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University of Florida scholarships, student loans and grants

How Florida Gators can cover expenses with in-school funding.

Thinking of going to the University of Florida? How much it costs — and how much you’ll go into debt — could be a key factor in your decision. In addition to federal and Florida financial aid, UF offers several institutional financing options for the future Gator.

How much does it cost to go to UF?

Cost of attending University of FloridaAnnual cost
Tuition and fees
  • In state: $6,380
  • Out of state: $28,658
Room and board$10,220
Books and supplies$850
Other expenses $2,650
Total cost for the 2019–2020 academic year
  • In state: $21,210
  • Out of state: $43,488

Tuition is only part of the cost of attending UF. Fees, housing costs, textbooks and miscellaneous expenses can quickly add up. In fact, UF students graduated with an average student debt load of $23,679 in 2016, according to the Department of Education.

Does UF offer a tuition payment plan?

Not exactly. But if you’re waiting for financial aid to come through, you can defer your payments. You might qualify if you’re waiting on federal or UF financial aid. You likely won’t if you’re waiting for private funding or Direct Loan approval.

Top UF scholarships and grants

Several school-funded scholarships and grants are available to UF students exclusively.

I. Douglas Turner Grant

AmountsYou might qualify for $200 to $5,000 per academic year.
QualificationsTo qualify for an I. Douglas Turner Grant, you must meet specific eligibility requirements:
  • Undergraduate student enrolled in at least six credits
  • 2.0 GPA or higher
  • At least 75% of the credits you’ve registered for complete
  • Demonstrated financial need based on your application
  • No defaults on a federal or institutional student loan
  • No refunds owed to another financial aid program
  • US citizen, national or permanent resident

The I. Douglas Turner Grant program is designed to help undergraduates who are struggling to cover the cost of attending UF. It’s similar to the Federal Supplemental Educational Opportunity Grant, but you don’t need to have a federal Pell Grant to qualify.

UF Graduate Grant

AmountsYou may qualify for $100 to $3,000 per academic year.
QualificationsUF doesn’t provide eligibility requirements for its Graduate Grant program, but general eligibility includes:
  • Graduate student at UF
  • Demonstrated financial need
  • Enrolled at least half time in your program
  • 3.0 GPA or higher or meeting your department’s academic standards
  • At least 75% of the credits you’ve registered for complete
  • No defaults on a federal or institutional student loan
  • No refunds or repayments owed on a financial aid award
  • US citizen, national or permanent resident

The UF Graduate Grant is similar to the I. Douglas Turner Grant, except it’s only available to graduate students who are struggling to cover the cost of attendance. You don’t need to meet federal financial need standards to qualify — that’s up to UF to determine based on its own application system.

UF Micro Grant

AmountsYou may qualify for $200 to $2,500.
QualificationsTo qualify for a Micro Grant, you must meet two eligibility requirements:
  • Undergraduate student
  • Completed FAFSA

UF’s financial aid office automatically evaluates students to determine those who might be eligible. If you can qualify, you’re automatically offered the grant.

The UF Micro Grant program is designed for undergraduate students who have fallen behind on school payments. It’s a one-time grant that gets students back on their feet. Micro Grant recipients are required to meet with an academic adviser and take an online financial literacy course.

Grad-A-Gator Grant

AmountsVaries depending on need.
QualificationsYou must meet minimum requirements for the Grad-A-Gator program:
  • Undergraduate student
  • Intention to register for at least 15 credits per semester for the coming academic year
  • Demonstrated financial need to cover the difference between a 12- and 15-credit course load

Learn more about the grant’s requirements by setting up an appointment with a UF financial aid adviser.

The Grad-A-Gator program is designed to help undergraduates graduate within four years. If money is the only thing holding you back from registering for 15 credits or more, you might qualify for this program. Similar to the requirements of the Micro Grant, recipients must complete a financial literacy course and meet with an academic adviser.

Machen Florida Opportunity Scholarship

AmountsVaries depending on need.
QualificationsTo qualify for this scholarship, you must meet a litany of requirements:
  • Florida resident
  • First generation in your family to attend an undergraduate program
  • FAFSA application submitted by the December 15th before your first fall semester
  • Enrollment in at least 12 credits per semester
  • Ability to maintain a 2.0 GPA
  • At least 75% of the courses you enroll in completed
  • No defaults on any student loans
  • No refunds owed to another financial aid program
  • No more than $25,000 in total family assets, other than your family’s home

Total family income requirements vary by academic year:

  • First-year student — no more than $40,000
  • Sophomore — no more than $44,000
  • Junior — no more than $48,000
  • Senior — no more than $52,000

The Machen Florida Opportunity Scholarship is a state-supported, need-based scholarship intended to help low-income first-generation college students attend UF without having to work or take out a loan.

To qualify, you must submit the FAFSA around the same time as your UF application. To remain eligible, you’ll need to participate in peer mentoring activities and attend career- and life-planning workshops, among other requirements.

Florida College Transfer Academic Scholarship

AmountsTotal $4,000 per academic year
QualificationsBasic requirements of this scholarship include:
  • Undergraduate student
  • Transfer student from an in-state community college
  • GPA of at least 3.8 at your community or junior college
  • 3.0 GPA while attending UF
  • Complete at least 14 credits per semester

Two students transferring to UF from a Florida community college are granted this merit-based scholarship each year. To throw your hat in the ring, you must apply by May 1st of the academic year before you intend to attend UF.

UFIC Semester and Academic Year Scholarships

AmountsThe UF International Center (UFIC) offers several scholarship programs to help fund study abroad programs. How much you can qualify for varies by program:
  • The Daniel Sinclair Bredahl Scholarships — $2,000 a semester or $4,000 a year
  • The Sones Scholarships — $5,000 a semester or up to $2,500 for a summer program
  • UFIC Scholarships $1,000 a semester or $2,000 a year
  • UFIC Summer Scholarships — $1,000 for a summer program
  • Irene Phillips Alliance Scholarships — Varies

Select academic departments also offer scholarships.

QualificationsYou must meet the UFIC’s most basic requirements for a study abroad scholarship:
  • 2.5 GPA or higher
  • Letter of acceptance to a study abroad program
  • At least 18 years old by the study abroad program start date
  • US citizen or permanent resident

Deadlines vary depending on the semester you’d like to fund:

  • Academic year or fall semester — March 1st
  • Spring semester September 20th
  • Summer sessions — February 1st

Study-abroad scholarships are available to UF students who want to spend a year, semester or summer in another country. You need acceptance into a program before you apply. Applicants must complete the Study Abroad Scholarship Application and provide two letters of recommendation, an UF academic transcript and a statement of purpose.

Additional need- and merit-based UF scholarships

UF offers several additional scholarship programs available to specific areas of study or financial need.

Are other scholarships and grants available?

Yes. A wide range of both government-funded and private scholarships are available to UF students. These include federal programs, as well as programs funded by the State of Florida, like the Florida Bright Futures Scholarship.

Like with many state schools, more options are available for in-state students.

Student loans to pay for UF

UF offers two institutional loans for students: a long-term loan and a short-term loan.

UF Long-Term Loan

  • Amounts: $500 to $3,500 a year
  • Rates: 4% to 9%
  • Terms: 10 years
  • Eligibility: Demonstrated need after completing the FAFSA, at least half-time enrollment, 2.0+ GPA, at least 75% of attempted credits complete, cosigner age 18+ who isn’t a student or spouse, US citizen or permanent resident, no defaults or owed refunds for past financial aid

The UF Long-Term Loan is designed for students who can’t qualify for enough federal student aid and want to avoid taking out private loans. Interest doesn’t start adding up until six months after you graduate or drop below half time — which is also when repayments begin. UF offers a variety of repayment plans depending on your financial situation.

UF Short-Term Loan

  • Amounts: Up to $1,000 if your tuition is paid or deferred, otherwise the amount of your in-state tuition
  • Rates: 1% monthly interest rate
  • Terms: By the end of the semester or when you receive your repayment source
  • Eligibility: At least half-time enrollment as an undergrad or grad student, valid repayment source, no credit holds or negative marks on your credit report

Students who need emergency funding can apply for a short-term loan with UF to cover educational expenses. You must show proof of money coming in to qualify, including scholarships or grants. After you receive those funds or when the semester ends, whichever comes first, your loan is due in full.

Typically, your short-term loan is disbursed two to three days after submitting your application to Student Financial Affairs in S-107 Criser Hall.

Compare private student loans

Explore your options by APR, minimum credit score, loan amount and loan term. Select the Get started button to start an application with a specific lender.

Name Product APR Min. Credit Score Loan amount Loan Term
EDvestinU Private Student Loans
4.092% to 8.609% with autopay
$1,000 - $200,000
7 to 20 years
Straightforward student loans for undergraduate and graduate students.
CommonBond Private Student Loans
3.74% to 10.74%
$5,000 - $500,000
5 to 15 years
Finance your college education through this lender with a strong social mission and terms that fit your budget.
Edvisors Private Student Loan Marketplace
Varies by lender
Varies by lender
Varies by lender
Varies by lender
Quickly compare private lenders for your school and apply for the right student loan.
Credible Labs Inc. (Student Loan Platform)
Starting at 0.99% with autopay
Good to excellent credit
Starting at $1,000
5 to 20 years
Get prequalified rates from private lenders offering student loans with no origination or prepayment fees.

Compare up to 4 providers

Bottom line

UF offers several grants, scholarships and even loans when federal and state aid isn’t enough to cover the cost of attendance. Even if you don’t qualify for need-based funding, you’ll find ways to reduce your out-of-pocket expenses.

Learn more about how UF funding compares to other financing options in our comprehensive guide to student loans.

Frequently asked questions

How much does it cost to attend UF as a graduate student?

UF projects that 2019–2020 costs for in-state graduate students at $29,060 if they live on campus or $30,840 if they live off campus. Out-of-state graduate students might pay around $46,454 a year on campus and $48,234 off.

How long do I have to live in Florida to qualify for in-state tuition?

You must live in Florida for the 12 months before enrolling at UF to qualify for in-state tuition. If your parents claim you as a dependent on their taxes, you can also qualify for in-state tuition if they’ve:

  • Lived in Florida for the past 12 months.
  • Bought a home they use as their primary residence.
  • Filed documents with their county clerk establishing their Florida home as their permanent residence if they have residences in other states.

Does UF offer a work-study program?

It does. In fact, several work-study programs are available to UF students:

  • Federal Work-Study Program
  • Federal Community Service Work-Study Program
  • Veteran’s Affairs Work-Study Program
  • Florida Work Experience Program

Students can also apply to work on and off campus through the UF Career Connections Center.

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