• Log into webCentral to view your financial aid award. (If this is your first time logging in, your passcode will be your 6-digit birthday in the MMDDYY format.)
• Go to the Student or Incoming Grad Students tab.
• Click on "View and Accept Award Offer" or "Accept your Financial Aid Award." 
• Select the 2012-2013 Aid Year from the drop-down box.
• Click on "Award Overview" toward the top of the page to review your Cost of Attendance and Financial Aid Award.

Your financial aid award offer is based upon the Cost of Attendance listed in webCentral. We must assign each student a Cost of Attendance for two reasons:

1. to provide you with an estimate of expenses you may incur while attending DU throughout the year, and
2. to cap the total amount of financial aid (including grants, scholarships and loans) you can receive for the 2012-2013 academic year.

A few things to note: these costs are estimates that will vary according to the individual student, and books, transportation, and personal expenses are indirect costs (not billed by the University). Also, these costs will be divided evenly between fall and spring semesters, and do not include any estimates for the summer term.

Your financial aid award may contain a combination of scholarships, Work-Study and student loans. Review a list of financial aid award definitions to help you better understand each type of aid offered to you. This document also provides instructions for completing any additional steps necessary to secure your aid.

Download our budget worksheet to estimate both the direct and indirect costs of attending DU each semester. The Cost of Attendance and Financial Aid Award listed on webCentral will help you calculate your estimated balance due. It's important to note that all financial aid, with the exception of Work-Study, is paid first to the University of Denver; if the amount of financial aid that has paid is greater than the amount owed, you will receive a refund for the credit balance.

After reviewing your financial aid award and estimating your bill, you may accept, reduce or decline the offered aid by logging in to webCentral. After logging in,

• Go to the Student or Incoming Grad Students tab.
• Click on "View and Accept Award Offer" or "Accept your Financial Aid Award
• Choose the 2012-2013 Aid Year.
• Click on "Terms and Conditions" toward the top of the page, review and accept.
• Click on "Accept Award Offer" to accept, reduce or decline your awards. (Please note: all merit awards are automatically accepted on your behalf.)

You can also watch our Accepting Your Award video to get step-by-step instructions on accepting your financial aid.

If you were offered loans as a part of your financial aid package, there are additional steps you must take to secure that funding. Please note that these steps are required for first-time borrowers only.

For Direct Loans (subsidized/unsubsidized):

1. Sign into your account at https://StudentLoans.gov using your FAFSA PIN.
2. Complete Entrance Counseling (this link is on your homepage once you login).
3. Complete the Master Promissory Note (this link is also on your homepage). 

For a Grad PLUS Loan:

1. These are federal loans with a fixed interest rate of 7.9% available to graduate students who have no adverse credit history.
2. Please be aware that this is not guaranteed financing. You will need to pass a credit check to be approved for the loan.
3. Once accepted on webCentral, sign into www.studentloans.gov.
   • Request a PLUS Loan (the link is on your homepage once you login).
   • Complete the Master Promissory Note (this link is also on your homepage).

For a Perkins Loan:

1. Complete Perkins Entrance Counseling online at http://www.mappingyourfuture.org.
2. Complete the Master Promissory Note and return it to the DU Bursar's Office in University Hall Room 223.

Once you have completed the budget worksheet, you may determine that there will be a balance due each term. Learn how to manage this unmet cost through payment plans, alternative financing options, and student employment.

All requirements must be satisfied before your financial aid funds can disburse. (Check the Student tab of webCentral to make sure you have completed all requirements.) Financial aid funds will disburse to your DU tuition account no earlier 10 days prior to the start of each semester. If the amount of financial aid that has disbursed is larger than the amount due to DU, the Bursar's office will generate a refund to you, typically within two days after disbursement. These refunds can be direct deposited into your bank account. For more information about refunds, please contact the Bursar's Office directly.

2012-13 Disbursement and Refund Dates: