Financial Aid

Westcliff University understands that every student is unique, and as a result, every student’s financial aid package can be just as unique as the applicant.  Listed below are funding options currently available through the Title IV, Federal Student Aid programs. Not all financial aid packages are the same and financial aid is available to those who qualify. Student will need to complete and submit a FAFSA for Westcliff University to determine the financial aid package they are eligible for.





The Federal Pell Grant program provides a foundation of assistance to which other forms of aid may be added. Eligibility of the Federal Pell Grant program is determined by a standard formula that is revised and approved every year by the federal government.  Unlike loans, grants do not have to be paid back. Congress sets the amount of Federal Pell Grants each year and is available for all eligible students. Students who transfer to Westcliff University during the academic year will have their eligibility determined on an individual basis. Students may not receive Federal Pell Grant funds from more than one school at a time

Pell Lifetime Eligibility Limit: Effective beginning with the 2012-2013 award year, the duration of a student’s eligibility to receive a Federal Pell Grant is 600% (6 full academic years). The calculation of the duration of a student’s eligibility will include all years of the student’s receipt of Federal Pell Grant funding. Once a student exhausted the full 600%, the student will no longer qualify for future eligibility in the Pell Grant program.

The maximum amount students are eligible for the 2016-2017 award year is $5,815.  The maximum amount students are eligible for the 2017-2018 award year is $5,920.



Federal Direct Loan Programs are administered by the Department of Education for qualified students. The Federal Direct Subsidized Stafford, Federal Direct Unsubsidized Stafford, and Federal Direct PLUS loans are available through this program.


Federal Direct Subsidized Stafford Loan

Federal Direct Subsidized Stafford Loans are available to students with financial need.  Students may borrow up to $3,500 for their first academic year at a fixed interest rate of 3.76%, which is established annually by the Department of Education. The interest is paid by the federal government while students are in college and six months after students cease their enrollment.  Regular payments begin six months after students cease enrollment or fail to carry at least half the normal full time college workload.

Time Limitation on Direct Subsidized Loan Eligibility for First-Time Borrowers on or after July 1, 2013. There is a limit on the maximum period of time (measured in academic years) that a student can receive Direct Subsidized Loans. In general, a student may not receive Direct Subsidized Loans for more than 150% of the published length of the program. This is called “maximum eligibility period”.  The published length of any program of study is found in the Westcliff University Student catalog.

Maximum eligibility period is based on the published length of the current program a student is enrolled for.  As a result, a change in program may affect maximum eligibility. If Direct Subsidized Loans were received for one program and then a program change occurs, the Direct Subsidized Loans received for the earlier program will generally count against the new maximum eligibility period.


Federal Direct Unsubsidized Stafford Loan

Unsubsidized Stafford Loan programs are available for students to borrow for additional education costs.  Students can borrow up to $6,000 for their first academic year as a combined total with the Federal Direct Subsidized Stafford Loan, at a fixed interest rate of 3.76%.  With the exception of demonstrating financial need, borrowers must meet all eligibility criteria of the regular Direct Federal Stafford Loan program.  Interest payments begin immediately after the loan is fully disbursed or may be added to the principal balance.  Regular payments begin six months after students cease enrollment or fail to carry at least half the normal, full-time school workload.


Federal Direct PLUS Loans (Graduate or PLUS)

Federal Direct Parent Loans for Undergraduate Students (PLUS) and graduate PLUS loans provide additional funds for creditworthy parents and graduate degree students to help pay for educational expenses.  The interest rate for these loans is 6.31% and the repayment schedule differs.



(Pending Department of Education approval for the 2017-2018 award year)

The Federal Work Study Program is a financial aid program funded by the Federal Government and is intended to provide part-time employment opportunities for eligible students who need additional financial resources to pursue a college education.



(Pending Department of Education approval for the 2017-2018 award year)

The Supplemental Educational Opportunity Grant (SEOG) is one of the Campus Based Programs.  Westcliff University determines which students receive this grant based on students with the lowest Expected Family Contribution (EFC), starting with students with a “$0” EFC.

The maximum award for a full academic year in the SEOG program is $4000. The minimum amount is $100.  The amount of awards that Westcliff University may give depends in large part on the amount of money we receive from the Federal Government for this program.

For the 2017-2018 Award Year, Westcliff University has determined that it will award each student in the amount of $100 per Academic Year. The SEOG award is given in two disbursements per Academic Year, and Westcliff University is required to provide a 25% non-federal share as a method to match each SEOG award.




Prior to applying for FAFSA, you should obtain an FSA ID online at or This username and password serves as your electronic signature and may be used to file your Free Application for Federal Student Aid (FAFSA), make corrections to your Student Aid Report (SAR), and monitor federal loans that you receive. If you are a dependent student, a parent should also request an FSA ID which can be used as their electronic signature on the FAFSA.



Complete the FAFSA by going to Make certain to indicate our school code of 042496 on the FAFSA.  If you have already completed a FAFSA, retrieve it and add our school code. Monitor your email for important notifications concerning your Student Aid Report.



Wait for a Financial Aid Officer to contact you to review your eligibility and begin the financial aid process.  You may also contact the financial aid office by emailing or by calling 949-825-5999.



The following programs are eligible for funding through Federal Student Aid:

Bachelors in Business Administration (BBA)

Masters in Business Administration (MBA)

Masters in Teaching English to Speakers of Other Languages (MA TESOL)



Helpful Links

Create an FSA ID

Complete a Free Application for Federal Student Aid

Complete online student loan entrance counseling

Complete online student loan exit counseling

Department of Education’s Federal Student Aid website

Find grant assistance in your state 

View your student loan and grant history on the National Student Loan Data System (NSLDS)


Helpful Videos

How to Fill Out the FAFSA – Click Here

Overview of the Financial Aid Process – Click Here

Types of Federal Student Aid – Click Here

Myths About Federal Student Financial Aid – Click Here

How to Manage Your Student Loans – Click Here