Your Financial Obligations

Tuition and Fees

It is your responsibility as a student to make the necessary arrangements to meet your tuition obligations by the stated deadlines. If you are an incoming student, your program start date can be delayed if you do not meet the 22nd deadline.

Click here to learn more about tuition and fees

Click here to read more about WGU’s financial policy

Student Loans

The most important word here is "loan." If you accept federal financial aid in the form of either a subsidized or unsubsidized Federal Direct Loan, it is a loan. You will be required to repay this loan once you have completed your degree program. Even if you withdraw from WGU Tennessee, you will be required to pay back any loan funds you borrow. Before you apply for aid, consider how you plan to repay the loans. Interest rates are currently modest, and repayment terms are reasonable. But you must be prepared to repay it whether you graduate or not.

Financial Aid Frequently Asked Questions

Will I qualify for aid?

Most WGU Tennessee students qualify for at least one type of federal aid. To be eligible for aid, you must be a U.S. citizen or eligible non-citizen with a valid Social Security Number who possesses a high school diploma, GED, or its equivalent. If you are a male, you must also be registered with the Selective Service. In addition, you must not be in default on a previous student loan or owe an overpayment on a grant.

The amount of financial aid you are eligible to receive will be based on:

  • Your FAFSA results.
  • The amount of financial aid available.
  • Distribution formulas based on university, state, and federal guidelines.
  • Other college, university, state, and federal criteria.

How is aid calculated?

The amount of financial aid you can receive is based on how much you need for educational costs, which include tuition, fees, supplies, technology, room and board, and other expenses. The following formula is used to calculate your need:

Financial Need = Cost of Attendance – Expected Family Contribution

The cost of attendance (COA), which is estimated by WGU Tennessee, takes into account your WGU Tennessee tuition and typical cost of supplies, travel, technology, and other expenses. The expected family contribution (EFC) is determined by the FAFSA process. The lower your EFC, the more aid you are likely to receive.

When am I going to get my award letter?

Your award letter (My Plan) states the loans and grants for which you are eligible. You should receive this letter via email from the Financial Aid Office within 2 to 4 weeks of completing the financial aid application process. WGU is responsible for disbursing your aid. We will "draw down" the available funds for tuition and fees within 4 to 6 weeks after you begin your program. Any excess funds are paid directly to you for supplies, computer technology, and other expenses. If you do not have enough financial aid funds to cover your tuition and fees, you will be notified by the Bursar.

What if I need to take several months off from my studies? Do I have to begin paying back my loans?

You may take a break or time off for one to three months at the end of any six-month term by submitting a request. When you have “exited” active status, you have a one-time six-month grace period before your loan goes into repayment. Whether you return following a three-month break or request to re-enroll within 180 days following a withdrawal, you will not use your one-time six-month grace period.

What’s the difference between a "dependent" and "independent" student?

A dependent student is one who is required to use parental information on the FAFSA. Independent students use only their own financial information.

What if I lose my job or incur major medical expenses? Can I get my financial aid award amount increased?

There is a possibility that you may be able to appeal your award if you have special circumstances. Appeals for special circumstances are reviewed by a counselor. All appeals must be fully documented in order to meet federal audit requirements. Approval may mean a change in the type of funds awarded and not an increase in aid. This process can be lengthy and may require several pieces of documentation from you. For more information, contact the Financial Aid Office via email at

What is considered "satisfactory" academic progress?

Satisfactory academic progress is a federal government requirement. In order to remain eligible for financial aid, you must be progressing toward your degree at a reasonable rate. At WGU Tennessee, your progress will be monitored by your mentor, who will make sure you are completing WGU Tennessee competency units on time and are otherwise moving through your WGU Tennessee Degree Plan appropriately. Your mentor will conduct a satisfactory academic progress review every six months, in addition to normal advising and monitoring. Please review the Satisfactory Academic Progress Policy.

What if I decide to quit working toward my degree?

When you withdraw from WGU Tennessee or drop below full-time status, you may be required to repay part of the financial aid funds received. See the Return of Title IV Funds policy for more information. If you borrowed a student loan, you will enter repayment (just as you would when you graduate). That means that your six-month grace period begins. You must make your first payment on your loan(s) at the end of the grace period. Remember, if you received an unsubsidized loan, you will be charged interest during the grace period.

Begin Financial Aid Application

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