Lori Meadows
The University of North Florida offers a range of options for students to pay back their student loans. Before considering private educational loans, students are advised to apply for other types of financial aid, such as federal, state, and institutional grants, federal work-study, and low-interest federal loans. The University encourages students to borrow only what is necessary to cover their costs of attendance. Students can pay their tuition and fees by check, money order, cashier's check, or online with an e-check or credit card. They can also wire funds directly to the University's bank account. The Student Financial Services Office provides support and guidance to students throughout the financial aid process.
| Characteristics | Values |
|---|---|
| University | University of North Florida |
| Office | Student Financial Services Office |
| Location | Building 10, Suite 1300 |
| Payment Methods | Check, money order, cashier's check, online with e-check, debit or credit card |
| Online Payment Platforms | myWings, myWings web portal |
| Late Payment Fee | $100 |
| Contact | (904) 620-2543 |
| Federal Student Aid (Title IV) School Code | 009841 |
| Florida Financial Aid Post-Secondary Institution (PSI) Code | 161 |
| Repayment Options | Standard, Extended, Graduated, Income Contingent, Income-Driven, Income-Sensitive |
| Repayment Period | 10 to 25 years |
| Types of Loans | Federal, private |
| Federal Loans | William D. Ford Federal Direct Loan Program |
| Federal Direct Loans | Subsidized and/or Unsubsidized |
| Federal Direct PLUS Loans | Require new loan applications each year |
| Private Loans | Credit-based |
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What You'll Learn
Payment methods and locations
Students at the University of North Florida (UNF) have a variety of options for paying back their student loans. The Student Financial Services Office is located in Building 10, Suite 1300, and is responsible for accurate receipting, depositing, and recording the collection of all university monies, as well as the prompt payment of fee refunds and financial aid disbursements.
Students may pay tuition and fees in person at the Student Financial Services Office by check, money order, or cashier's check. There is also a night drop box located outside the office for after-hours payments. Payments made by check must include the UNF student ID number, the driver's license number of the check holder, and a phone number on the front of the check. Cash should not be placed in the drop box.
Students may also pay online via the myWings web portal using an electronic check (e-check) or with a debit or credit card. There is no convenience fee for paying by e-check, but there is a 2.85% fee for domestic credit cards (4.25% for international cards). Students can also sign up for direct deposit via myWings, which is required for all refunds.
Additionally, students can wire funds directly to the university's bank account for the amount due on their student account. However, the university is unable to accept wire transfer payments that exceed the balance due on the account.
For questions about payment due dates or meal memberships, students can contact Chartwells at (904) 620-2543.
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Payment deadlines
Student loan payments at UNF are usually due monthly, with a range of repayment options available. Generally, borrowers have 10 to 25 years to repay their loans, depending on the repayment plan chosen. The most common repayment plans include Standard, Extended, Graduated, Income Contingent, Income-Driven, and Income-Sensitive.
To receive loan funding each academic year, students must renew their FAFSA application annually. Students with Federal Direct Loans must be enrolled in and attending at least six degree-applicable credit hours in UNF coursework. Disbursement of financial aid usually takes place approximately three weeks after the start of each term, with funds continuing to be disbursed weekly throughout the term as students meet eligibility requirements.
Students can pay tuition and fees in person at the Student Financial Services Office by check, money order, or cashier's check. Payments can also be made by mail or via the drop box outside the Student Financial Services Office. Additionally, students can pay online using their checking account or with a credit card via the myWings web portal.
It is important to note that payments placed in the drop box after the close of business will incur a $100 late payment fee. Students are advised to check their myWings account before the payment deadline to ensure their loans are awarded and accepted.
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Types of loans
Students at the University of North Florida (UNF) can pay their fees by check, money order, cashier's check, or online with an e-check or credit card. Payments can be made in person at the Student Financial Services Office, by mail, or through the dropbox outside the office.
Now, here is some information about the types of loans available:
Federal Direct Loans
These are low-interest loans available to eligible students through the William D. Ford Federal Direct Loan Program. The funding comes from the US Department of Education, and the loans are the most common for funding undergraduate and graduate education. To apply, students must file a FAFSA application and be enrolled at least half-time (six credit hours) in degree-applicable coursework. There are two types of Federal Direct Loans:
- Subsidized: These loans are awarded based on financial need and do not accrue interest while the student is enrolled at least half-time or during authorized periods of deferment.
- Unsubsidized: These loans allow students to borrow beyond their subsidized loan amount but within the loan limits and not exceeding the cost of attendance minus other financial aid. Interest begins accruing as soon as the loan is disbursed, but students can defer interest payments until the loan enters repayment.
Direct PLUS Loans
These are available to parents of dependent undergraduate students enrolled at least half-time in an eligible program. PLUS loans are low-interest, credit-based loans that supplement the student's financial aid package up to the cost of attendance. Loan repayment begins when the school disburses the loan.
Private Loans
Private educational loans are credit-based and should be considered a last resort after exploring all other federal aid options. These loans vary in terms, conditions, and eligibility requirements, so students should carefully review the details and consult with a One-Stop counselor before applying. International students must have a valid Social Security Number or Individual Tax Identification Number (ITIN) for private loan eligibility.
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Loan repayment options
Federal Student Loans:
Federal student loans, such as the William D. Ford Federal Direct Loan Program, are the most common type of student loans. These loans are typically low-interest and have fixed interest rates that are determined annually on July 1. There are two types of Federal Direct Loans: subsidized and unsubsidized. Both have a six-month grace period after graduation or leaving school before repayment begins. During this grace period, no payments are required, and for subsidized loans, the government pays the interest. Federal student loans usually offer flexible repayment options, including:
- Standard Repayment Plan: This is the most common plan with fixed monthly payments over a 10 to 25-year period.
- Extended Repayment Plan: Provides extended repayment terms beyond the standard 10 years, lowering monthly payments.
- Graduated Repayment Plan: Payments start low and gradually increase over time, usually over a 10 to 25-year period.
- Income-Driven Repayment Plans: These plans base monthly payments on your income and family size, typically capping payments at a certain percentage of your discretionary income. Examples include Income-Contingent, Income-Driven, and Income-Sensitive plans.
Private Student Loans:
Private student loans are credit-based and obtained from private banks or lenders. These loans should be considered a last resort after exploring all federal aid options. Private loans vary in terms, conditions, and eligibility requirements, so it's important to understand the specifics of your loan. Private loan repayment options may include:
- Variable or fixed interest rates.
- Repayment plans with different loan terms, such as standard, extended, or graduated plans.
- Deferment or forbearance options, allowing you to temporarily postpone or reduce payments under certain circumstances.
Payment Methods at UNF:
Regardless of the repayment plan, UNF offers several ways to make payments:
- Online through the myWings web portal using an e-check or credit card.
- By mail or in person at the Student Financial Services Office using a check, money order, or cashier's check.
- Wire transfer directly to UNF's bank account for the amount due on your student account.
It is important to note that students should always refer to their specific loan terms and consult with financial aid specialists at UNF for personalized advice on loan repayment options.
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Student Financial Services Office contact information
The Student Financial Services Office at UNF is located in Building 10, Suite 1300. The office communicates with students via UNF email. Students are advised to check their UNF email accounts regularly and not to forward them to another email account.
The Student Financial Services Office provides tips and a course on financial literacy. Students can pay tuition and fees in person at the office by check, money order, or cashier's check. Payments can also be made via mail or by using the night drop box located outside the office. Students may also pay online using their checking account or with a credit card on the myWings web portal.
The University of North Florida requires direct deposit for all refunds. Students can enroll via myWings by clicking on "My Bill" and then "Enroll in eRefunds" in the eRefunds section.
For questions or additional forms, students can contact the Student Financial Services Office using their online form. The Treasury Department can be contacted at [email protected] for further instruction regarding wiring funds for tuition and housing payments.
Students seeking face-to-face guidance may contact One-Stop Student Services to schedule an appointment with a financial aid specialist.
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Frequently asked questions
Students at UNF can pay back their student loans by check, money order, cashier's check, or online with an e-check or credit card.
Payments made at UNF are due monthly. Students who do not pay by the deadline are at risk of being administratively dropped for non-payment and may be assessed a $100 late payment fee.
Students can pay back their student loans in person at the Student Financial Services Office, Building 10/Room 1300.
