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Rights and Responsibilities

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University of Baltimore Financial Aid

Your Rights

As a financial aid applicant, you have a right to:

  • confidentiality
  • reasonable access to your financial aid records and all application forms on a timely basis
  • a reasonable estimate of your student budget
  • information that describes eligibility requirements and application procedures
  • a written request for additional information, all correspondence and requests for information will be via email to the email provided on your admissions application. Your University of Baltimore email will be used for all correspondence once it has been established for you.
  • written notification of your financial aid eligibility, award notices will be sent via email to the email provided on your admissions application. Your University of Baltimore email will be used for all correspondence once it has been established for you. This notice will direct you to look for your award on MyUB, under My Student Center

As a financial aid recipient, you have a right to:

  • written information that describes the terms and conditions of all awards made by the financial aid office. A "Conditions of Award" brochure will be sent with your award notice. Additional information concerning specific awards are linked to the award on your Accept/Decline screen on MyUB
  • written information regarding the appeals process
  • reasonable access to information and counseling regarding career possibilities

If you receive a federal work study award, you have a right to:

If you are awarded a loan, you have a right to:

  • detailed information from Direct Loans about interest rates, fees, the balance owed, and repayment options
  • a copy of the completed promissory note from your lender (the original note must be returned to you when your loan is paid in full)
  • notification if your lender sells your loan or transfers the right to receive payment
  • a no-interest grace period before payment begins under the Federal Direct Stafford and Federal Perkins Loan programs
  • repay your entire loan or any portion of your loan at any time without penalty
  • deferment and forebearance of repayment options from Direct Loans after the grace period if you qualify

Your Responsibilities

As a financial aid applicant you have a responsibility to:

  • be aware of all eligibility requirements and application procedures
  • maintain your correct Social Security number, name and address with the records office
  • prepare your applications for financial aid accurately
  • review the information on your Student Aid Report (SAR) to ensure accuracy
  • follow-up with any directions given to you on your SAR
  • be aware of all priority dates and final processing deadlines for the submission of forms
  • comply with all requests for additional information in a timely manner
  • keep copies of all financial aid information and all financial aid application forms. Any forms sent to the Office of Financial Aid become the property of the office and are not returned for the student to use elsewhere.
  • keep copies of all financial aid award letters, promissory notes and disclosure statements, and other correspondence regarding your financial assistance
  • make payment arrangements with the business office if you apply late for financial aid.
  • conduct research on your future earning potential and borrow only the amount of money that you can reasonably repay

As a financial aid recipient, you have a responsibility to:

  • comply with the terms and conditions of all awards that you receive
  • notify the Financial Aid Office if your enrollment status changes after you apply for or receive financial aid
  • notify the Financial Aid Office if you receive scholarships, graduate assistantships, fee waivers, fee remissions, grants or other benefits other than those awarded by the financial aid office
  • use your financial aid awards to pay only educationally related costs incurred during the current award period

If you receive federal work study, you have a responsibility to:

  • obtain a federal work study job, perform your work responsibilities satisfactorily and monitor your work study hours to prevent exceeding your award
  • notify your employer if you wish to resign

If you are awarded a loan, you have a responsibility to:

  • complete an Entrance Counseling Interview and Master Promissory Note the first time you borrow a Direct Loan at the University of Baltimore
  • sign Perkins Promissory Note and Reference Forms if required
  • notify Direct Loans if you graduate, withdraw from school, drop below half time status, transfer to another school, do not enroll in school, or change your name or address
  • repay your loan according to the loan repayment schedule provided by the lender
  • notify your lender of anything that affects your eligibility for a deferment or your ability to repay your loan
  • complete an exit interview if you drop below half time graduate (6 credits) or plan to withdraw or transfer to another institution. Graduating students will be notified.
  • repay your loan even if you do not complete your degree program, are unable to obtain employment or are otherwise dissatisfied with your college education