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Receiving Your Aid

After you've applied for financial aid, continue to check your Titan student email for your official financial aid award notice, which outlines the terms and conditions of any aid you've received or been offered.

Financial aid awards such as grants and scholarships will automatically post to your account, except for loans and work-study funding, which you must formally accept as explained below.

Check the timeline section of this page for how and when aid is dispersed. Once you have accepted financial aid funding, it is your responsibility to maintain your eligibility for that aid. If you have any questions, please contact the Financial Aid Office.

How We Calculate Awards

We initially calculate financial aid award packages based on full-time status (12 or more credit hours). Some scholarships are calculated based on 18 credit hours. Following each term's initial drop deadline, we recalculate awards based on the actual number of credit hours you're enrolled in.

Important: If you’re enrolled in classes for any part of a term and have a FAFSA on file, your enrollment level for Pell and state grants will be determined on the Pell Recalculation date. Any courses you add after this date will not be eligible to increase you financial aid. If you initially register or if EFSC receives your FAFSA after this date, then we’ll recalculate your Pell Grant as soon as you register for any part of term. To maximize your aid eligibility, you should register for all of your classes in one session, as opposed to over multiple days. If you change your major, do not register for classes until it is reflected in myGPS.

You must register for all parts of term (full-term, session, and minimester courses) at the beginning of the semester and officially drop courses during the add/drop period in order for your financial aid to accurately reflect your course load each term.

If you never attend, stop attending, or totally withdraw from classes, your awards will be subject to a federal repayment formula, and you'll be required to repay some or all of the aid you received.

How To Accept a Loan

If your official financial aid award package includes one or more loans, you must formally accept them as follows:

Accept Your Offer in the myEFSC Portal

 Log in to the myEFSC portal using your Titan Single Sign-On (SSO) credentials:

Once you are logged in to the myEFSC portal:

  • Click the TitanWeb icon.
  • On the updated Student Services landing page, choose Financial Aid then Financial Aid Dashboard. Look at your Aid Offer and scroll down to the loans section to accept your loan or adjust the amount of the loan accepted.
  • The loan offer amount is for the aid year. If you choose to reduce the amount you have been offered, please be sure the amount you request is what you wish to borrow for the entire academic year.
Complete Your Online Entrance Counseling & Sign Promissory Note

If you were offered a Direct Federal Stafford Loan, you must complete online entrance counseling. This is a requirement you must do once, the first time you are offered a loan.

If you were offered a Direct Federal Stafford Loan and are a first-time borrower, you must also sign an electronic Master Promissory Note (MPN).

Be sure to do so in a timely manner, as waiting could result in a delay to your aid disbursement.

Wait for the Loan to Disburse

Once you have accepted your loan, your attendance must be confirmed in at least six credit hours required for your program before it will disburse. If you enroll in classes with different start dates and won't reach six credit hours of attendance until later in the term, please note that your disbursement will be delayed, and plan accordingly.

Loans awarded for two terms will be divided and disbursed equally between the two terms. Loans awarded for one semester only (including summer loans) will be disbursed in two equal installments.

Once you have received any type of financial aid (including loans), it is your responsibility to maintain them.

How To Accept Work-Study Funding and Find a Job

Your financial aid package may include an offer of work-study funding, the federal program that involves you being paid for a part-time job. EFSC aid packages now include a notice about eligibility for work-study, which you need to accept through the aid section of Titan Web once logged in to myEFSC.

Once you've done that, you must apply for an EFSC work-study eligible job using our online system following the information on the program details page. Remember, if you're eligible to receive work-study funding, you'll need to locate and interview for specific positions you're interested in so you can earn that portion of your aid package.

Find a Work-Study Position

When Will I Receive My Financial Aid?

The Financial Aid Office disburses award funds on different dates throughout each semester based on the part of term your classes fall in and whether or not you're a first-time borrower.

AID Disbursements

Most borrowers receive their disbursements on a general disbursement date, but in order to comply with federal regulations, first-time borrowers will receive their disbursements 30 days after classes begin.

When EFSC financial aid funds are dispersed, we automatically apply those funds to your tuition and book voucher charges.


If your final financial aid award exceeds your tuition and book voucher charges, then you'll be eligible to receive a refund to use for living and other educational expenses.

EFSC disburses these funds on designated refund dates each term via a third-party processor called BankMobile Disbursements, a technology solution powered by BMTX, Inc.

You will receive a personal code from BankMobile via snail mail or email that you can input to set up your direct deposit and receive your refund.

Upcoming Disbursements and Refunds