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Need and Enrollment What is the difference between need-based and non-need-based loans? The amount of aid that a student is eligible to receive is based on financial need. Financial need is determined by subtracting what the federal government determines a student and his or her parents can afford to pay from the actual cost of attending UMM. Items normally calculated in the cost of attending college include tuition, fees, room and board, books, supplies, personal living expenses, and transportation. What is the difference between a full time and part time student? If you are enrolled for at least 6 credits, you are considered a half time student. You are eligible to borrow from federal loan programs if you are enrolled for 6 or more credits. If you are enrolled for 12 or more credits you are considered a full time student. There may be alternative loans available to students who are enrolled for less than half time status. |
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