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Understanding Your Aid Offer

Financial Aid in TUportal

After you receive a TUmail e-mail notification of a financial aid offer, visit the Costs and Aid tab of the TUportal (student username and password required)

  • To review the financial aid offer select View Financial Aid Offer. We reccomend you print for your records.
  • To Accept, Decline or Reduce Federal Direct student loans and/or Work Study select Self Service Banner Financial Aid. 

Step-By-Step to Understanding Your Aid Offer 

The financial aid offer estimates a student's eligibility based on the information they provided on the Free Application for Federal Student Aid (FAFSA). We also assume of full-time enrollment and that the components of a student's Student Profile (see individual aid offer for specific profile) are accurate. We request students let us know as soon as possible about any changes in your information so we can review and update your eligibility accordingly. We recommend students and parents carefully review the information provided to gain a better understanding of the funding listed, as well as the estimated financial aid cost of attendance for the year. We look forward to helping you finance your education, therefore please be in touch in there are questions.

Student Profile

The information listed in a student's profile is based on Admission and FAFSA application data. The profile information informas how the aid offer is calculated (i.e. financial aid cost of attendance components).

  • Your college (academic progam), level (undergraduate, graduate, non-matriculated or professional) and residency (resident of Pennsylvania tuition rate or non-resident/out-of-state/international tuition rate) information is important because Temple University tution rates vary depending on what school/college you choose. See the University's Tuition Calculator for all tuition and fee rates.
  • The housing information listed is based soley on how you answered the question on the FAFSA. The Office of Student Financial Services uses this information when creating your financial aid cost of attendance.
  • Your FAFSA status indicates whether you are considered a dependent student or an independent student. See the U.S. Department of Education's website for more information on dependency status for purposes of filing the FAFSA. 
  • The aid period listed determines the semester(s) the current aid totals were processed to assist with. The most common aid period is Fall and Spring semesters which will show annual totals of financial aid funding that are meant to split evenly between the Fall and Spring semesters. Temple University bills per semester. 

Gift Aid

The information listed in the Gift Aid section does not require repayment. This will be any scholarship, grant and/or additional resources The gift aid may include funding from federal, state or institutional sources. The gift aid is offered based on the aid period listed in the student profile. 

  • For more information on the Temple Employee Benefit placeholder, please review the tuition remission section of the Bursar's website. Tuition remission is a benefit for eligible full time faculty and staff and our office uses the placeholder on the aid offer based on the information a student provides on their admission application. The placeholder does not guarantee eligibility for the employee benefit, therefore Temple employees should review their employee manual and/or speak with their direct supervisor. If a parent doesn't qualify for the tuition remission benefit please contact the SFS office immediately ( so we can revise the aid offer to remove the placeholder.
  • If additional scholarship and/or third party resources (i.e. scholarship from a source outside of Temple and/or scholarship from a Temple University department added after the initial financial aid offer) are received the initial financial aid offer can be revised. The Office of Student Financial Servcies makes every effort to ensure the student keeps all available gift aid, however in certain circumstances the addition of scholarship funding can alter a student's initial aid offer.

Temple's Estimated Financial Aid Cost of Attendance for the aid year

The financial aid cost of attendance includes both billable charges from the University and indirect costs to assist students in planning their budget each year. Billable charges are invoiced by Temple University, whereas indirect costs are not billed by the University. Indirect costs are meant to provide students with an estimate of the educational expenses they might incur while attending. Please note: housing and meals are only charged to the student account if the student elects to live on-campus and/or select a meal plan.

We encourage students to utilize the University's Tuition Calculator to develop their own budget. This calculator allows students to view the different tuition, housing and meal plan options. Estimated tuition and fees are updated annually each summer. Some or all instruction for all or part of the academic year may be delivered remotely. Tuition, the University Services Fee and certain other fees are set regardless of the method of instruction and will not be refunded in the event instruction occurs remotely for any part of the academic year.

This is not meant to be a student's Temple University bill. The aid offer includes the estimated cost to attend Temple University for planning purposes. For information regarding official billing notifications and the due date schedule, visit the Bursar's Office website.

Any full tuition scholarship offer amounts remain estimated until the University's Board of Trustees meets in July to confirm the upcoming year's tuition rates. All full tuition scholarship amounts will be updated towards the beginning of each semester, and all Temple Academic

Undergraduate student Academic Merit Scholarship funding is restricted to tuition only. 

Temple's estimated financial aid cost of attendance is calculated based on the aid period listed on the student's aid offer. We aim to present students with the estimated cost for the year and then consider the cost for four years. 


Estimated Balance Due After Gift Aid

The estimated balance due section of the aid offer represents the billable charges minus the total gift aid for the aid period. The purpose of this section is to clearly communicate to the student the total amount of "free" money that is available to go against the billable charges. There are additional options to review and we offer them in the following sections for a student's review.

Financial Aid Options to Pay Your Estimated Balance Due

Work Study is a need-based opportunity that offers students the option to secure a job on or off campus. The student is compensated directly for the hours worked.This is not grant funding that applies to billable charges at the University. Students apply for positions and if hired, earn funding in a bi-weekly paycheck to use for educational costs. 

  • Students interested in work study should contact the Office of Student Financial Services by emailing to find out if they qualify.

Educational Student Loans is funding available to eligible students and requires repayment. Federal student loan amounts are determined based on total completed credits, financial need and remaining eligibility. 

  • Federal subsidized student loans are available to eligible undergraduate students who have demonstrated financial need. The federal government pays the interest on the loan during your enrollment as long as certain requirements are met.
  • Federal unsubsidized student loans are available to eligible undergraduate, graduate, and professional students, but in this case, the student does not have to demonstrate financial need to be eligible for the loan. You are responsible for paying all interest on the loan.
  • All loan funding is processed for the full year, and is split evenly between semesters.
  • For information on the Federal Parent Loan for Undergraduate Students (Parent PLUS loan) and private student loan options, visit Educational Loans section

Additional Information

After reviewing the aid offer consider the following next steps:

Self Service Banner (Financial Aid Package additional information)

The Student Financial Services' Financial Aid section of the TUportal will allow a students to review Eligibility (Financial Aid Requirements, Holds, and Satisfactory Academic Progress statuses), Award information (Account Summary by Term, Award for Aid Year, Award History and Withdrawal Information), and review the Federal Shopping Sheet  

Select Award for Aid Year (drop-down selection required) and then review the tabs in order from left to right. 

IMPORTANT: Students must review the following tabs in this order Award Overview tab, Resources/Additional Information, Terms and Conditions and Accept Award Offter. Unfortunately, if you attempt to review in a different order the tabs could turn "grey" and become inaccessible for 30 minutes. Please log out and then back into the TUportal after 30 mintues. If the issue persists, please email to reset your account. 

Select Aid Offer Overview to review your Housing Status and Enrollment Status. If they are not correctly listed, please email with the updated information and request a review of eligibility. 

Review the Resources/Additional Information tab which contains important information and policies related to financial aid eligbility. We strongly encourage you to share this with your parent/guardian. The requirements to grant permission to pay any and all University charges & to pay previous balances up to $200, if owed are required to be completed by all students.  

Review the Terms and Conditions tab which contains the Financial Aid Fact Sheet which contains important information regarding financial aid funding, eligibility and disbursement. We strongly encourage students to share this with your parent/guardian. All students must read and accept the information on the Fact Sheet prior to receiving financial aid disbursements to the student account. All students have the option to opt out of accessing their financial aid information in the TUportal and/or from receiving electronic communication from our office. Please email if you wish to opt out of either of these electronic means of communicating.  

Review Accept Aid Offer tab to accept, reduce or decline the student Federal Direct loan and/or Work Study funding. 

  1. Accept the full amount (including Loans that you wish to borrow and repay) by selecting Accept Full Amount of All Awards.
  2. Choose: Decline or Accept for each fund.
  3. Accept a partial amount by selecting Accept and entering the amount in the Accept Partial Amount field. Note: this amount will be split evenly between fall and spring semesters.
  4. To make any changes after you have accepted, declined, or reduced your awards, please email from your TUmail address.

Tips for Accepting Financial Aid Awards

  • Review your Financial Award Offer Carefully.
  • Understand that if your FAFSA application has been selected for Federal Verification that means that your award is still an offer and not a guarantee of financial aid eligibility. Complete the Federal Verification process as soon as possible.
  • Create an estimated cost summary for the upcoming year by utilizing the Tuition Calculator. This tool allows a family to estimate estimated tuition, housing, meal plan charges while also inputting financial aid awards and outside resources well in advance of the University e-bill. 
  • Financial aid awards assume full-time enrollment - if you plan to enroll less than full-time contact the SFS office
  • Report additional funding sources not listed on your award letter, including Tuition Remission, University or non-University awards such as Academic Merit scholarships, outside Scholarships, and Grants to Student Financial Services (SFS).  These awards may affect your current financial aid package and eligibility for funding, (i.e.; University based, Federal, and State Grants and Federal Student Loans).  If your financial aid package changes you will be notified via your Temple University e-mail account when the revised award letter is ready to view.   
  • Making Changes – Housing and grade level statuses must be corrected on the FAFSA, or by contacting the SFS office.    


Financial Aid Requirements

Financial aid requirements allow the SFS office to confirm a student's financial aid eligiblity. These requirements are found within the Costs and Aid tab in the TUportal.