The University of San Francisco: Online Education

Policies and Procedures

Financial Aid for Books and Supplies

Since financial aid for Online Graduate students is not typically disbursed until the second week of classes, students should plan to pay for books and educational supplies out-of-pocket. If the student has set up financial aid in excess of billed charges, it will be refunded to the student shortly after the disbursement date to reimburse any previous payments made for books and supplies. 

Satisfactory Academic Progress (SAP) Requirement

To remain eligible to receive financial aid, a student must demonstrate that he or she is making Satisfactory Academic Progress (SAP) at USF. Satisfactory progress is defined as progressing at a normal pace toward successful completion of a degree program. To read our full SAP policy, please click here.

International Students

International Students are not eligible for Federal Financial Aid and are expected to have sufficient funds to pursue their studies in the United States. The University does not have sufficient funds to offer financial assistance to newly admitted International Students. Once an Undergraduate student is of Junior status and has completed two years of full-time study at the University and demonstrates unexpected financial need due to special circumstances, they may apply for an International Grant. This grant is meant to assist in their tuition, not cover 100% tuition cost. Graduate students may want to explore Private Student Loans. For more information on studying in the U.S. and options for financing your education, please visit

Federal Financial Aid Regulations Regarding Students Who Withdraw From The University

The Higher Education Amendments of 1998 require that the University calculate pro-rated student aid eligibility for students who withdraw from all classes during a given semester. This process is called “Return to Title IV.” Online Degree Program students who withdraw from all classes with the intention of entirely withdrawing from the USF must contact their college as soon as possible to begin the withdrawal process.

Students who wish withdraw from all classes during a given semester, but plan to return to USF at a future date must contact their college office to request a Leave of Absence and provide the Financial Aid Office with written documentation specifying the semester in which they intend to return by emailing from their email address.

Aid awarded to the student and not earned at the time of the effective date of withdrawal will be returned to the Federal Title IV Student Financial Aid Programs. The Title IV programs include the Subsidized and Unsubsidized Federal Direct Stafford Student Loan Program and the Federal Parent or Graduate PLUS Loan Programs.

Federal regulations require that the amount of unearned Federal financial aid be calculated by measuring the number of days the student completed against the number of days in the term in which the student withdraws; that the University’s Student Accounts office return the unearned aid they accepted in payment of charges; and that the University notify the student of his/her responsibility for returning unearned aid he or she received as a refund from the Student Accounts office after all charges had been paid. If aid funds must be returned to the Title IV aid programs, loan funds will be returned before grant funds. Funds received by the Student Accounts office and by the student, if any, will be returned in the following order as long as there is any amount to be returned:

  • Unsubsidized William D. Ford Federal Direct Stafford Loan
  • Subsidized William D. Ford Federal Direct Stafford Loan
  • Federal Direct Parent or Graduate PLUS Loan
  • Federal Pell Grant
  • Federal Academic Competitiveness Grant
  • National SMART Grant
  • Federal Supplemental Educational Opportunity Grant (SEOG)
  • Other assistance programs authorized by Title IV of the Higher Education Assistance Act

The Student Accounts office and the Office of Financial Aid Operations have information on this policy for students admitted to and enrolled in the University’s degree and credential programs. Examples of repayment calculations are available.

Code of Conduct: Education Loans

The University of San Francisco does not participate in any revenue-sharing arrangements with any lender, nor does the University receive gifts from any lender, a guarantor, or a loan servicer for providing Loan Funds to its student population.

The “USF Private Loan Option List” is a list of lenders that USF has successfully worked with in the past and that USF students have borrowed from over the past five or more years. Students are not limited to these options when choosing a lender. USF approves or denies loan requests based on enrollment only. Any student receiving a Private loan must be enrolled in at least one class. Any student receiving Federal Direct loans must enroll at least half-time. If these conditions are not met, USF may deny the student loan certification.