Whether you need to pick up extra credits to graduate on time, or want to retake a class to improve your grades, you might not be sure about how Financial Aid works outside of the fall and spring semesters, but most of the same funding sources are available in the summer too!

Financial aid.

If you already have a FAFSA on file for the previous fall/spring academic year, you won’t need to file a new one for summer. Your eligibility will be based on how many credit hours you’re taking and whether you’ve already reached your annual cap. You will need to be registered at least half-time (which is usually six credits) in order to qualify for federal loans. In addition, if you used up everything you were offered for the spring and fall semesters, there may not be any remaining federal student loan funds to cover summer session. The National Student Loan Data System is a great way to check how much federal aid you’ve used up in any given year and if you have anything remaining.


Some scholarships are offered year-round and don’t impose limits on which semesters they can apply to. Whether you’ve been awarded scholarship money in the past or you’re applying for the first time, it is definitely worth a shot to apply for a scholarship if you are thinking about a summer session. There are a lot of terrific online tools out there that can help you search thousands of scholarships at one time. Here are some resources to help you find a scholarship.