Applying for Financial Aid

Wildcat Welcome, Denver

We’re here to help you understand the financial aid process — and make college happen! Use the timeline below to apply for aid.

We’re here to help you understand the financial aid process — and make college happen! Use the timeline below to apply for aid. AMY O’CONNELL, director of Undergraduate Admissions

Beginning Oct. 1: Apply for Aid (FAFSA)

The FAFSA(Fee Application for Federal Student Aid) is your Free, one stop shop for all Federal, State and JWU aid. Be sure to create a FSA User ID for you as well as a parent prior to starting your FAFSA at To maximize your financial aid eligibility, apply as early as October 1. You can automatically insert your income, by using the IRS data match.

6 Reasons to File Your FAFSA

  1. It’s the ONLY way to determine if you are eligible for federal and state aid.
  2. It’s FREE.
  3. It takes just 30 minutes.
  4. Eligible students who can apply:
    • High school students
    • Transfer students
    • Graduate students
    • Adult Learners
    • Veterans
  5. There’s no obligation to accept student loans.
  6. If you have financial need you may qualify for grants.


  • FAFSA Tutorials on YouTube
  • If required, complete the verification process by submitting tax transcripts and verification worksheet(s).
  • After you file, review your Student Aid Report (SAR) to make corrections.

December: Get Your Aid Offer

Now that you’ve been accepted, if you filed your FAFSA, JWU will prepare a financial aid offer for you. Our aid offer may include a combination of loans, grants and possibly scholarships. Finances are a significant consideration when choosing a college or university and we want to keep JWU at the forefront of your options. Did another school offer you a more favorable offer? If yes, we would be happy to review that institution’s package against the offer we made to determine if you qualify for additional JWU institutional aid. Just complete the following steps and we'll review what we offered you.

  1. Email a scanned copy of the other school’s offer to the 2020-21 Competitive Offer Appeal. As an alternative, you may fax these materials to 401-598-1040.
  2. Please include your JWU student ID number (it starts with J).

While we do not match financial aid offers from other schools, we will review a number of items from both schools, including type of school (public or private), to determine if you are eligible for additional Johnson & Wales aid.


Loans allow you to borrow money for school. They are legal obligations – and you must repay them, with interest. Talk to your JWU financial planner about loan options, repayment plans and managing debt.

Subsidized and or Unsubsidized Federal Direct Loans

“Subsidized” means that the federal government pays the interest while you’re in school.

  • Federal Direct Parent PLUS: Low-interest loan. You must be a parent or stepparent and a US citizen or eligible noncitizen
Tuition Reimbursement

Check with your employer’s human resources department to see if they have a tuition assistance program.

Earned money (Federal Work Study)

Private Loans

We recommend that you exhaust ALL grant, scholarship and federal loan options prior to obtaining a private loan.

Financial Planners

Your JWU financial planner guides you through every step of paying for college, and helps you:

  • Understand your aid offer
  • Translate financial terms and aid types
  • Understand the verification process
  • Review tuition and fees
  • Discuss payment plan options — monthly, term, loans
  • Appeal for additional resources

For any questions, contact our financial services team.

May: Complete Forms

Once you decide to enroll at JWU, complete these quick steps:

  1. Submit your reservation fee (Note: the deadline has been extended to June 1, 2020 for the September 2020 semester)
  2. Use your FSA ID from the Department of Education to complete your entrance counseling and Master Promissory Note (MPN)

TIP: Review your invoice with your annual charges and financial aid.

July: Finalize Your Payment Plan

You’re almost a JWU Wildcat — just a few more steps! You will receive info so you can:

  1. Finalize your payment plan
  2. Finalize your housing plans
  3. Submit all requested financial aid forms (by the appropriate deadlines)
FAFSA Changes

To maximize your financial offer, you can apply as early as Oct. 1