aid Department 10 days prior to the semester beginning to avoid delays in your processing.
Amridge University School Code: 016885
Step 3 – Look for a Financial Aid Email
Once you have completed the Financial Aid portion of the Admissions Application and you have received the Student Aid Report (SAR) from your FAFSA submission, the Financial Aid Department will be in contact with you. You will either receive an email requesting additional information or an award letter that denotes the aid that has been awarded to you. Please promptly reply to the financial aid email and/or login and accept or decline the aid awarded to you through your award letter.
What is financial assistance?
· Financial Aid is federal and state assisted loans
· Scholarships are University and non-University tuition assistance rates and fund
Financial Aid Facts: Approximately 85 percent of Amridge students receive some form of financial assistance.
Early application is encouraged to ensure availability of funds, so you’ll want to complete the FAFSA process as soon as you enroll. Financial aid is available to those who qualify.
How do I continue to receive federal financial aid funds?
To continue to receive federal financial aid (Title IV funds), a student must maintain their satisfactory academic progress. Amridge University complies with the satisfactory academic progress requirements established by the federal government for students receiving federal funds. For a detailed explanation of satisfactory academic progress go to the full description of Satisfactory Academic Progress standards
Satisfactory Academic Progress (SAP) standards include:
– A qualitative measure (cumulative grade point average)
– A quantitative measure and pace of progression (maintaining measurable progress toward the completion of program)
– A reasonable timeframe for degree completion.
Federal Student Aid Changes With The One Big Beautiful Bill Act (OBBBA) Effective July 1, 2026
Please note that there have been significant changes related to Federal Student Loans, beginning with the 2026-27 aid year. This is due to the passage of the One Big Beautiful Bill Act (OBBBA) on July 4, 2025. These changes set new annual and aggregate federal loan limits for both students and parents, require loan proration for less than full-time enrollment and impact eligibility for certain federal loan programs.
Disclaimer:
Information provided is based upon interpretation of regulations issued by the U.S. Department of Education. Information on this page may be updated as additional guidance becomes available. You are encouraged to visit the Federal Student Aid (FSA) website for the latest information.
Effective Date: This applies to all federal loans processed for the 2026-2027 aid year. At the Amridge University this means all loans starting with the Fall 2026 semester.
Important Changes Under the OBBBA
Federal loan eligibility must be prorated based on a student’s enrollment status:
- Students enrolled less than full-time (12 credits Undergraduate 6 credits Graduate or Doctoral) will have their annual loan limits reduced proportionally based on the percentage of the full-time enrollment.
- For example, a parttime undergraduate student (8 credits) may receive only 67% of their annual loan limit.
- This change affects both undergraduate and graduate borrowers and replaces prior practice where less than full-time enrollment might not have reduced loan eligibility the same way.
Courses that receive a grade of W, or unearned F due to non-participation will now impact student loan eligibility:
- The Schedule of Reductions (SOR) must consider any enrollment changes occurring after disbursement, including courses that receive a grade of W, or unearned F.
- For example, a student who borrows the maximum student loans, enrolls in 12 credits fall and 12 spring, withdraws from 6 credits fall, will require their spring student loans to be reduced for the change in their total annual enrollment.
Effective Date: July 1, 2026 for new borrowers who have not previously borrowed a direct loan in their current course of study. Also applies to many continuing graduate students who have been in their program two or more years.
Graduate Students
- Graduate PLUS Loans will no longer be available for new borrowers as of July 1, 2026*.
- Graduate students will be limited to Direct Unsubsidized Loans with:
- Annual limit: $20,500
- Aggregate limit: $100,000
- Loan amounts are prorated for less than full-time enrollment.
* Legacy Provision:
A student can continue to borrow from the Graduate PLUS Loan program if:
- The student has a Federal Direct Loan disbursed before July 1, 2026, while enrolled in a credentialed program of study, and
- The student is enrolled in the same credentialed program, and
- The student has not withdrawn or had interrupted enrollment in their course of study
Under these conditions, and assuming all other eligibility requirements are met, the student may continue to borrow from the Graduate PLUS Loan as long as their total enrollment in the program does not exceed the shorter of 3 years or the published length of the program.
A prorated Pell Grant is a reduced amount of Federal Pell Grant money adjusted to match your actual course load. If you are not enrolled full-time (12 or more credits per semester), your grant is scaled down to an “enrollment intensity” percentage, ensuring financial aid reflects your specific class schedule.
How Proration Works
Your award is based on your “enrollment intensity,” which is the number of credits you are taking divided by the credits required for full-time status, rounded to the nearest whole percent.
For example, full-time is 12 semester hours within a semester. This means that if you are enrolled 12 semester hours, you will receive 100% of the Pell Grant for which you are eligible. If you are enrolled in eight semester hours, the amount of Pell Grant will be reduced proportionately. See chart below, based upon a hypothetical example of a student being eligible for $1000 Pell Grant (based upon full-time enrollment)
| Enrolled Credits | Enrollment Intensity | Prorated Award Percentage | Prorated Award Amount |
| 12+ Credits | 100% | 100% | $1,000 |
| 8 Credits | 67% | 67% | $670 |
| 4 Credits | 33% | 33% | $333 |
You have options! You have access to Private Student Loans for Financing Your Education
Please click on the link below to access resources that allow you to compare private loans for your degree program at Amridge University.
Other Financing Option—TFC Tuition Financing
We’ve partnered with TFC Tuition Financing to offer affordable monthly payment plans that allow you to spread out the cost of your education over several months. A separate installment payment agreement will be required for students who prefer to use the monthly payment plan.
Students will be subject to the agreement’s provisions with TFC Tuition Financing.
Amridge University uses payment plans administered by Tuition Finance Corporation (TFC). To make payments or to inquire about an existing account, contact TFC at (800) 872-9832 or visit tfcstudentinfo.com. Click here for further information about Tuition Finance Corporation.
Financial Literacy - Understand Your Educational Costs
Financial Literacy is vital for all students, and Amridge University is committed to helping you understand the financial decisions you must make to achieve your educational goals. We’ll work with you to help you understand your educational costs and create a plan to pay for them.
Net Price Calculator
Amridge University has developed a Net Price Calculator to provide students with an estimate of what they’ll pay to attend college.
Need Assistance?
Call 1.888.790.8080 Ext. 3
Erica Willis
Interim Financial Aid Director
1.800.351.4040 Ext 7527
Local: 334.387.7527
Fax: 334.387.7527
Questions About Military Benefits?
Sarah Norton
Financial Aid Officer
1.800.351.4040 Ext 7525
Local: 334.387.7525
Fax: 334.387.7525
Policy on Recruiting, Marketing, and Advertising
Recruiting, Marketing, and Advertising Code of Ethics for appointees. Amridge University personnel are not permitted to conduct fraudulent or aggressive recruiting on or off military installations in any other venue, nor do we misrepresent ourselves, our programs, or our mission. This code of conduct includes non-military students who are designated as prospective, current, or returning students. We do not pay incentive compensation to anyone for recruiting actions. We meet all State authorization requirements consistent with those issued by the United States Department of Education.
No employee of the university may engage in high-pressure recruitment tactics. High-pressure recruitment tactics include making three or more unsolicited contacts (by phone, email, or in-person) or engage in same-day recruitment and registration for the purpose of securing enrollments.