University of Northwestern Ohio

Financial Aid

Mission Statement: The Office of Financial Aid preserves the integrity of all financial aid programs that will promote access to higher education by eliminating cost as an obstacle for our students and families to meet their goals.
Your financial aid staff is here for you! Our office hours are:

Monday - Friday 7:30AM — 5:00PM *
*Office hours are extended until 6:00PM on the first day of each academic term.

The 2024/2025 FAFSA will be available to complete December 2023 at  Have your FSA IDs ready!

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Financial Aid Process

1. Check local scholarships. Many have early deadlines  
2. Create your FSA User ID at Parents of Dependent students must each create an FSA ID in addition to the student.
3. Complete the FAFSA online at
  • Need to have STUDENTS Income Taxes and W2's (if any)
  • Need to have PARENTS Income Taxes and W2's (if any)
  • Everyone must file a new (or renewal) FAFSA every year
  • Complete FAFSA On-Line beginning October 1st using the IRS Data Retrieval tool if applicable
  • Should complete no later than 2nd week of February every year
  • Government selects approximately 18% of filers to provide copies of signed tax returns with all applicable schedules and W-2’s. 
  • The UNOH School Code is 004861
4. Student receives a Student Aid Report
  • Student Aid Report (SAR)
  • Purpose is to verify accuracy of FAFSA information
  • Must be verified by student and parent
  • No response necessary if all correct
(Dec-Apr 15)
5. Student receives a Financial Aid Offer
  • Student receives postcard and/or email with instructions on how to view their Financial Aid Offer at
  • Financial Aid Offer only tells you what you are ELIGIBLE FOR
  • A Financial Aid Offer displays how financial aid can be distributed over applicable periods
  • Student must review distribution plan
  • Reviewing a Financial Aid Offer must be done but additional processes are required to use student loans.
  • Determine if you will need to use the offered Federal Direct Student Loan
6a. Student applies for Federal Direct Student loans at
  • Complete Entrance Counseling
  • Sign Master Promissory Note
  • Complete the Annual Student Loan Acknowledgement 
  • Determine if Federal Direct Student Loan is sufficient for all of your needs (usually not)
6b. Student and/or Parent/Co-Signer applies for additional costs
  • Apply no sooner than 180 days before students start date
  • Parents can apply for a Federal PLUS Loan. Determine if Federal Direct Parent Loan is best for you.
    • Parents may apply at
    • Note: Students for whom Federal Direct Parent PLUS loans are declined may have additional Federal Direct Student Loans available
  • Students can apply for Private Loans, and enlist assistance of a Parent or Co-Signer if necessary.    Private loans can be applied for by students or non-student borrowers. Lending options are available at ELMSelect.
    • Perform preliminary credit approval requirements
    • Sign Master Promissory Note by You, Parent, Guardian, and Co-Signer as required
7. Have your high school send your Final High School Transcript to the Registrar's Office at UNOH. This is a Federal requirement necessary for disbursement of Federal aid funds.  

Financial Aid Contact

1441 N. Cable Rd.
Lima, Ohio 45805
Attn: Office of Financial Aid



Monday - Friday 7:30AM — 5:00PM *

* Hours after 5pm are only offered on Monday and Wednesday of the first week of each academic term.