Summer Financial Aid
If you plan to enroll in the summer session, limited funding may be available through the Financial Aid Office and some academic departments. Contact your department directly for more information about any financing they may offer.
Loan and Grant Requirements
To qualify for most loans or grants, you must:
- Meet all general financial aid eligibility requirements.
- Be enrolled in classes at least half-time (6 units).
- Meet the following deadlines:
- Apply at least four (4) weeks before the start of your first summer class.
- Allow up to three (3) weeks to process a Summer Loan Request Form or Summer Pell Grant Application.
Federal Work-Study Requirements
Federal Work-Study does not require you to be enrolled in classes. To apply, submit the Summer Work-Study application by March 31.
Be sure to apply as soon as possible so that we can determine your eligibility for loans before the end of the summer session Drop/Add period.
The following loan programs may be available to eligible students who enroll in the USC summer session at least half-time (6 units) and follow the application instructions below.
Please be aware that your loan could be canceled if it is based on plans to enroll in two (2) summer sessions and you do not complete both sessions or if your total enrollment drops to less than half time for the entire summer.
Federal Direct Subsidized and/or Unsubsidized Loans
Submit your completed Summer Loan Request Form to the Financial Aid Office online.
Please Note: Direct Loans are available on a limited basis for summer study. You may have some limited eligibility for loans if you:
- Have not already borrowed your full 2023-24 academic year loan eligibility.
- Will graduate at the end of summer 2023 or fall 2023 semesters.
- Will advance from freshman to sophomore status at the end of the spring 2024 semester.
- Will advance from sophomore to junior status at the end of the spring 2024 semester.
Federal Direct Parent PLUS Loan
- This loan is for parents of undergraduate students.
- Submit a completed online Summer Loan Request Form to the Financial Aid Office and apply for a Parent PLUS loan at studentaid.gov.
Available for all students.
- Complete the online Summer Loan Request Form.
- Contact your lender directly to apply for the loan.
Before applying for private loans, students should exhaust all Federal Title IV assistance available, including Federal Pell Grants, the Direct Loan and the Direct Parent PLUS Loan. The repayment terms of federal loan programs may be more favorable than those for private loans.
Private student loans cannot be included in Federal Direct Consolidation Loans, are not eligible for federal Income-Based Repayment plans and are not eligible for Federal Economic Hardship Deferments.
Visit Private Financing for more information.
Summer Federal Work-Study
Continuing students can earn up to $3,500 through summer Federal Work-Study. You are not required to be enrolled in summer classes to qualify. Funds are awarded to students with the greatest financial need who:
- Intend to enroll at least half-time at USC for the fall 2023 semester.
- Meet all general eligibility requirements for financial aid, including Satisfactory Academic Progress.
- Demonstrate financial need for both the 2023-2024 and 2024-2025 academic years.
- Applied on time for 2023-2024 financial aid.
- Submit a Summer Federal Work-Study Application by March 31. You will be required to log in with your USC NetID.
Potential Effect on Your Future Financial Aid Eligibility
The federal government requires that summer Federal Work-Study earnings—minus any employment-related expenses—be considered when determining your financial aid eligibility for the following academic year. As a result, your eligibility for other financial aid programs may be reduced.
Summer Cal Grant
Cal Grant recipients can request that a portion of their funds be used for the summer session. To be considered, you must:
- Be an undergraduate student who has not completed a first bachelor’s degree.
- Be enrolled at USC at least half time for the summer term and be eligible for
the Cal Grant, as determined by USC.
- File a 2023-2024 FAFSA before June 30, 2024, including USC’s Federal School Code (001328), if you have not already done so.
- File a 2024–2025 FAFSA before June 30, 2024, including USC’s Federal School Code (001328), if you have not already done so.
- Complete a Summer Federal Cal Grant Application and submit it to the Financial Aid Office.
Instructions for submitting your documents can be found in our Help & Contact page.
Please note: When calculating your overall Cal Grant eligibility, the California Student Aid Commission (CSAC) considers the summer session a full semester of eligibility. This means your eligibility for the regular academic year will be reduced by an equivalent amount, so it is in your best interest to maximize your summer session unit count. Twelve (12) units are required for the full-time grant, six (6) for the half-time grant.
Summer Pell Grant
Applicants for a summer session Federal Pell Grant must:
- Be undergraduate students who have not earned a first bachelor’s degree before the start of the summer session.
- Have used their full-time annual award amount for the fall 2023 and spring 2024 semesters. Students who did not use the full amount must exhaust their remaining annual limit before becoming eligible for the additional Summer Pell Grant. *
- Have remaining Pell Grant Lifetime Eligibility (details below).
- Meet satisfactory academic progress (SAP) requirements.
If you are eligible for Summer Pell Grant funding, your eligibility will be automatically included on your financial aid summary when you enroll in summer courses.
If you wish to have your Summer Pell Grant added to your financial aid summary before you enroll in classes, please complete a Summer Pell Grant Form and list the courses that you are planning to take. Please upload your application form through the Document Library section of FAST as an “Unknown or Unlisted” type of “Financial Aid Document”.
Students who do not enroll in summer courses will not use their summer Pell Grant eligibility.
*Pell Grant Lifetime Eligibility Used (LEU): Federal regulations allow students to receive a maximum of 12 full-time equivalent semesters of Pell Grant funding while they are completing their first undergraduate baccalaureate degree. Using a Pell Grant during summer counts against your lifetime eligibility. To find out how much Pell Grant funding you have already received, and how much of your lifetime eligibility remains, please visit studentaid.gov and log in with your FSA ID.
For more information about how the lifetime eligibility limit is calculated, please visit the Department of Education’s website.
Declining Your Pell Grant Award
Although we are required to award you a Pell Grant for summer enrollment, you have the right to decline it to preserve your Lifetime Pell Grant Eligibility for a future semester.
To decline Pell Grant funds, please submit a Summer Pell Grant Form and check the box indicating that you do not wish to use your Summer Pell Grant. Please upload your application form through the Document Library section of FAST as an “Unknown or Unlisted” type of “Financial Aid Document”.
Receiving Your Funds
Be sure to follow all instructions provided with your financial aid summary.
Summer financial aid will be posted to your student account no sooner than one week before your first summer class. Loans will be disbursed after you start classes.
Satisfactory Academic Progress (SAP) Requirement:
Financial aid may not be disbursed to a student’s account until the Office of Academic Records and Registrar has officially posted the prior semester’s grades and the Financial Aid Office has evaluated your academic progress.
Therefore, the disbursement of financial aid funds may be delayed for otherwise eligible students if grades are not made official before the beginning of the subsequent semester. No exceptions can be made to this process.
IMPORTANT: Tuition and fees for summer classes are assessed at the time of registration and due when billed, regardless of class start dates. To avoid late fees, you may be required to pay any outstanding balance on your student account before your financial aid funds can be posted.
Please visit the Student Financial Services website for more information about settling your student account.