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Financial Aid Quick Tips

Financial aid application tips

Once you have been accepted to UMHS, you will receive a financial aid package via email. It will contain detailed instructions on applying for financial aid. You should not submit an application to Sallie Mae until you have received and reviewed this email.

umhs st. kitts campus

St. Kitts campus

Sallie Mae loan applications

When applying to Sallie Mae, you must submit one loan application for the total amount you need to cover ALL semesters in your financial aid year (refer to the Cost of Attendance section for further details).

  • As per Sallie Mae regulations, approved loan amounts must be split evenly between the number of terms in your financial aid year and disbursed at equal time intervals.
  • It is important that you apply for the TOTAL amount you need for the ENTIRE year as shown in the cost of attendance budget in the financial aid package received via email.

Additional loans for each year of attendance

You will need to apply for a new loan each financial aid year (refer to the Financial Aid Cost of Attendance and Financial Planning Guides for details).

Prior to each new financial aid year, the Financial Aid Office will send you an email with the cost of attendance for the new year and instructions on how to reapply.

Loan adjustments

If you need to make changes to your loan once it has been certified, contact the Office of Financial Aid.

Refund checks

Refund checks will be released to you within 14 days of disbursement. For disbursement dates, refer to your notice of loan certification or log into your Sallie Mae account online. Refunds cannot be delivered to you prior to registration. 

The Office of the Bursar handles all student billing and billing account transactions, including calculation and delivery of refund checks. Questions regarding your refund check should be directed to the Bursar.

Loan deferment

UMHS does NOT have a federal school code for in-school deferment of your existing student loans. We do not automatically report enrollment to lenders. If you have existing loans, it will be at your lender's discretion to approve or deny a deferment or forbearance request.

Enrollment verification form certification

If you have a form that requires official certification of your enrollment at UMHS, send it to Ernestine Harrison, Assistant Registrar. Enrollment forms cannot be certified until after you are registered and enrolled.

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Office of financial aid

The financial aid office is open Monday - Friday, 7:30am - 5:00 pm ET

t: 212-868-0855 / e:

Elissa Schoening - Director of Financial Aid (ext. 320)


Contact the office of FA