Accepting Your Aid

Your EMU Award Letter

Your yearly financial aid award letter lets you know your financial aid eligibility. You'll get one every year you apply for aid. Carefully read it so you know what kind of aid and how much you've been offered.

New Students

Financial aid is awarded to new, first-year students for the upcoming school year in mid-January. New transfer students are awarded financial aid starting in mid-May. New students are sent one paper award letter to their permanent address.

Continuing/Returning Students

Financial aid is awarded to continuing/returning students for the upcoming school year in early May (after Winter grades have posted). Continuing/returning students are sent an award letter to their my.emich email account.

About Your Award Letter

  • Awards are based on assumed enrollment: undergraduate (13 credits per semester) and graduate (six credits per semester).
  • Any changes to your financial aid award after the letter is sent will generate an email. You can then view the changes on your my.emich account.
  • Awards are based on Fall and Winter enrollment. If you'd like to apply for summer financial aid, check out the summer financial aid page.

Determining Aid Eligibility

Expected Family Contribution

The Expected Family Contribution (EFC) is a measure of your family's financial strength and resources that should be available to help pay for your education. The EFC is calculated from the information you report on the FAFSA and according to a formula established by law. Your family's income (taxable and untaxed) and assets are considered in determining your EFC. Your family size and the number of family members who will be attending a college or career school are also considered. Your EFC will appear on the Student Aid Report (SAR) you receive after you file your FAFSA.

Cost of Attendance (COA)

The Cost of Attendance (COA) represents the estimated tuition and living costs for the average undergraduate or graduate student for the academic year.

Financial Need

Some financial aid programs require financial need. To determine your financial need for federal student aid programs, your school subtracts the Expected Family Contribution (EFC) from Cost of Attendance (COA). The difference is "need" for financial assistance (COA - EFC = need). If your EFC is less than the COA, you may be offered need-based financial aid. If your EFC is greater than the COA, you may be offered aid that is considered non-need-based. The combination of all scholarships, grants, loans and work-study awards cannot exceed your COA.

How do I accept my aid?

Go to, login and follow these steps:

  • Click on the Student tab
  • Select each of the following links:
      1. Financial Aid
      2. Award
      3. Award for Aid Year
      4. Select Aid Year and click "Submit"
      5. Click on the tab “Accept Award Offer”
      6. Accept/decline or adjust desired aid

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