Funding Calculation & Disbursement

Loan amounts are calculated using the following formulas (see definitions below):

  • Subsidized loan = (COA) - (EFC) - (EFA)
  • Unsubsidized loan = (COA) - (EFA) - (Subsidized Loan)
  • PLUS loan = (COA) - (Subsidized Loan) - (Unsubsidized Loan) - (EFA)

The Cost of Attendance (COA) includes not only tuition and fees but also living expenses, books, supplies, personal expenses and transportation costs for the eight month period (undergraduate) or twelve month period (graduate) while you are in school.

The Expected Family Contribution (EFC) is based on the student's (and if applicable, the student's family's) income and assets, as was reported on the FAFSA form. The EFC is reported on your Student Aid Report (SAR) and is based on an eight month period of enrollment. For graduate students attending for three semesters, your EFC will be adjusted accordingly.

The Estimated Financial Assistance (EFA) usually takes the form of scholarships, grants, loans, tuition remission or work that is awarded on the basis of postsecondary enrollment.

Direct Loan funds are disbursed in two or three equal instalments at the beginning of each term (Fall, Winter, Inter/Summer Session). Funds will be applied to your student account through electronic transfer. You will receive email notification from Student Awards and Financial Aid with the details of the disbursement. If Direct loan funds remain after tuition and fees are paid, a refund will be released in Canadian dollars by electronic transfer of funds to a Canadian bank account within ten business days.

The U.S. exchange rate for Fall 2022 has been set at 1.20%

The University must obtain consent from the Parent PLUS Loan borrower to release Parent PLUS loan funds to the student. If your parent(s) applied for a Parent PLUS loan on your behalf, please ensure that the Parent PLUS Loan funds Release Form is completed and submitted to the Student Awards and Financial Aid Office prior to the first scheduled loan disbursement. The Parent PLUS Loans funds Release Form will be sent by the Student Awards and Financial Aid office directly to the parent applying for funding.

All Documents Received By: August 1
Status Update Sent to FSA Applicant: August 28
Disbursement Schedule - Fall: September 12
Disbursement Schedule - Winter: January 9
Disbursement Schedule - Summer: May 8



You may reach our office at: (519) 253-3000 Ext. 3300

Service effective March 28, 2022:
Monday, Tuesday & Friday: 1:00 p.m. - 4:00 p.m.
Wednesday & Thursday: 9:00 a.m. - 12:00 p.m.; 2:00 p.m. - 4:00 p.m.

Please direct your initial question to as there may be a knowledge base article that may answer your question.

In order to better assist you, always please include your UWindsor Student Number in your communications.

Students should complete their UWinAward Student Application/Profile via UWinsite Student > Student Homepage > Award Profile to be matched with eligible funding opportunities.

Additional Information for Domestic Students who are experiencing financial hardship.

Additional Information for International Students who are experiencing financial hardship.

Documents may be faxed, sent as an attachment through, placed in our drop-box located in the lobby of CHT or mailed to:

Student Awards & Financial Aid
University of Windsor
401 Sunset Ave. CHT Room 102
Windsor, ON N9B 3P4

Fax: (519) 973-7087

Submit a service request with an attachment:


To visit the Student Awards & Financial Aid Office, the following steps MUST be taken:

Effective May 1, 2022, steps 1), 2) and 5) are optional.  Masks however, must still be worn at all times.

(Optional) 1) Complete the Safe Lancer App to receive your Green Approved Badge.  For additional information on the protocols that are in place to visit the campus in person, click here.  Information on the 'Return to Campus' procedures and 'Vaccination Policy' can be found on the University of Windsor website  If you do not have a Green Badge, you can't visit us in person and you will need to address your issue using one of our remote services available.  

(Optional) 2) Proceed to campus only if you have completed the Safe Lancer App and have an APPROVED badge.  Access to Chrysler Hall Tower is available by entering through the NORTH doors of Chyrsler Hall North, facing the Leddy Library parking lot or, with a student id access card, via the main doors to Chrysler Hall Tower, on Monday - Thursday, between the hours of 9:00 a.m. - 4:00 p.m.

3) Remember, students may drop off documents in our drop-box located in the lobby of Chrylser Hall Tower and do not need to get in the queue to complete this task.

4) Be sure that you have government issued photo ID or your UWIN ID card.  We will not be able to serve you in person if you don't have proper identification.

(Optional) 5) Once you are cleared to visit the campus, scan the QR Code below using a mobile device or click on the QR code. Use our queing system to register and to place yourself in our virtual line in order to visit the office for in-person service related to your government financial aid file, scholarships or bursaries.  We are available for in-person service during the following hours:

SAFA Service Hours

 Monday  1:00PM - 4:00PM
 Tuesday  1:00PM - 4:00PM
 Wednesday   9:00AM - 4:00PM
 Thursday  9:00AM - 4:00PM
 Friday   1:00PM - 4:00PM


To enter our in-person service queue with the Student Awards or the Financial Aid office, please scan this QR Code or click if using a mobile device:

If you feel that you need to talk to someone about your situation, please take the following steps:

1)  Try asking your question using  We have many knowledge base articles that might be able to assit you with you question.

2) Log in to to submit a service request and a Student Awards or Financial Aid Representative will respond to your inquiry as soon as possible.

3) Call our office during our phone service hours.  A Student Award or Financial Aid Representative may be able to resolve your issue over the phone.

4) If options 1) through 3) do not resolve your issue,  we will schedule you a virtual Teams meeting/appointment with a Student Awards or Financial Aid Specialist for a time that is mutually convenient.


UWinAward Profile/Application Support

Here is the schedule for our virtual drop-in sessions available for students who require assistance with their UWinAward Profile/Application for bursary and scholarship applications.

Important Notes:

  • We will attempt to return messages and service requests within 2 business days where possible.  In September, January & May however, our response time may be closer to 7-10 business days.

  • Please do not leave/send multiple messages/emails as this will delay our response time.