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You must apply for financial aid every year. The best time to apply is as soon as possible on or after December 1st for the following school year (Fall and Spring semesters).

The best way to submit your FAFSA (Free Application for Federal Student Aid) is online at studentaid.gov using your FSA ID.

The federal school code for USA is 001057. The USA College of Medicine uses this same code.

No, graduate and professional students are "independent" of their parents income for federal money. College of Medicine students are not required to put their parental tax information on the FAFSA.

If your FAFSA is selected for verification, you will be notified through your JagMail email account. You will also be able to view the requirements online by going to /services/logins/students/ and selecting the ‘USA Financial Aid Verification Portal’.

Go to studentaid.gov and sign in with your FSA ID. Update the FAFSA by selecting ‘Make Corrections.’

All financial aid students at USA must be accepted for admission before a financial aid award will be processed. Make sure all of your outstanding requirements are completed.

The Office of Financial Aid will start processing awards for the following aid year in the spring. You will receive an email to your JagMail account when your award is ready to review.

You can apply for financial aid anytime during the current school year as long as the school receives a valid FAFSA; however, the priority deadline for FAFSA completion is May 1st. If a student submits their FAFSA after May 1st, the student’s award may not be processed by the time school starts.

Most financial aid funds are credited to your student account to cover tuition, fees, and other institutional charges. Any remaining funds will be issued to you by the Office of Student Accounting via direct deposit or by check mailed to your address on record. You can check your address on .

The Office of Student Accounting handles all refunding of financial aid to students. Refunds are processed within 14 business days of disbursement. You can contact the Office of Student Accounting at (251) 460-6195 or studentaccounting@southalabama.edu.

Please check to see of any of these items apply:

Check PAWS for the following:

• Is your address correct?

• If you enrolled in direct deposit, is your bank account information accurate?

• Do you have outstanding requirements for your financial aid file?

• Did you complete the Entrance Counseling and MPN online at studentaid.gov?

• Are you registered?

• Is your financial aid disbursement more than your tuition, fees, and other institutional charges?

Yes, Direct Loans will charge an origination fee. Please go to for more information.

Go to  for more information regarding loan programs.

Typically, M1 and M2 students are eligible for $40,500 in an unsubsidized loan. M3 and M4 students are normally eligible for $47,167 in an unsubsidized loan.

For an unsubsidized loan to disburse, a student must complete the Entrance Counseling and MPN online at studentaid.gov. A student must complete the Graduate PLUS loan application and Graduate PLUS loan MPN at the same website if the student wants the Graduate PLUS loan to disburse.

Please email Stephanie Roote, the Associate Director of Financial Aid in the College of Medicine, at sroote@southalabama.edu in order to decline one or all of your loans.

All financial aid students at USA must be accepted for admission before your financial aid award will be processed. If you haven't applied to USA, visit College of Medicine Admissions. If you have been admitted or readmitted to USA but haven't heard from the Financial Aid Office, please email Stephanie Roote at sroote@southalabama.edu.

A valid FAFSA has to be on file in order to review a student’s eligibility and process aid. We continually receive FAFSAs throughout the academic year. However, the priority deadline for FAFSA completion is May 1st. If a student submits their FAFSA after May 1st, the student’s award may not be processed by the time school starts.

Please view the Office of Financial Aid’s policy on Return to Title IV here: /departments/finaid/r2t4.html.

If you have not been admitted to USA, please go to /services/logins/students/. From there, click 'Student Account Activate' and enter the requested information. 

Follow these steps to access PAWS:

1. Go to /services/logins/students
2. Click on "PAWS" (log in using your JAG Number and JagNet password)
3. Click on Student Services and Financial Aid
4. Click on Financial Aid
5. Click on My Eligibility
6. Click on Student Requirements
7. Select Aid Year

Follow the steps below to view your offer in PAWS:

1. Go to /services/logins/students/ and select 'PAWS'
2. Log in (if prompted) using your JagNet credentials
3. Click on 'Student Services and Financial Aid'
4. Click on 'Financial Aid'
5. Click on 'My Award Information'
6. Click on 'Award By Aid Year'
7. Select Aid Year

Graduate PLUS Loans will remain in an offered status until the application has been received from .

If you have federal aid in an offered status other than PLUS Loans, you must accept both the offer and Terms and Conditions (if applicable) by continuing with the steps listed below:

1. Select the 'Terms and Conditions' tab.  Read all sections carefully and choose to accept or not.  If you do not accept, your federal aid WILL NOT DISBURSE.
2. Click on the 'Accept Award Offer' tab.
3. Federal financial aid funds other than Graduate PLUS Loans must be accepted or declined. You may accept a partial amount by selecting 'Accept' and indicating the amount.
4. Click 'Submit Decision' at the bottom of the page.

After you accept your offer(s), be sure to scroll down the page to see if you have any remaining 'Unsatisfied Disbursement Requirements'.

To see what is incomplete, you will use USA's Personalized Access Web System for students (PAWS):

1. Go to /services/logins/students/
2. Click on 'PAWS' and log in using your JagNet credentials
3. Click on 'Student Services and Financial Aid'
4. Click on 'Financial Aid'
5. Click on 'My Eligibility'
6. Select Aid Year

* If you have not been admitted to USA, click on the JagNet hyperlink listed in the first bullet point. From there, click 'Student Account Activate' and enter the requested information.

Read the directions for each student requirement.  You must complete all of the unsatisfied requirements.

PLEASE NOTE:  It is important to review any active messages listed in your PAWS account.  Active messages can be viewed under 'My Overall Status of Financial Aid' on the Financial Aid menu in PAWS.

Follow these steps to access PAWS:

1. Go to /services/logins/students
2. Click on "PAWS" (log in using your JAG Number and JagNet password)
3. Click on Personal Information
4. Select Update Address(es) and Phone(s) to verify current address or to make changes