Financial Aid Office

Step 3: Assess Award Package

1: Submit FAFSA application
2: Submit St. Kate's financial aid application
3: Assess award package
4: Apply for loans
Financial aid awards are prepared throughout the summer on a first-come, first-served basis for students who have submitted all application materials. Your award package includes an award letter, which details your eligible aid from federal, state, and private sources.

Use our online Award Guide pages to better understand types of aid, eligibility requirements, and costs and payment.

Please let us know if you make any changes to your housing, registration or FAFSA information. Awards are subject to change based on this information.

Online forms to report changes »

My award

Awards consist of grants and scholarships, as well as loans and work-study awards. Note the following:
  • Grants and scholarships do not need to be repaid.
  • Loans must be repaid with interest. Some loans accrue interest immediately upon disbursement, others will not begin to accrue interest until after graduation.
  • Work study indicates the amount of money you are expected to contribute to your education via student employment. The University does not guarantee money offered for work study. Students must find their own on-campus job and decide whether or not they want to apply their earnings to their overall balance.

The total amount of aid awarded in your package is based on the average enrollment for your program as well as your housing selection, and is considered your suggested need. The suggested need in your letter is best used as a general guideline and not a rule. We recommend that you calculate your own personal expenses to better assess your individual financial needs when deciding what kind of aid to authorize.

Authorize your award

Your financial aid award lists a variety of different aid sources that are options to assist you in financing your education. However, you have the right to reject any particular type of financial aid or other assistance listed on the award letter.

Once you have assessed your personal financial needs, you need to decide what aid to authorize from your award package.

Grants and scholarships do not need to be repaid, we assume you will accept these awards. Grant and scholarship money will be posted to your account automatically when financial aid is disbursed for the year.

We do not assume that you will accept loans. You must authorize loans each year.
It is important for you and your family to consider how much to borrow. The loan calculators at are an excellent resource to better assess how much loan money you need and how much you can afford to pay back. If you choose to authorize a loan, go on to step four. The authorization process for each loan will be different.

If you are interested in working on campus to meet your work-study award, visit the student employment page.

Outside scholarship or grant recipients

An outside scholarship, grant or benefit not listed on your award may affect your financial aid package. You are required to report outside funding, including any Veteran’s Education Benefits, to us. Please use our online Outside Aid form to do so. Outside scholarship and grant money is posted to student accounts once the funding is received.