Student Financial Aid
The University of Tennessee at Chattanooga offers a comprehensive program of student financial aid. The staff of the Financial Aid Office help students secure Federal and state financial aid, scholarships, and recommend private loan options for which the student may apply.
The financial aid that a student may receive reflects financial need, which is the difference between the student's cost of attending the University and the family's estimated contribution to that cost. The cost of attendance includes tuition, fees, books, transportation, and living expenses. The Free Application for Federal Student Aid (FAFSA) determines the Estimated Family Contribution (EFC) which then determines the amount of financial aid a student may receive. A student may not receive financial aid greater than the cost of attendance.
A student may receive one or more types of financial aid: Grants, Loans, Part-time employment, and Scholarships. These can be awarded individually or in combination, depending on the student's financial need and eligibility.
Information and Assistance
The Financial Aid Office staff provide assistance with the financial aid application process and financial budgeting. In addition, the student and parents may request a review of the determination of the student's need and award. For further information regarding financial aid, call or write:
UTC Financial Aid Office
The University of Tennessee at Chattanooga
615 McCallie Avenue
Chattanooga, Tennessee 37403
Information and forms are also available on the UTC Financial Aid website at: www.utc.edu/Administration/FinancialAid/.
All students must apply each year for financial aid to be eligible for grants, loans, work-study, and the Tennessee Education Lottery Scholarship funds. Students currently receiving University scholarships will automatically receive the scholarship if they meet the scholarship renewal criteria.
Freshmen who wish to be eligible for University scholarships must be admitted no later than February 1 and have completed
the Admissions Application form. Students currently not receiving University scholarships who believe that they are eligible for a scholarship should complete the Continuing Student Scholarship Application. The following lists the easiest way to apply for all Federal and state aid.
Five Steps to Financial Aid at UTC
Step 1 Complete and e-Sign the FASFA on the Web Complete and submit the FAFSA at: www.fafsa.ed.gov. This service is free. Be sure to include UTC and its Title IV code "003529" in the appropriate section of the FAFSA. Allow 2-3 weeks for UTC to receive the FAFSA information. Students must complete this step before February 1 to ensure that they receive the largest financial aid possible.
Step 2 Submit all requested documents to the Financial Aid Office.
Other documents for the verification process may be requested as the need arises. Therefore, students should review their MocsNet account frequently for requests for more information. Additional documents should only be submitted as requested. These documents may be obtained from the UTC Financial Aid Office and must be submitted before April 1. Students may meet with a financial aid counselor during May to review their accounts.
Step 3 Accept Financial Aid awards
The award process occurs 5-8 weeks following receipt of all requested forms and a completed financial aid file. Students will receive a Financial Aid Notification email in their MocsNet email accounts.
The student must accept the aid to receive the funds. To receive the aid, the student will log onto the MocsNet account using the UTC ID and Secure ID (SID). All offered aid (loans, work study, etc.) must be accepted or denied in the offered status area on the student's MocsNet account. Grants will be automatically entered as accepted. If a scholarship or grant has been offered or estimated, the student will need to contact