Savanna Hoffman
Western Washington University, a public 4-year college in Bellingham, Washington, offers financial assistance to its students through grants, scholarships, work-study, and loan programs. The university's tuition fees are $8,967 for in-state students and $26,873 for out-of-state students. To apply for financial aid, students must submit the Free Application for Federal Student Aid (FAFSA) or the Washington Application for State Financial Aid (WASFA). Federal student loans are offered based on class level, dependency status, and Student Aid Index (SAI) as calculated by the FAFSA, with annual and lifetime loan limits in place. The average need-based self-help aid awarded to first-year students was $4,278, while the median federal loan debt among borrowers who completed their undergraduate degrees was $18,500. Students seeking information on how to get a student loan for Western Washington University should refer to the university's financial aid department and resources.
| Characteristics | Values |
|---|---|
| University Name | Western Washington University |
| University Type | Public 4-year college |
| Location | Bellingham, Washington |
| Number of Undergraduates | 13,686 |
| Acceptance Rate | 93% |
| In-state Tuition | $8,967 |
| Out-of-state Tuition | $26,873 |
| Sticker Price (including fees, room and board, books, and supplies) | $28,875 for in-state students; $46,781 for out-of-state students |
| Federal School Code | 003802 |
| Student Loan Debt Among Borrowers Completing Undergraduate Degree | Median of $18,500 |
| Median Monthly Federal Loan Payment | $196 |
| Percentage of Graduating Students with Private Loans | 5% |
| Average Private Loan Debt at Graduation | $26,102 |
| Annual Direct Loan Limits | Dependent undergraduates limited to $31,000; independent students limited to $57,500; graduate students limited to $138,500 |
| Requirements for Federal Student Loans | Submission of FAFSA or WASFA; enrollment of at least half-time (6+ credits for undergraduates/4+ for graduate students); completion of Entrance Counseling and Master Promissory Note (MPN) |
| Federal Student Loan Debt Relief | Available for certain borrowers who have entered repayment; Professional Judgement (PJ) determination can be made to recalculate aid eligibility due to changed financial circumstances |
| Financial Aid Support | Available through grants, scholarships, Work Study, and loan programs; appointments with financial aid counselors can be scheduled for complex questions |
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What You'll Learn
Federal student loans
To apply for a federal student loan, you must submit the Free Application for Federal Student Aid (FAFSA) or the Washington Application for State Financial Aid (WASFA). You can submit the FAFSA online at studentaid.gov. The FAFSA will determine your eligibility for financial aid, including federal loans, based on your financial need. It is recommended to file your FAFSA early as submitting it after the priority deadline may delay your financial aid package.
At WWU, 49% of students take out federal loans, with an average annual loan amount of $5,247. The median federal loan debt among borrowers who completed their undergraduate degree is $18,500. This is lower than the average for public schools, indicating that WWU may offer more affordable options compared to other institutions.
During your academic year, you may progress to the next class level, which may allow you to borrow additional loan amounts. If you wish to increase your loan amount or change from an unsubsidized to a subsidized loan, you must submit a request to the Financial Aid Department using the Reinstate/Increase Loan form.
It is important to understand your rights and responsibilities as a borrower. Exit Counseling is required for all federal student loan borrowers who are leaving the school, graduating, or dropping below half-time enrollment. This ensures that borrowers are aware of their loan obligations and are prepared for repayment.
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Eligibility requirements
To be eligible for a student loan at Western Washington University, you must meet the following requirements:
- Submit the Free Application for Federal Student Aid (FAFSA) or the Washington Application for State Financial Aid (WASFA).
- Be enrolled at least half-time (6+ credits for undergraduates and 4+ credits for graduate students).
- Be a dependent student or an independent student. Dependent students are those who can answer "yes" to at least one of the Dependency questions on the FAFSA. Independent students are those who do not meet the dependency criteria.
- Meet the academic class level requirements as determined by the WWU Registrar's Office.
- Meet the annual Direct Loan limits and aggregate lifetime loan limits. Undergraduate and postbaccalaureate dependent students are limited to $31,000, independent students to $57,500, and graduate students to $138,500.
- Complete Entrance Counselling and a Master Promissory Note (MPN) before receiving any Federal Direct Loan funds.
- Understand your rights and responsibilities and agree to the loan terms and conditions.
- Complete Exit Counselling when leaving school, graduating, or dropping below half-time enrolment to understand your student loan obligations and be prepared for repayment.
It is important to note that loan eligibility and amounts may vary based on individual circumstances and that students should carefully consider their potential loan repayment and total loan indebtedness before taking out any loans. Additionally, the Financial Aid Department at Western Washington University is available to assist with any financial aid-related questions and can provide further guidance on eligibility requirements.
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Loan limits
To apply for a student loan for Western Washington University, you must submit the Free Application for Federal Student Aid (FAFSA) or the Washington Application for State Financial Aid (WASFA). Western Washington University's Federal School Code is 003802, and this code is used for all WWU campuses and locations.
The amount of loan you are eligible for is based on your class level, dependency status, and Student Aid Index (SAI) as calculated by the FAFSA. You must be enrolled at least half-time (6+ credits for undergraduates and 4+ for graduate students).
In addition to annual Direct Loan limits, there are also aggregate lifetime loan limits. Undergraduate and postbaccalaureate dependent students are limited to $31,000, while independent students are limited to $57,500. Graduate students are limited to a total of $138,500.
Students who want to increase their loan amounts or exchange an Unsubsidized Loan for a Subsidized Loan must submit a request to the Financial Aid Department using the Reinstate/Increase Loan form. This form is available on the Online Forms web page.
All federal loans are submitted to the National Student Loan Data System (NSLDS) for the purposes of deferment and federal loan borrowing records.
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Grants and scholarships
Western Washington University offers financial assistance to its students through grants, scholarships, work-study, and loan programs. The university recommends that applicants apply for financial aid as soon as possible.
Grants
Western Washington University provides grants to its students, although it gives a smaller percentage of institutional grants than similar schools. Grants are preferable to loans because they do not need to be repaid.
Federal Pell Grants
Pell Grants are awarded by the federal government to undergraduate students who demonstrate financial need by filling out the FAFSA. Students with a bachelor's or professional degree are not eligible. The award amount should remain consistent regardless of the college you gain admission to. 21% of students at Western Washington University receive Pell Grants.
Scholarships
Western Washington University has transitioned to a centralized scholarship process where students complete a single scholarship application and are considered for all WWU scholarships they qualify for. The new WWU Scholarship Portal automatically matches students with scholarships they are eligible for.
Non-resident first-year students are automatically considered for merit-based and activity scholarships based on the information provided in their application for admission. Transfer students are automatically considered for merit-based scholarships as part of the application process. Western Undergraduate Exchange (WUE) Scholarships are available to select students from participating western states, including Alaska, Arizona, Colorado, Hawaii, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, South Dakota, Utah, Washington, and Wyoming.
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Private loans
Western Washington University offers financial assistance to students through grants, scholarships, work-study, and loan programs. The university recommends that students submit a Free Application for Federal Student Aid (FAFSA) or the Washington Application for State Financial Aid (WASFA) to apply for financial aid.
Several banks and lending agencies offer private educational loans to creditworthy borrowers or borrowers with creditworthy cosigners. Students are encouraged to carefully consider their options and needs before applying for a private loan. Private loans are generally less favourable than federal loans, and students are encouraged to submit a FAFSA application first to determine their eligibility for federal, state, and institutional aid. The FAFSA is available online at studentaid.gov.
Students should carefully calculate the amount of private student loan needed to prevent over-borrowing. Loan terms vary by lender, and students should consider factors such as interest rates, loan origination fees, repayment options, and cancellation or forgiveness options. A loan payment calculator can help estimate the monthly payment and total repayment amounts.
Once a student has decided on a lender, they must complete all the requirements requested by the lender. The lender will notify the Financial Aid Department at Western Washington University to certify the private student loan. After certification, students will receive a notification via their official WWU email account and Web4U. Funds will be sent to the university approximately 14 business days after the certification date or at the beginning of the academic term for which the loan has been requested, whichever is later.
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Frequently asked questions
To apply for a student loan to attend Western Washington University, you must first submit the Free Application for Federal Student Aid (FAFSA) or the Washington Application for State Financial Aid (WASFA). You will need a Department of Education Federal Student Aid ID to complete the FAFSA. You can request this online.
The median federal loan debt among borrowers who completed their undergraduate degree at Western Washington University is $18,500. This is $5,000 more than the national median.
The median monthly federal loan repayment is $196. This assumes a 10-year repayment period at 5.05% interest.
Yes, Western Washington University provides financial assistance through grants, scholarships, work-study, and loan programs. The average need-based scholarship or grant awarded to first-year students is $10,926, and 48% of first-year students received need-based financial aid in fall 2022.
Applications for financial aid are accepted on a rolling basis, but those received prior to the deadline will be given the strongest consideration. The deadline for the fall semester is January 31.
