Some colleges are scrambling to get financial aid to students enrolled in the summer term (2025)

Enrolling in college has been especially fraught this year, and financial aid experts are raising new concerns about the unforgiving timeline students could face if they rely on federal dollars to attend school this summer.

While most collegegoers register solely for the fall and spring terms, some, especially nontraditional and low-income students, depend on summer school to finish their degrees as quickly as possible and save money. Under changes made by the U.S. Education Department in 2017, those students are eligible for year-round government assistance.

But this year, a congressional mandate to streamline the process of applying for college financial aid threw the whole system into disarray. Students across the country reported widespread troubles filling out the Free Application for Federal Student Aid, or FAFSA, while the government botched crucial data that colleges needed to make aid offers.

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Though the situation has improved over the past month – FAFSAs are now being processed in one to three days, the Education Department says – many colleges are still far behind their typical schedules. The disorder has forced schools, in some cases, to rely on their own systems to calculate costs for certain students who want to enroll this summer and are eligible for Pell Grants, a need-based federal financial aid program.

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But the timetable leaves little room for error, some experts say.

“We are extremely worried about anyone who wants to enroll in college starting in the summer term and beyond,” said MorraLee Keller, the senior director of strategic programming at the National College Attainment Network. “The FAFSA fiasco has not left any part of higher education untouched.”

Some colleges are scrambling to get financial aid to students enrolled in the summer term (1)

In a statement to USA TODAY, the Education Department said the technicalities over when colleges choose to access Pell money will not change the amount of federal financial aid for which students are ultimately eligible.The agency said Friday it had processed over 10 million FAFSA forms.

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How a small Kansas college is faring

For people like Brenda Hicks, making sure Pell funding comes through this summer for students without a financial cushion has been frenetic.

Southwestern College, a small private school in Winfield, Kansas, where she serves as the director of financial aid, is one of a minority of higher education institutions that bases its summer aid on students’ next-year FAFSA data. It’s always a scramble to make sure those students get the money they qualify for, she said. Summer students at Southwestern are often older and have other responsibilities – jobs and kids, for instance – which can distract them from filling out all the necessary paperwork on time.

“I was very concerned,” Hicks told USA TODAY.

Southwestern’s incoming Pell-eligible class is relatively small – about 100 students. Disbursing aid to them last week went mostly smoothly, Hicks said, though a few students have had trouble filling out their FAFSAs from the start. After lots of back and forth with the Education Department, one summer-enrolled student just received a federal financial aid estimate Friday. Summer classes started earlier this month.

Because of problems with his FAFSA, another student at Southwestern still doesn’t have an idea of how much federal financial aid he could get. Though her office can’t disburse aid to him yet, Hicks said she is working closely with the billing staff to make sure he isn’t penalized for unpaid tuition or fees while his situation is pending.

“All the things that are happening this year are making it harder for me to stay on top of that, and make sure summer people are getting the attention they are due,” she said. “We’re just trying to hug him through it.”

Hicks said she worries about similar situations at larger schools, where there's a greater chance some students could fall through the cracks this summer.

Colleges' financial aid appeals still in limbo

It’s unclear to experts precisely how many colleges are working on a tighter timetable for summer financial aid this year. Thankfully, the majority of schools award their summer aid based on the prior year’s FAFSA, according to Jill Desjean, a senior policy analyst at the National Association of Student Financial Aid Administrators.

The Education Department did not provide USA TODAY an estimate of how many students received Pell Grants starting in the summer term of a comparable year. In the 2021-22 school year, approximately 700,000 students in total received the grants on a year-round basis, according to the agency. Much of that aid likely began in the fall term.

Students with special financial circumstances could be most at risk of having to forgo school this summer, Desjean said. That’s because colleges still don’t have the ability to appeal the government’s financial aid calculations – a decision schools make in unusual circumstances, such as when a student is facing a major medical condition.

That corrected information won’t be processed in large quantities by the feds until July, the Education Department has said. Until then, some schools are making their own unofficial calculations for students enrolled for the summer term. The Education Department is allowing them to disburse preliminary aid based on those estimates.

Later this summer, schools will have to compare the amount of money they already started giving students with the government's official numbers.

“Hopefully, they are the same,” Desjean said.

Zachary Schermele covers education and breaking news forUSA TODAY. You can reach him by email at zschermele@usatoday.com. Follow him on X at @ZachSchermele.

Some colleges are scrambling to get financial aid to students enrolled in the summer term (2025)

FAQs

Does summer count as a term for financial aid? ›

FAFSA aid can typically be used for any college term — including the summer. Just keep in mind that there is an annual maximum you can take out in federal loans, which includes the summer semester.

Why am I not getting financial aid for summer? ›

You will need to be registered for classes at least half-time (which is usually six credits) in order to qualify for federal loans for summer classes. Again, you should check with your school to make sure you have enough credits to be considered half-time enrolled. There are also dollar limits on federal financial aid.

Does failing a summer class affect financial aid? ›

Additionally, failing a class could affect your financial aid if you fail to meet hourly enrollment requirements or your school's Satisfactory Academic Progress (SAP) requirements (continue reading for more information on this specifically). Classes you take for pass/fail might be handled differently.

Is FAFSA good for summer classes? ›

The answer is yes—FAFSA covers summer classes to cover educational expenses incurred during the summer term. By recognizing the importance of academic year learning, FAFSA aligns with students' aspirations for continuous growth and skill development.

Do you get financial aid money in the summer? ›

According to the U.S. Department of Education, a student awarded a $3,000 Pell Grant, for instance, is likely to receive $1,500 each for fall and spring semesters and may qualify for up to $1,500 more for summer term if enrolled at least part time.

Does summer count as a term in college? ›

At U.S. colleges, the summer semester is a shorter, generally optional term that's not considered part of a traditional academic year. But when does the summer semester start exactly? And how can enrolling in summer classes benefit you?

How to get FAFSA for summer 2024? ›

To be considered for federal student aid for the 2023–24 award year, you can complete a Free Application for Federal Student Aid (FAFSA®) form between Oct. 1, 2022, and 11:59 p.m. Central time (CT) on June 30, 2024. Any FAFSA corrections or updates must be submitted by 11:59 p.m. CT on Sept. 14, 2024.

Does Dream Act cover summer classes? ›

Eligibility is dependent on the student's EFC, need and the number of units you will take in the summer. Award amounts are reduced for enrollment in less than 12 units. These funds are awarded to on-time FAFSA and DREAM Act applications.

Why am I not getting financial aid? ›

Students must be in good academic standing to receive federal aid. The required GPA varies from school to school, but typically students need a 2.0 or higher. If your grades fall below the minimum GPA, you could lose eligibility for financial aid. See also: What GPA do you need to get a full scholarship?

What disqualifies you from getting financial aid? ›

Not maintaining satisfactory progress at your college or degree program. Not filling out the FAFSA each year you are enrolled in school. Defaulting on a student loan.

How to fill out FAFSA for summer classes? ›

If you are applying for a summer session, contact the financial aid office at your college or career/trade school to find out which school year you should select when you complete your FAFSA form.

How to get off financial aid suspension? ›

But depending on the reason you lost it, you may have some options available to you:
  1. Contact your school's financial aid office. Speak with someone about the reasons for your suspension and the steps you'll need to take to get back on track.
  2. Appeal the suspension. ...
  3. Improve your grades. ...
  4. Get out of default. ...
  5. Be patient.
Dec 3, 2022

How many years does FAFSA cover? ›

You can remain eligible for a Federal Pell Grant until you receive your bachelor's degree or for up to 12 full-time terms or the equivalent (roughly six academic years). Federal Student Aid (FSA) provides additional information about Federal Pell Grant lifetime eligibility.

Does FAFSA cover a master's degree? ›

Absolutely. Anyone pursuing their education should apply for FAFSA whether you're just looking for scholarships, or a combination of scholarships, work-study, and federal loans.

What semesters does FAFSA cover? ›

The FAFSA covers the Fall/Spring/Summer semesters. For example, the 2024-2025 FAFSA covers Fall 2024, Spring 2025 and Summer 2025 semesters.

Does a summer job affect financial aid? ›

Remember that the FAFSA looks at annual earnings, so you'll also have to include any income you earned during the school year in addition to any summer income, too.

Does 23/24 FAFSA cover summer 24? ›

If you're applying for financial aid for the 2023–24 school year (typically July 1, 2023, through June 30, 2024), you should file a 2023–24 Free Application for Federal Student Aid (FAFSA®) form. Contact your school to verify what award year you should apply for, especially if you're attending school during the summer.

How long is a financial aid term? ›

School year for which financial aid is used to fund a student's education. Generally, this is the 12-month period that begins on July 1 of one year and ends on June 30 of the following year.

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