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Apply for Financial Aid

File the FAFSA or ORSAA

To be eligible for most types of financial aid, students must complete the Free Application for Federal Student Aid (FAFSA®) or the Oregon Student Aid Application (ORSAA).

Students should complete the FAFSA or ORSAA as soon as possible to ensure maximum opportunity to access the best financial aid offer.

Federal School Code for UCC is 003222

Free Application for Federal Student Aid (FAFSA)
The FAFSA is the application used for all Federal financial aid opportunities, including the Federal Pell Grant, Federal Supplemental Educational Opportunity Grant, Federal Direct Loans, and the Federal Work-Study Program. The state of Oregon also uses the FAFSA to determine eligibility for state aid. Students should complete the FAFSA as soon as possible to ensure maximum opportunity to access the best financial aid. Complete the FAFSA each aid year.

Oregon Student Aid Application (ORSAA)
The ORSAA is an alternative to the FAFSA for Oregon residents who have undocumented status, Deferred Action for Childhood Arrivals (DACA) status, Temporary Protected Status (TPS), or a valid U-visa should submit the ORSAA. Students not eligible to complete the FAFSA may apply for the ORSAA. Do not complete the ORSAA if you are a U.S. Citizen, a legal non-citizen with an Alien Registration number, or an international student who is in the United States with a valid visa. A completed ORSAA is used to determine eligibility for state of Oregon aid, such as the Oregon Opportunity Grant and the Oregon Promise Grant.

Not sure which application to complete?
Use the pre-filter tool to help you decide.

You can also use the Federal Student Aid Estimator which provides an estimate of how much federal student aid a student may be eligible to receive.

Preparing to Apply

Preparation is the key to filing the FAFSA. You will need to gather some information to create your FSA ID before you can file the FAFSA.

  • Your Social Security Number and your parent’s SSN if you are under 24 years of age
  • Your Alien Registration Number if you are not a US citizen
  • Your Federal Income Tax Return (1040) from two years ago
  • If you are under the age of 24 years old, you will need to gather your parent’s tax information as well
  • You will also need UCC’s School Code: 003222

Federal Student Aid (FSA) ID

When applying for federal aid online, you (and your parent if you are a dependent applicant) must have an FSA ID. The FSA ID serves as an electronic signature for students and their contributors (parents). Since signatures are required on the FAFSA application, creating and using the FSA ID helps speed up the application process. The FSA ID also serves as an identifier to allow students access to personal information in US Department of Education systems. To access the Federal Student Aid ID site registration, please visit the Federal Student Aid website.

Dates and Deadlines

The FAFSA (Free Application for Federal Student Aid) is available beginning December 1 for the 2025-26 aid year. You should submit your FAFSA as early as possible because early applicants are given first consideration for some federal and state grants, and work-study. Students may apply for the FAFSA to receive aid throughout the academic year.

Dependent or Independent Applicants

Often, students under the age of 24 believe that they should be considered an independent student for the purposes of financial aid. According to the Department of Education, there are only a limited number of ways that a student can be declared an independent, and all of them require additional documentation:

  • Married before you filed the FAFSA.
  • You have your own children or another dependent that you provide more than 50% of their support.
  • At any time since you turned age 13, were both your parents deceased, were you in foster care or were you a dependent or ward of the court.
  • Under legal guardianship as determined by a court in your state of legal residence.
  • An emancipated minor before the age of 18.
  • Military veteran or currently serving on active duty.
  • A homeless youth.
  • Please contact the financial aid office for assistance if accessing your parents’ information is a direct and serious threat to your safety or if you have other extenuating circumstances and are unable to get your parents’ information.

If your parent(s) refuse to fill out the FAFSA form, explain that explain that you will not be eligible for any need-based aid on your own. Assure them that providing parental information does not make them responsible for any loans you may borrow. If your parent(s) still refuses to provide FAFSA information, you may be eligible to receive a Federal Direct Unsubsidized Loan if certain criteria are met.

What will financial aid cover?

Financial Aid determines your budget based on the information you provided on the FAFSA. Your financial aid budget is based on the cost of attendance at Umpqua and any associated living expenses like rent and food. After your tuition and fees are paid, you may have financial aid money left over. This money can be used to pay your bills and cover your living expenses.

See an example of a four-term student budget for the 2025-26 aid year.