Financial Aid

The University of St. Thomas believes that qualified students who wish to attend should not be prevented from doing so for financial reasons. Through extensive financial aid programs, the University seeks to put educational costs within the reach of every student qualified for admission. Although the University expects students and families to finance the cost of education to the fullest extent possible, it makes every effort to assist those who need help.

Demonstrated financial need is the difference between the cost of attending the University of St. Thomas and the amount the student and parents can reasonably be expected to contribute toward these costs. Costs include actual tuition and fees, housing and food, books and supplies, personal expenses and transportation. The estimate of a family’s ability to contribute is determined in accordance with the federal need analysis as established by the U.S. Department of Education.

Eligibility for each type of assistance varies, depending on the source of funds. All students attending the University who meet the eligibility requirements listed below qualify for some form of financial aid. Assistance offered by UST includes institutional scholarships as well as federal, state and institutional grants, low–interest loans and work–study.

The Office of Scholarships and Financial Aid has counselors available to assist families as they complete the application process. For additional information concerning application procedures, the determination of need, or financial aid programs, contact the Office of Scholarships and Financial Aid at 713–525–2170 or by e–mail at

All students who believe they will need assistance to attend UST are encouraged to submit financial aid applications. Application procedures are outlined below.

Applying for Financial Aid

To apply for financial aid, all applicants must complete the Free Application for Federal Student Aid (FAFSA). The FAFSA form is available beginning Oct.1. Normal processing time of the FAFSA by the Department of Education is approximately 1 week.

FAFSA on the Web is a free U.S. Department of Education Website for completing a FAFSA online and submitting it via the Internet. Students must file the Free Application for Federal Student Aid online at UST’s school code, 003654, must be entered on the form. The FAFSA is signed electronically after the student (and parent, if applicable) first obtains a U.S. Department of Education ID, also at 

Applicants selected by the Department of Education for verification must also submit additional documents to the Office of Scholarships and Financial Aid, which may include IRS Tax Transcripts and Verification Worksheets, before any offer of financial aid can be prepared.

Other supplemental information will be requested as needed by the Office of Scholarships and Financial Aid. Students must have a completed financial aid file with all necessary documents, be regularly admitted to the University, and have met the minimum Satisfactory Academic Progress before any financial aid awarding may begin.

Financial aid awards are not made prior to admission to the University. Students are encouraged to pursue admission at the earliest possible point but should not wait for an admission decision before beginning the financial aid process.

Eligibility Requirements

Students seeking need–based financial aid must:

  1. Have a high school diploma, Home School Equivalent or GED equivalent
  2. Be admitted as a degree–seeking student
  3. Be enrolled for at least half–time (6 credit hours, minimum)
  4. Be a U.S. citizen or eligible non–citizen (I–551, I–151, I–94, I–688) or have certificate of naturalization
  5. Maintain satisfactory academic progress (details in following section)
  6. Not be in default on a federal loan or owe a refund on a federal grant

Satisfactory Academic Progress (SAP)

At the University of St. Thomas, all students applying for federal financial aid must meet the satisfactory academic progress guidelines as established and be in accordance with regulations. Students should be aware that their entire academic record will be considered when determining eligibility for financial aid regardless of whether aid has previously been awarded. The University’s satisfactory academic progress guidelines have all elements and components of the regulation. This policy is as follows:

Satisfactory academic progress for financial aid purposes is defined as meeting all of the following:

  1. Successful completion of 75% of all credit hours attempted
  2. Minimum grade point average
    1. Undergraduate – first semester GPA, 1.70-1.99; second semester Cumulative GPA, 1.80- 1.99, third semester Cumulative GPA, 1.90-1.99, fourth and subsequent semesters Cumulative GPA, 2.00 and above.
    2. Graduate: 3.00 Cumulative GPA
  3. Requirements for degree must be completed within a specified time: 180 credit hours attempted for undergraduates and 54 credit hours attempted for graduates.

“W”, “I”, and “F” grades will be calculated into the GPA as credit hours attempted with zero qualifying points earned. Courses passed with “P” grades will be counted into courses attempted but not into the GPA.