Summer Aid Information
Students attending one or both summer sessions may be eligible to receive financial aid to assist with costs.
Although the FAFSA can count towards summer classes and completing it can help you become eligible for financial aid, you should be aware that there are limits to the amount of federal student aid you can take out during each year. And these limits apply to summer courses as well.
Our advisors are here to speak with you should you have questions about your eligibility for summer aid or financial decision-making.
Types of Available Summer Aid and How to Apply
Beginning with the 2024-25 award year, a student’s Scheduled Award or the maximum amount they can receive during the award year, if they attend full-time for a full academic year, will be one of the following:
- An automatic Maximum Pell Grant
- SAI-calculated Pell Grant
- A Minimum Pell Grant
The Federal Pell Grant is available to undergraduate students who have not earned a bachelor’s degree or its equivalent and who demonstrate financial need. The Higher Education Act (HEA) limits the lifetime eligibility to receive a Federal Pell Grant to 12 full-time semesters or the equivalent of 600 percent. This information is available on your SAR.
Year-Round Pell allows a student to receive up to 150% of their Pell grant if they meet registration and other eligibility criteria. Due to Year-Round Pell, you may be eligible to receive a Pell grant during the summer. Any percentage given over the summer will count towards the lifetime eligibility.
In general, for the Federal Pell Grant, the summer session follows the fall and spring semesters.
Example: Fall 2023, Spring 2024, Summer 2024. If you received 100% of your 2023-2024 Pell eligibility (full time Pell awarded in both fall 2023 and spring 2024), you must be registered for at least 6 credits to receive Pell for summer 2024. If you will be receiving your Bachelor’s degree during the 2024-2025 academic year (August 2024, December 2024, May 2025 or August 2025), your Pell may be awarded off the undergraduate 2024-2025 FAFSA.
If you are eligible for Pell grant funds as an undergraduate student for the summer sessions, the amount will either consist of remaining eligibility from the current year or an advance of your eligibility for the upcoming academic year. If selected for federal verification, all verification requirements must be met before applying for summer aid.
Application process: Complete the 2024-2025 FAFSA (in some cases the 2023-2024 FAFSA), respond to any requests for additional information/action and meet all eligibility requirements. Complete and submit the Summer 2024 Federal Pell Request Form to the One-Stop Student Services Center prior to the last day of summer classes.
According to the Higher Education Services Corporation (HESC), Summer TAP is called Accelerated Study and is available for those registered for at least 6 credits during the summer semester.
Summer TAP does use TAP points which can potentially affect your future eligibility. You must have earned at least 24 credits total in the past two semesters (fall and spring) and you must have been full time (12+ credits) in the spring 23 semester and all 24 credits must have been earned here at Adelphi to be considered.
If you are a full time (12+ credits) student for summer, the funds will be disbursed to your account once certified, usually in two separate transactions. Example: Summer TAP award is $500.00. $250.00 will be disbursed to your account first, then the additional $250.00 will be disbursed within a week or so to total the $500.00 award.
Please note: If you are a part time (less than 12 credits) student for the summer, those funds according to NYS will not be credited to your account until approximately 14 months later (usually October of the following year).
Application Process: If you are interested in applying for Summer TAP, you must complete the 2024-2025 TAP application at hesc.ny.gov. Be sure to indicate our college code (0010) under the Summer term within the application.
- Federal Direct Loans (Subsidized and/or Unsubsidized for Undergraduate and Graduate Students)
Undergraduate and Graduate students who are registered at least half-time (6 or more credits) during the summer semester and meet all of the federal eligibility requirements may be eligible to borrow a Federal Direct loan (Subsidized and/or Unsubsidized).
Borrowing a Summer Federal Direct Loan will affect your Fall and/or Spring loan eligibility in the following manner:
Students can only receive their maximum Federal Direct Loan (Subsidized and/or Unsubsidized) amount for a “scheduled academic year” including Summer, Fall and Spring sessions. Any amount borrowed by the student for the Summer term will be deducted from the student’s maximum eligibility for the following Fall and Spring semesters.
Example:
Student A is eligible for a combined annual total of $5,500 from the Federal Direct Loan Program. The scheduled disbursement for this loan would be $2,750 in the fall and $2,750 in the spring.
Student A enrolls for 6 credits in the summer, and applies/accepts a $3,500 Federal Direct Loan.
Loan eligibility would change from:
| Fall Loan | Spring Loan |
| $2,750 | $2,750 |
To:
| Summer Loan | Fall Loan | Spring Loan |
| $3,500 | $1,000 | $1,000 |
Therefore, Adelphi University recommends that you only borrow a Summer Federal Direct Loan if you are:
- a graduate student
- an undergraduate student who has filed for Summer or Fall Graduation
Application Process: Complete the 2024-2025 FAFSA, respond to any requests for additional information/action and meet all eligibility requirements. Contact the One-Stop Student Services Center to obtain the Summer Federal Direct Loan Application (2024).
Please note: In order for your application to be reviewed and your eligibility determined, your application must be received no later than July 15, 2024. Submitting a Federal Direct Summer Loan Application does not guarantee loan certification and disbursement.
If you have not already done so please complete your Master Promissory Note (MPN) & Entrance Counseling at studentaid.gov.
Please be sure to take the loan origination fee (1.057% Federal Direct Subsidized and Unsubsidized Loans*) into consideration when requesting your Summer 2023 loan amount.
Subsequent changes to your financial aid awards for the Summer 2024 semester can result in changes to your Federal Direct loan amounts.
Students will receive a Summer College Financing Plan to confirm certification of any Summer Federal Direct Loan requested. Students will receive an email notification of the Federal Direct Loan disbursement/s.
*Loan Origination fees subject to change.
- Federal Direct Graduate PLUS Loan
Graduate students who wish to borrow a Federal Direct Graduate PLUS loan for the summer, must file the 2024-2025 FAFSA and meet all federal eligibility criteria. Credit worthiness is a factor in obtaining this type of loan. Applicants may borrow up to the cost of attendance less other financial aid, including awarded direct loan amounts.
Application Process: Complete the 2024-2025 FAFSA, respond to any requests for additional information/action and meet all eligibility requirements. The Federal Graduate PLUS loan application for the summer is available at studentaid.gov as of May 16, 2024. Upon applying, students can indicate the specific loan period (5/24-8/24). All applicants must complete a graduate PLUS master promissory note (MPN), as well as graduate PLUS entrance counseling using their Federal Student Aid ID (FSA ID) at studentaid.gov.
Please be sure to take the loan origination fee (4.228% Federal Direct PLUS*) into consideration when requesting your Summer 2024 loan amount.
*Loan Origination fees subject to change.
- Federal Direct Parent Loan for Undergraduate Students (PLUS) (Parents of Undergraduate Students)
Your parents may apply to borrow a Federal Direct PLUS Loan to cover your summer charges if you are an eligible dependent undergraduate student, have completed a 2024-2025 FAFSA, plan to enroll at least half-time, and your parents meet the credit requirements.
Application Process: Complete the 2024-2025 FAFSA, respond to any requests for additional information/action and meet all eligibility requirements. New and existing Parent PLUS loan borrowers must complete a Parent PLUS loan application (available for summer as of May 16, 2024) on studentaid.gov and select loan period 5/24 – 8/24. After your parent submits all required application materials and upon notification of credit approval and the completion of a promissory note, we will add the loan to your summer Financial Aid award.
Please be sure to take the loan origination fee (4.228% Federal Direct PLUS*) into consideration when requesting your Summer 2024 loan amount.
*Loan Origination fees subject to change.
If you are interested in borrowing from a Private loan program, you may review lending options on ELMSelect.
You are encouraged to review each lender’s information to determine which benefits and terms are best for you now and in the future. You are not required to borrow from any specific lender and there is no penalty for choosing one lender over another. Any lender not represented on the comparison tool can still be considered and certified by Adelphi University.
Please be aware that in many instances the terms and conditions of loans made through the Federal Direct Loan programs may be more favorable than those of private loans. You are strongly advised to carefully compare the differences between private and federal loans as well as all repayment obligations.
The information contained on this site is subject to change without notice.
