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Financial Aid

A college education at University of Detroit Mercy is an investment that pays rich rewards — for a lifetime.

University of Detroit Mercy offers financial aid to undergraduate, graduate and professional students which assist many students in covering the cost of a higher education. Financial aid consist of scholarships, grants, college work-study and loans. Also, a variety of graduate assistantships and other discounts are available.

Our financial aid counselors specialize in creating affordable financial aid packages. We guide you through the application process until it is complete, then offer you the best package available. A private Detroit Mercy education is affordable – let us show you how!

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    How do I apply for aid?

    Complete the Free Application for Federal Student Aid (FAFSA)

    To receive financial aid, you must first complete the Free Application for Federal Student Aid (FAFSA), available online, or you may request a paper copy by calling 800-4-FED-AID.

    When filling out your application, you will be asked for UDM’s school code:

    • For undergraduate, graduate, dental hygiene and post-degree students, it is 002323.
    • For School of Law students, it is E00392.
    • For School of Dentistry students it is E01403.

    Answer the questions honestly and to the best of your ability. You may find it helpful to use the Student Aid Reference Sheet, created by the National Association of Student Financial Aid Administrators (NASFAA). Additionally, NASFAA offers guides with tips for completing your FAFSA if you have a unique situation that makes it difficult to answer the questions.

    Finished with your FAFSA? See accordion below on what to expect.

    Additional information regarding question 23

    If you fill out your FAFSA online and answer “yes” to question 23, you will be asked to answer a series of questions to determine your eligibility. 

    Similarly, if you fill out a paper copy of the application and answer yes to question 23, you will receive a worksheet with a series of questions along with your Student Aid Report. You must complete the questions to determine whether the conviction affects your eligibility to receive federal student aid.

    • If the date you regain eligibility falls before July 1 of the current year, the worksheet will instruct you to change your response to a   “1,” indicating full eligibility for the award year.
    • If the date falls between July 1 of the current year and June 30 of the next year, you are only eligible for part of the award year, and must change your response to a “2.”
    • If the date falls after June 30 of the next year, your response remains a “3,” and you are not eligible for federal student aid during the entire award year unless you complete a qualified drug rehabilitation program.

    Students convicted of federal or state offenses related to selling or possessing illegal drugs that occurred while they were receiving federal student aid should still complete and submit the FAFSA because they may still be eligible for financial aid, and even if they aren’t, they may qualify for state or institutional aid.

    Students who leave question 23 blank cannot be paid Title IV aid until they respond by submitting a corrected SAR or ISIR.

    Student Convicted of the Possession or Sale of Drugs
    (Source: 2009-2010 Federal Student Aid Handbook, Volume 1: Student Eligibility)

    If the student was convicted of both possessing and selling illegal drugs, and the periods of ineligibility are different, the student will be ineligible for the longer period A federal or state drug conviction can disqualify a student for FSA funds.

    Convictions only count if they were for an offense that occurred during a period of enrollment for which the student was receiving Title IV aid; they do not count if the offense was not during such a period. Also, a conviction that was reversed, set aside, or removed from the student's record does not count, nor does one received when she was a juvenile, unless she was tried as an adult.

    The chart below illustrates the period of ineligibility for FSA funds, depending on whether the conviction was for sale or possession and whether the student had previous offenses (a conviction for sale of drugs includes convictions for conspiring to sell drugs).

    Possession of Illegal Drugs Sale of Illegal Drugs
    1st Offense 1 year from date of conviction 2 years from date of conviction
    2nd Offense 2 years from date of conviction Indefinite period
    3rd+ Offense Indefinite period


    The Higher Education Opportunity Act (HEOA) established the requirement for schools to provide each student who becomes ineligible for Title IV aid due to a drug conviction a clear and conspicuous written notice of his loss of eligibility and the methods whereby he can become eligible again.

    A student regains eligibility the day after the period of ineligibility ends or when he successfully completes a qualified drug rehabilitation program. Further drug convictions will make him ineligible again. Students denied eligibility for an indefinite period can regain it only after successfully completing a rehabilitation program as described below or if a conviction is reversed, set aside, or removed from the student's record so that fewer than two convictions for sale or three convictions for possession remain on the record. In such cases, the nature and dates of the remaining convictions will determine when the student regains eligibility. It is the student's responsibility to certify to the school that he/ she has successfully completed the rehabilitation program.

    When a student regains eligibility during the award year, schools can award Pell, Academic Competitiveness Grant, National SMART,TEACH, and Campus-based aid for the current payment period and Direct and FFEL loans for the period of enrollment.

    Standards for a qualified drug rehabilitation program
    A qualified drug rehabilitation program must include at least two unannounced drug tests and must satisfy at least one of the following requirements:

    • Be qualified to receive funds directly or indirectly from a federal, state, or local government program.
    • Be qualified to receive payment directly or indirectly from a federally or state-licensed insurance company.
    • Be administered or recognized by a federal, state, or local government agency or court.
    • Be administered or recognized by a federally or state-licensed hospital, health clinic, or medical doctor.
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    What to Expect After You Have Completed FAFSA

    FAFSA / Award Notification

    SAR

    You will receive an email notice from the U.S. Department of Education with instructions on how to view your Student Aid Report (SAR).

    Or you may receive an SAR in the mail if you did not provide an email address or if you did not sign your FAFSA.

    How Your Aid is Determined

    Your financial aid is based on your FAFSA results as well as your "Cost of Attendance", a figure that is estimated based on your tuition and fees, housing, transportation and other expenses for an academic year.

    Academic Year

    At the University of Detroit Mercy, an academic year consists of Fall, Winter and a Summer semester.  With the exception of a few programs that require year round attendance, financial aid is generally packaged for Fall and Winter.  Students that would like financial aid for a summer term, not enrolled in a year round program will need to submit a institutional Summer Financial Aid Application.

    Award Notification

    Expect to receive your award notification by email when your file becomes complete.  The emails will be sent to official UDM student email accounts.  Students will use TitanConnect to access student account information, including financial aid awards. 

    Determine how much financial aid you will need by using the budget information found in TitanConnect, or by using the UDM Fees Card. Confirm the award in TitanConnect by "Accepting", "Declining" or reducing the aid offered. It's that simple!

    The University of Detroit Mercy will process Federal Student Loans, including Stafford, PLUS and Grad PLUS through the Federal Direct Loan Program.  ALL new borrowers to the Direct Loan Program will be required to complete a new Master Promissory Note (MPN).  Students borrowing for the first time will also be required to complete an Entrance Interview as well.  The Entrance Counseling is an on line tutorial about the loan programs.  You must respond to your award notification within 30 days of its date to receive awarded funds.  If you do not accept your award, funds may be reallocated to other students. 

    Parents accepting the PLUS loan will need to complete and return a Parent PLUS Loan Application as well as completing an MPN.

    NOTIFY A FINANCIAL AID OFFICER IMMEDIATELY IF YOU PLAN TO DELAY YOUR ENROLLMENT ONE OR MORE TERMS SO THAT YOUR AWARD CAN BE REVISED ACCORDINGLY.

    ALL AWARDS ARE SUBJECT TO AN ADJUSTMENT if any of the following take place:

     Number of Credit Hours
     Enrollment Status Full-time Three-Quarter Time Half-Time Less than Half-Time*
    Undergraduate 12+ 9-11 6-8 1-5
    Graduate 9+ 7-8 4.5-6 1-4
    Dental students are usually full-time
    Law School students indicate credit hours on their Institutional Application
    * Funding limited to Federal Pell grant, if eligible
    • Your enrollment status changes
    • Your living arrangements change
    • Received aid not listed on the original award
    • Your employer or another source contributes to your education
    • Your FAFSA information changes after verification
    • The granting authority (state or federal government, private agency, ect.) revises its award
    If your award changes, you will receive a notification of a change to your award with instructions about reviewing the current award in TitanConnect.  If you know that a change is necessary, please contact financial aid at (313)993-3350.

    Request for Additional Information

    Some applications require that additional information be submitted before it is complete.  Please respond promptly to all requests and include your student number on each document.  You may also be selected for Verification.  It is important that you respond promptly as federal financial aid cannot be released to your account until verification has been completed.

    Special Circumstances/Professional Judgements

    In some cases, the information presented on the FAFSA may not reflect the family's true ability to contribute towards a students education.  In cases where an unusual circumstance, such as, loss of work/income, death or birth in the family, etc. may affect the ability to contribute, financial aid professionals can sometimes make adjustments that more accurately reflect the family circumstances.  To be considered for this type of review, students must submit the Special Cirumstances form, with all pertinent documentation to the financial aid office. 

    Dependency Overrides

    On rare occasion there may be a need to override a student's dependency status.  A financial aid administrator (FAA) may do dependency overrides on a case-by-case basis for students with unusual circumstances. If the FAA determines that an override is appropriate, she must write out the determination and retain it and the supporting documentation. However, none of the conditions listed below, singly or in combination, qualify as unusual circumstances meriting a dependency override: 

    • Parents refuse to contribute to the student’s education.
    • Parents are unwilling to provide information on the FAFSA or for verification.
    • Parents do not claim the student as a dependent for income tax purposes.
    • Student demonstrates total self-sufficiency.

    Unusual circumstances do include (and may cause any of the above conditions) abandonment by parents, an abusive family environment that threatens the student’s health or safety, or the student being unable to locate
    his parents. In such cases a dependency override might be warranted.  If your circumstances warrant a dependency override, contact your financial aid advisor for guidance.

    Disbursement Information

    Financial aid is expected to be released to student accounts 10 days prior to the start of classes for each semester.  Aid cannot be disbursed until the requirements are met for each program.  Disbursements to student accounts continue as requirements are met.  If the disbursement of aid to student accounts create a credit balance, refunds will be released to students within 14 days of the financial aid payment.  The University of Detroit Mercy recommends students set up Direct Deposit for financial aid refunds as students will have access to the funds earlier than those who are issued paper checks. 

    Students can sign up for Direct Deposit in TitanConnect, on the Student tab, under Student Account.  Students who do not select to receive refunds by Direct Deposit will be issued a paper check, which will be mailed to the Home Address listed in their TitanConnect Account.

    Accept your award online

    Students can review and accept their financial aid award online using TitanConnect. Applicants will be notified about their financial aid awards, missing requirements and loan disbursements via their TitanConnect email account.

    The information provided on this website explains the financial aid process, as well as available scholarships, grants, college work-study, loans and more. It is designed to answer frequently asked questions and provide helpful information.

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    Verification Process

    Each year the federal government selects families to verify the information submitted on the FAFSA. 

    Verification must be completed no later than 30 days after the last date of the term you are enrolled in. Failure to do so will result in loss of any federal or state aid, including grants and loans. The student will be responsible for any resulting balance.

    If your Free Application for 2017-2018 Federal Student Aid (FAFSA) is selected for verification, you may be required to verify one or more of the items listed below.

    VERIFICATION ITEMS

    1. Household size, taxable household income, untaxed household income 

    If your application is selected for traditional verification, the Verification Worksheet is available in our office, or you may print one. Please complete ALL sections of the Verification Worksheet. This form must be signed and dated by both the student and one (1) parent (if the student is dependent). Please read the verification request carefully and follow the instructions to avoid delays. 

    Because this form of verification includes taxable household income, we must request that the student and/or their parents provide 2015 Federal income tax information before funds may be paid to the student's account.  Students/Parents may provide this information by doing one of the following - EITHER a. OR b.:

    a.  IRS Data Retrieval -  When completing the income sections of the FAFSA, the applicant is given the option to have this data retrieved directly from the IRS. If the IRS tax retrieved information is changed on the FAFSA, the applicant will be required to submit an IRS tax transcript. However, the IRS data can be retrieved by the applicant when a correction is made to the FAFSA. If the retrieved data is not changed, then an IRS tax transcript will not be required.  The IRS Tax Retrieval process will begin after February 15, 2016. The applicant must have a 2015 IRS tax return on file with the IRS.

    b.  If the applicants decide not to use the IRS data retrieval process and the application is chosen for verification, the applicant and the parents will be required to submit a 2015 IRS Tax Return Transcript.

    2. High School Completion

    Students who are selected to verify high school completion must provide either the Admissions Office or the Financial Aid Office with proof of graduation from a high school or equivalent.  For complete instructions, please see our High School Completion Verification Instruction Sheet.

    3. Identity & Educational Purpose

    Students who are selected for identity and educational purpose must visit the Financial Aid Office in person to verify their identity and sign a statement declaring that their financial aid will be used for the purpose of paying for their education.  To verify identity, the student must present a government issued ID such as a driver's license or passport.  For complete details, please see our 2017-18 Statement of Educational Purpose.

    4. SNAP (Food Stamps) & Child Support Verification

    Students who are selected for SNAP (food stamps) and Child Support will need to complete the 2017-18 SNAP & Child Support Verification Form to attest to receiving SNAP benefits in 2014 or 2015.  This form will also be used for the student to confirm child support paid in 2015, if any.

    TAX FILERS WITH SPECIAL CIRCUMSTANCES

    The IRS Tax Retrieval may not be available for the applicant in the following circumstances:

    • If the student or the student's parents have filed the FAFSA with a marital status of separated, divorced or widowed, but a joint tax return was filed for 2015 with the IRS;
    • If the tax filer is married to someone other than the individual included on the 2015 joint tax return;
    • If the parent or student was not married in 2015 but is married at the time the FAFSA is filed. The current spouse's income must be reported on the FAFSA;
    • If the parents or the student are married but filed tax returns separately;
    • If an amended tax return was filed.
    • Please indicate the student's I.D. number or SSN on each form.

    REQUESTING AN IRS TAX TRANSCRIPT

    Here are two (2) ways tax filers can request a tax transcript:

    1. ONLINE Go to www.irs.gov and request a copy of your 2015 Tax Return Transcript. For more detailed instructions, please see our IRS Tax Return Transcript Request Instructions. A paper transcript will be mailed to the requestor within 5 to 10 days. THIS CANNOT BE SENT DIRECTLY TO UDM. Please sign the tax transcript and send it to UDM.

    2. VIA TELEPHONE You may call the IRS at (800) 908-9946 and request a 2015 TAX RETURN TRANSCRIPT.

    IRS DATA AVAILABILITY

    In general, tax filers can anticipate that the IRS data will be available within either:

    • Two weeks if the tax return has been filed electronically with the IRS OR
    • Eight weeks if the tax returns have been mailed to the IRS.

    If the tax filer has changed or corrected the federal income tax return, the amended information may not be available through the IRS data retrieval process. You will be required to submit both the original IRS tax transcript as well as the amended IRS tax transcript.

    IRS 1040 WILL NOT AND IS NOT REQUIRED TO BE FILED

    The filers must attest that an IRS 1040 has not and will not be filed and that the IRS 1040 is not required to be filed. Copies of all 2015 W-2 forms from ALL employers must be submitted to the office of Scholarships and Financial Aid.

    Applicants filing a Puerto Rico tax return or a foreign tax return may not use the IRS Tax Retrieval and must send a signed copy of their 2015 tax documents.

    MORE INFORMATION

    We may require additional documentation to complete the verification process.

    IMPORTANT NOTE

    All Federal/State Aid listed on the TitanConnect award will remain an estimate until the verification process has been completed by the financial aid office.  If your financial aid award changes as a result of verfication, you will receive an email to your TitanConnect account informing you that your financial aid has been revised.

Contact Us

We're here to help you. For the fastest service, please contact your financial aid counselor directly. Counselors are assigned alphabetically or, where specified, by program.

Last Name / Program Financial Aid Counselor Phone (313 area code)
A-B / Student Employment / Private Scholarships / RA's Tina Cardamone 993-3353
C-I Dacia Sharp 993-3346
J-P Stephanie Craig 993-1407
Q-Z Kimberly Collins 993-3358
State Grants / Title 4 / Reporting / Tuition Remissions /International Experience / Assistant Director Teri Eldred 993-1406
Health Professions / Nursing Denise Morabito 993-1405
Dental / Dental Hygiene Angela Orlando 494-6617
Law / H-Z / Dual & International Programs Denise Daniel 596-9417
Law / A-G / Incoming Students Philip Krauss 596-9416
Freshmen / Assistant Director Rita Yeremian 993-3348
Loan Coordinator Melissa Keith 993-1404
Athletes / Director Jenny McAlonan 993-3354
Satisfactory Academic Progress / Associate Director Caren Bendes 993-3341

McNichols Campus Office

University of Detroit Mercy
70 Fisher Administration Center
4001 W. McNichols Rd.
Detroit, MI 48221

Reception desk: 313-993-3350
Toll-Free: 1-800-635-5020 (8:30 a.m. – 5 p.m.)
Fax: 313-993-3347
Email: finaid@udmercy.edu

School of Dentistry Office (Corktown Campus)

Detroit Mercy Dental
Room: DC 460
2700 Martin Luther King Jr. Boulevard
Detroit, MI 48208-2576

Phone: 313-494-6617
Fax: 313-494-6912
Email: finaid@udmercy.edu

School of Law Office (Riverfront Campus)

Detroit Mercy Law
133 Dowling Hall
651 E. Jefferson
Detroit, MI 48226

Phone: 313-596-0213
Fax: 313-596-9837 or 313-596-0280
Email: udmlawfa@udmercy.edu

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