Financial Aid LMU.edu
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Types of Available Aid

LMU is committed to providing students access to quality student loans and participates in the Federal Direct Student Loan Program provided by the U.S. Department of Education. Various loans are available to qualified graduate, professional, and law students.

Because loans must be repaid, it is important that students understand the terms and conditions associated with each loan program before deciding to borrow. Federal loans require students to complete Entrance Loan Counseling and a Master Promissory Note (MPN) before receiving loan funds.

Remember to only borrow what you need and carefully review all documents you receive from your lender, especially the disclosure statement you will receive after your loans are disbursed.

  • The Federal Direct Unsubsidized Loan is a non-need, fixed-rate loan available to degree-seeking graduate, professional, or eligible non-degree credential students enrolled at half-time in degree-applicable courses. 

    Eligibility 

    • Be enrolled in a degree-seeking program or eligible non-degree Credential program
    • Be enrolled half-time 
    • Meet the minimum requirements for Satisfactory Academic Progress
    • Not be in default on previous federal direct loans

    Below are the minimum number of units you must enroll in to qualify for Federal loan disbursement.

     Program

    1/2 TIME
    Graduate Degree  3
    Doctoral (not in dissertation) 3
    Doctoral (in dissertation) 2
    Non-Degree Credentials  6
    Postbac Premedical Program 6
    Non-degree  not eligible 

    How to Apply

    You will automatically be considered for Direct Subsidized and Unsubsidized Loans if you submit the Free Application for Federal Student Aid (FAFSA).

    First-time borrowers must also complete Entrance Counseling and a Master Promissory Note at studentaid.gov. In most cases, you will only need to complete these items once during your college career.

    Annual Federal Direct Loan Limits

    Based on the academic level and federal dependency status, students may borrow up to the amounts listed in the table below on an annual basis. 

    Non-Degree Credential and Post-Baccalaureate Pre-Medical students may be eligible to receive a Direct Subsidized loan based on dependency. 

    program of study Federal Direct Loans
    Non-Degree Credential & Postbac Pre-medical up to $12,500 (subsidized/unsubsidized) 
    Graduate Degree $20,500 (unsubsidized)
    Doctoral  $20,500 (unsubsidized)
    Law  $20,500 (unsubsidized)

       

    Aggregate Federal Direct Loan Limits

    Based on the academic level and federal dependency status, students may borrow up to the amounts listed in the table below for their entire academic careers.

    dependency and program of study Direct subsidized Maximum direct subsidized and unsubsidized
    Postbac and Non-Degree Credential $23,000 $31,000
    Postbac and Non-Degree Credential $23,000 $57,500
    Graduate students $0 $138,500
    Law students $0 $138,500


    Interest Rates and Loan Fees

    The Bipartisan Student Loan Certainty Act of 2013 sets the annual interest rate on Direct Unsubsidized Loans issued to graduate or professional students at the rate on high-yield 10-year Treasury notes plus 3.6%, but caps that rate at 9.5%. As a result, rates are expected to change annually. Students who borrow the Direct Unsubsidized Loan over multiple years will have a set of fixed-rate loans, each with a different interest rate.

    • The interest rate is fixed at 8.08% for the 2024-2025 academic year and for loans disbursed after July 1, 2024, but before July 1, 2025.
    • The origination fee is 1.057% (deducted from loan proceeds) for loans disbursed on October 1, 2020, but before October 1, 2025.
    • Origination fees change annually based on the U.S. 10-year Treasury bill.
    • Students accrue interest while in school but are not required to make payments until six months after graduating or dropping below half-time status.

    Next Steps After Accepting Loans

    After accepting your Federal Direct Loan(s) in PROWL, you must complete the following requirements. 

    • Entrance Counseling-For first-time borrowers only
    • Master Promissory Note-Master Promissory Note (MPN) for Graduate/Professional Students (Please note that if you accept the Federal Direct Unsubsidized and Graduate PLUS Loan, you are required to complete an MPN for each loan) 

    Receiving your Loan Funds

    When all loan requirements are complete, funds arrive via Electronic Fund Transfer (EFT) and are applied directly to your LMU student account in two even disbursements: the first in the fall semester and the second in the spring semester. 

    Financial Aid regularly reports information about your loan to nationwide consumer reporting agencies (credit bureaus) and the National Student Loan Data System (NSLDS). This information will include your loan's disbursement dates, amount, and repayment status. 

    Repayment

    The 10-year repayment period begins six months after you graduate, withdraw, or drop below half-time enrollment. To reduce the cost of borrowing, consider making interest-only payments while in school. There is no penalty for early repayment.

    Several options are available for repayment of your student loan, allowing you to choose the one that best meets your financial needs. You are allowed to change repayment plans at least once a year. More information can be found on the Federal Student Aid website.

    To compare plans you may be eligible for and view estimates for how much you would pay monthly or over the life of the loan, please visit the Federal Student Loans website.

  • The Federal Direct Graduate PLUS loan is a credit-based loan that graduate students may borrow to help pay their educational expenses. Students may borrow up to the cost of attendance (COA) minus any other financial aid received. 

    Some benefits of the Federal Direct Graduate PLUS loan are a fixed interest rate and flexible repayment options. Loan payments can be deferred while in school enrolled at least half-time. 

    The interest rate is established annually and determined by federal law. Interest begins to accrue when the loan funds are sent to the university and continues until the loan is paid in full. An origination fee is deducted before the loan proceeds are received.

    Eligibility

    • Be enrolled in a degree-seeking program or eligible non-degree Credential program
    • Be enrolled half-time 
    • Meet the minimum requirements for Satisfactory Academic Progress
    • Not be in default on previous federal direct loans

    Below are the minimum number of units you must enroll in to qualify for the Federal Direct Graduate PLUS loan.

     Program

    1/2 TIME
    Graduate 3
    Doctoral (not in dissertation) 3
    Doctoral (in dissertation) 2
    Postbac  not eligible
    Non-degree  not eligible 

    How to Apply

    Upon approval for Graduate PLUS Loan, Financial Aid will send an award letter to your LION email account outlining your loan amount and disbursement schedule. Students are required to accept or decline their loans via MYLMU PROWL. 

    Credit Criteria

    You cannot have an adverse credit history to qualify for a Federal Direct Graduate PLUS loan. Credit history is a summary of your financial strength, including your history of paying bills and your ability to repay future loans. Your credit history may be considered adverse if you are experiencing any of the following credit conditions:

      • Bankruptcy discharge within the past five years.
      • Voluntary surrender of personal property to avoid repossession within the last five years.
      • Repossession of collateral within the last five years.
      • Foreclosure proceedings started.
      • Foreclosure within the last five years.
      • Conveying your real property that is subject to a mortgage (by deed) to your lender to avoid foreclosure (deed instead of foreclosure).
      • Accounts currently 90 days or more delinquent.
      • Unpaid collection accounts.
      • Charge-offs/write-offs of federal student loans.
      • Wage garnishment within the last five years.
      • Defaulting on a loan, even if the claim has been paid.
      • Lease or contract terminated by default.
      • County/state/federal tax lien within the past five years.
    • To review your credit history, we strongly recommend that you obtain credit reports by contacting:

    The Fair Credit Reporting Act (FCRA) requires each of these agencies to provide you with a free copy of your credit report once every twelve (12) months upon request. Please visit annualcreditreport.com or the Federal Trade Commission—Consumer Information for further guidance.

    Borrowing Limits, Interest Rate, and Loan Fees

    The annual limit on a Federal Direct Graduate PLUS Loan is equal to your Estimated Cost of Attendance minus any other financial aid you receive. For example, if your cost of attendance is $10,000, and you receive $6,000 in other financial aid, you can borrow up to $4,000.

    • The annual maximum is the COA minus any other financial aid received.
    • The interest rate is fixed at 9.08% for the 2024-2025 academic year and for loans disbursed after July 1, 2024, but before July 1, 2025.
    • The origination fee is 4.228% (deducted from loan proceeds) for loans disbursed October 1, 2020, but before October 1, 2025.
    • Origination fees change annually based on the U.S. 10-year Treasury bill.
    • Students accrue interest while in school but are not required to make payments until six months after graduating or dropping below half-time status.

    Receiving Your Loan Funds

    When all loan requirements are complete, funds arrive via Electronic Fund Transfer (EFT) and are applied directly to your LMU student account in two even disbursements: the first in the fall semester and the second in the spring semester.  

    Financial Aid regularly reports information about your loan to nationwide consumer reporting agencies (credit bureaus) and the National Student Loan Data System (NSLDS). This information will include your loan's disbursement dates, amount, and repayment status.

    Federal Direct Graduate PLUS Loan Repayment

    Repayment can be managed on your loan servicer's website, which will be assigned to you by the U.S. Department of Education. While the interest rate on the loan is fixed, interest starts accruing when the loan is disbursed. Payments can be deferred until after graduation while you are enrolled at least half-time. Accrued interest can be paid quarterly while you are in school or capitalized (added) to the loan when you enter repayment if you prefer. You will accrue future interest based on the higher principal balance while in repayment. The U.S. Department of Education has a loan repayment calculator that can help estimate your loan repayment options.

    Credit Denial Options

    If you are denied a graduate PLUS loan, you can attempt to secure funding through one of the options detailed below, even though you have received a PLUS denial. 

    Seek a Credit Appeal

    The Department of Education allows borrowers whose credit was denied the opportunity to document either of the following situations.

    • Information showing that credit reporting used in the credit denial is incorrect and has been corrected.
    • Extenuating circumstances exist relating to the adverse credit history of the primary PLUS borrower.

    Borrowers make a credit appeal through one of these means.

    • Log in to studentaid.gov and select "Document Extenuating Circumstances" on the left navigation bar. Follow the directions, and a representative from the Department of Education’s Applicant Services will contact the borrower with further instructions.
    • Contact Applicant Services at 1-800-557-7394 between 8:00 a.m. to 8:00 p.m., Monday through Friday.

    Utilize an Endorser

    An endorser is someone who will pass the credit check and who agrees, similar to a co-signer, to repay the PLUS Loan if the student borrower is unable to do so. Almost anyone can serve as an endorser.

    If you choose to obtain an endorser, the endorser should complete the endorser addendum at studentaid.gov. The endorser will need the Loan Identification Number to connect the endorsement to the denied Grad PLUS Loan. The Loan Identification Number is located on studentloans.gov after you log into your account. Completing the endorsement online also requires a Federal Student Aid ID (FSA ID) that utilizes a username and password.

    • The Loan/Award Identification Number can also be obtained by contacting the LMU Financial Aid office.
    • If the endorser does not already have an FSA ID, they may create one at fsaid.ed.gov.

     

  • You should only seek to borrow an alternative loan after other types of financial aid have been exhausted. We encourage students to submit a FAFSA before deciding on an Alternative Loan.

    Your eligibility is determined by the cost of attendance minus other financial aid or the annual loan maximum amount as determined by the lender. The federal government does not guarantee alternative loans, so they must be insured privately. This extra cost is passed on to the borrower through higher fees and interest rates. In addition, the lender will look at your credit history and other factors to determine your loan eligibility. You may be denied by one lender and approved by another because of how the lender interprets your information. Loan fees, interest rates, and repayment terms vary by lender, so be sure to review all application information carefully.

    Alternative Loan Application Process

    1.  Apply for a Loan

    2.  Cosigner

    • Do you need a cosigner?
    • Discuss Loan details with your cosigner.
    • Complete the application together.

    3.  Alternative Loan Counseling

    4.  Certification and Disbursement

    • Financial Aid notifies the lender of the approved loan amount in 3-5 business days.
    • Once certified, the loan will be disbursed in 10-15 business days.

  • Each graduate college awards its departmental scholarships based on financial need and merit. Some programs may require you to complete the Free Application for Federal Student Aid (FAFSA) and the department's Graduate Scholarship Application to be considered. Please note that Financial Aid does not make selections for departmental grants or scholarships.

    Please review your program's scholarship application below for requirements and application instructions, and contact your program director if you have any questions.

    Departmental Grant and Scholarship Application

    You may apply for any institutional grants/scholarships offered by Graduate Admission without filling out the FAFSA unless your program requires the FAFSA. 

    2025-2026 Academic Year (Summer 2025 - Spring 2026)

    Catholic Teacher Ministry Scholarship

    Students who work full-time as Catholic school teachers, administrators, or parish administrators are eligible to apply. To be considered, students must submit their department's Graduate Scholarship Application with proof of employment attached (e.g., last pay stub or letter from supervisor on official letterhead).

    • Award Amount: $1,000 per 3-unit class (for up to 2 courses per semester in Fall and Spring, and 1 course in Summer terms)
    • Eligibility: Applicants must teach full-time in Catholic Elementary or Secondary Education or work full-time in Catholic Ministry.

    Developing Countries Scholarships

    Catholic clergy or members of Catholic religious orders from developing countries may apply for full tuition assistance to obtain one (1) master's or doctoral degree in any field of study at LMU. Interested applicants should submit a copy of their R-1 Visa to the Graduate Admission office and a one-page statement of intent.

    • Award Amount: up to 100% of tuition

    Religious Scholarships

    The applicant must be a member of the Catholic Clergy or Catholic religious orders. Must be a U.S. Citizen. Applicants should provide evidence of membership in a Catholic religious order or proof of Clergy along with their scholarship application to their department. 

    • Award Amount: 25% of tuition

    Please contact the Graduate Admission at 310.338.2721 or graduatescholarship@lmu.edu for more information on the above scholarships.

  • LMU Financial Aid is excited to introduce Scholarship Universe, a new tool for LMU students that makes finding and applying for scholarships easier than ever before.        

     

            STUDENT LOGIN

    Scholarship Universe Students

    What is Scholarship Universe?

    Scholarship Universe is a matching system that maximizes scholarship opportunities for students. Scholarship Universe allows students to create an academic profile that connects them with various outside scholarship opportunities that match their criteria.

    How does Scholarship Universe Work?

    • Students answer questions that match them to scholarship opportunities for which they are eligible.
    • Students easily apply online to multiple scholarship opportunities through a personalized portal.
    • Students can track their application status online via the portal.
    • Students are alerted whenever they are matched to a new scholarship opportunity.
    • Students receive automated reminders about pending tasks and next steps.

    How do I use Scholarship Universe?

    • Click the “Login” button at the top of this page.
    • Enter your LMU ID and password to log in.
    • Answer as many questions as possible to build your profile and match you to eligible scholarships.
    • Click on the “Scholarships” tab and start applying!

    Be sure to update your profile frequently. Information such as GPA, number of units taken, class standing, major, minor, etc. will affect scholarship eligibility.

    Please email us if you have any questions.

  • If you were awarded a Cal Grant A or B as an undergraduate, you may be eligible to renew your Cal Grant up to one additional year while enrolled in a teaching credential program.

    Eligibility

    Who is eligible to apply?

    • Received at least one payment in the Cal Grant A or B program as an undergraduate.
    • Received a bachelor's degree or completed all required coursework for their bachelor's degree.
    • Are accepted and enrolled in a professional teacher preparation program at a California Commission on Teacher Credentialing approved institution within 15 months of the end of the term for which the recipient last received a Cal Grant payment.
    • Have not received or applied for an initial Teaching Credential, such as a Preliminary or Clear Credential.
    • Maintain financial need for a Cal Grant renewal.
    • Enrollment in 12-18 units in coursework required by the State for the credential is required to receive a full Call Grant award. The Cal Grant award will be prorated for three-quarter time (9-11) and half-time (6-8) enrollment. Students enrolled less than half-time are not eligible.

    When to Apply

    Eligible recipients should apply for TCP benefits as soon as possible after completing their bachelor’s degree, or after formally or conditionally being accepted into a teaching credential program at an eligible institution.

    How to Apply

    • Students must complete a FAFSA
    •  Complete and submit the G-44 From and mail to below address
    • Please allow a minimum of two weeks for our office to receive confirmation of your eligibility from the California Student Aid Commission and to confirm that your program is eligible with LMU's School of Education for the Teaching Credential Program.
    Mail completed form to:
    California Student Aid Commission Grant Programs Processing P.O. Box 419028, Rancho Cordova, CA 95741-9028 

     

     

  • The Teacher Education Assistance for College and Higher Education (TEACH) Grant program is a federal financial aid grant program available to students enrolled in eligible programs. The TEACH Grant Program provides grants of up to $4,000 a year to students who intend to teach full-time in a high-need field at a public or private elementary or secondary school that the U.S. Department of Education has designated as having a high concentration of students from low-income families.

    Agreement to Serve (ATS) 

    TEACH Grant recipient must sign an Agreement to Serve (ATS) annually that explains that the recipient must teach for four years within eight years of completing (or ceasing) enrollment in a TEACH Grant-eligible program.  The grant will convert to an unsubsidized loan if contracted teaching obligations are not met, and interest accrual will be effective as of the date of the first TEACH Grant disbursement.  

    TEACH Grant High-Needs Fields

    High-need fields are the specific areas identified below:
    • Mathematics
    • Science
    • Foreign Language
    • Bilingual Education
    • English language acquisition
    • Special Education
    • Reading Specialist

    School Serving Low-Income Students

    School serving low income students include any elementary or secondary school that is listed in the Department of Education Annual Directory of Designated Low-Income Schools for Teacher Cancellation Benefits.

    How to Apply        Apply Now

    • Complete the current year FAFSA
    • Complete the TEACH Grant Counseling Session
    • Complete the Agreement to Serve or Repay (ATS)
    • The Counseling Session and ATS must be completed 'EACH' year to be considered for the grant.
    • Please allow up to two weeks for our office to receive and process the TEACH Grant Counseling and ATS paperwork
    General Qualifications for the TEACH Grant
    • Be a U.S. Citizen or an eligible non-citizen
    • Be enrolled in a TEACH eligible program 
    • maintaining a cumulative GPA of at least 3.25
    • Be eligible for federal student aid programs
    • Meet standard eligibility criteria for all Federal Title IV financial aid, such as not being in default on a student loan and maintaining satisfactory academic progress

    Award Information

    Program of Study Statutory Annual Maximums Aggregate Limit per program
    Eligible Undergraduate Program $4,000 $16,000
    Eligible Teaching Credential Program $4,000 $16,000
    Eligible Master's Degree Program $4,000 $8,000

    Undergraduate students: Must have formally declared a minor in the School of Education in Elementary, Secondary, Bilingual or Special Education. Students are allowed to declare a minor after achieving junior standing, therefore, LMU does not award the TEACH Grant to first-year or sophomore level students. Students interested in a career in teaching should visit the School of Education, Center for Undergraduate Teaching Preparation.

    Graduate students: Your educational program must be designed to prepare you to teach as a highly qualified teacher in a high-need field and lead to a master’s degree. 

    Please Note: If you do not complete your service obligation, all TEACH Grant funds you received will be converted to a Direct Unsubsidized Loan. You must then repay this loan to the U.S. Department of Education, with interest charged from the date the TEACH Grant was disbursed (paid to you or on your behalf). 

    Cost of Attendance (COA)

    You can see the Cost of Attendance for your program in the Cost of Attendance section of our website. 

  • The Golden State Teacher Grant (GSTG) Program awards up to $20,000 to students currently enrolled in a professional preparation program approved by the Commission on Teacher Credentialing (CTC) and working towards earning their preliminary teaching or pupil personnel services credential.

    Students must commit to work at a priority school in California for 4 years within 8 years of completing their program.  CSAC will continue to process applications through April 1, 2025, or until all funds have been awarded, whichever occurs first. 

    Please note: Legislation updates may affect program eligibility, award sizes, and service obligation length for new GSTG recipients who submit their applications on or after July 1, 2024. For updates, please visit the GSTG Overview for Students webpage.

    Eligibility

    Prior to the 2024-25 academic year, to be eligible for the GSTG, a student must meet the following eligibility criteria:

    • Be currently enrolled in a professional preparation program approved by the Commission on Teacher Credentialing (CTC) that either:  
    • Maintain satisfactory academic progress (SAP).
    • Be working toward a preliminary teaching or pupil personnel services credential.
      • Applicants pursuing a teaching credential who are already in the process of clearing a teaching credential, already hold a clear teaching credential, or are in an induction program are not eligible for the GSTG.
    • Complete their program and obtain their credential within 6 years from the date their initial GSTG payment is mailed to their institution.
    • Commit to work at an eligible priority school or a CSPP for 4 years within 8 years of completing their program.

     How to Apply                        

    The 2024-25 GSTG application will be open from September 1, 2023 through April 1, 2025, or until all funds have been awarded, whichever occurs first. The 2025-26 GSTG application will open on September 1, 2024, for intake only. Eligibility and awarding for new 2025-26 applicants will be dependent on the 2025-26 State Budget and supporting legislation.

    Service Obligation

    There is a service requirement tied to receiving GSTG funds. The commitment is documented in the Service Agreement (SA) and no funds are awarded until the SA is accepted by the participant. 

    Prior to the 2024-25 academic year, all GSTG recipients commit to work at an eligible priority school or California State Preschool Program (CSPP) for 4 years within 8 years of the date they complete their professional preparation program. Any time working prior to completing their program and obtaining their credential is not counted towards the 4-year service requirement.

    A CSPP is a state-funded or federally funded preschool program in California, including tribal and Head Start programs. A new CSPP list is published every school year that includes all eligible, active programs.

    Priority schools are CA public schools that provide instruction in any grade K-12 with more than 55% of pupils classified as English Learners, eligible for free or reduced-price meals, or current foster youth. Priority schools are not the same as schools funded by Title I. The priority school list is compiled by April 15 annually using data submitted via CALPADS to the California Department of Education (CDE) by each public California school. Nonpublic schools are not eligible as priority schools as they do not report data to CDE.

    *Failure to comply with the terms and conditions in the Service Agreement will require repayment of the GSTG award.

    Priority School

    When determining an eligible school for employment, GSTG recipients may refer to either the list published for the school year they received initial GSTG funds or the school year they are seeking new employment for after completing their program. A list of priority schools can be found on the GSTG Overview for Students webpage.

    Repayment 

    GSTG recipients have 6 years to complete their program and be issued their preliminary teaching or pupil personnel services credential by the CTC from the date the Commission mails their initial GSTG payment to their institution. Failure to meet this requirement will result in immediate placement on a 4-year Repayment Schedule for 100% of the grant funds disbursed.

    The timeframe to complete their service obligation begins on the date they complete their program. At the end of the timeframe, they will be required to repay 25% to 50% of their total awarded amount for each year their service obligation is not met. For those their obligation is met, no repayment will be necessary. The repayment is for funds awarded only, no interest.

     For example, if the recipient has a 4-year service obligation and completes:

    •  1 year = Repay 75% of the awarded amount
    •  2 years = Repay 50% of the awarded amount
    •  3 years = Repay 25% of the awarded amount
    •  4 years = No Repayment, obligation complete

    If the recipient has a 2-year service obligation and completes:

    • 1 year = Repay 50% of the awarded amount
    • 2 years = No Repayment, obligation complete

    The service does not need to be completed consecutively as recipients have the full 4- or 8-year timeframe (as designated by their Service Agreement) from their program completion date to complete the obligation. Furthermore, recipients may change schools during their service obligation period as long as they are working at eligible priority schools or CSPPs.

    Next Steps

    Once a student has submitted a GSTG application, they will receive a confirmation email. The student’s institution will verify their eligibility and determine their award amount.

    After the institution verifies the student’s eligibility, the student will be asked to sign their Service Agreement (SA). The SA outlines the program requirements, service commitment, and repayment obligation of the grant. 

    After the SA has been signed, the student’s institution will be able to request payment(s). The grant will be evenly disbursed among all terms the student is enrolled in during the academic year.

    It takes approximately 6-8 weeks from the date the payment request is submitted for the check to arrive at the institution.

    For more information contact the Golden State Teacher Grant Program at:

    goldenstateteachers@csac.ca.gov
    https://www.csac.ca.gov/golden-state-teacher-grant-program
    phone: 1.888.224.7268

     

  • Graduate Assistantships are available to Graduate Students. Assistants are not eligible to receive overtime pay. Applications and Assistantship descriptions can be found here.

    Teaching and Lab Assistantships

    Students interested in an assistantship position should contact their school or department as limited positions are available each year.

  • Over 3,500 students are employed at LMU and work on and off-campus in a variety of jobs. In most cases, students must apply for financial aid by completing the Free Application for Federal Financial Aid (FAFSA) in order to receive an award to allow them to work on campus. This work award is considered a form of financial aid. The following information is a summary of the different work awards and their requirements.

    Federal Work-Study (FWS) 

    Federal Work-Study (FWS) is a federally funded program that provides employment opportunities to students with the highest financial need. The amount you may earn will be listed on your award summary. The maximum FWS award is currently $3,200 per academic year. A FWS award does not guarantee a job on campus. 

    Work experience is not required to secure a FWS position. The money earned is yours to use for out-of-pocket expenses, such as travel, books, and personal care items. LMU students typically work 12-14 hours per week. Work-study funds do not reduce your bill with the university.

    Note to Graduate students: As graduate students are not eligible for most subsidized federal financial aid, they are therefore not required to complete federal verification if selected.  However, if a graduate student is selected for federal verification and requests federal work-study, the student must submit the required documents to complete verification.  

    LMU Work

    LMU Work is an LMU funded award that allows recipients to work on-campus during the academic year and earn the amount of their award. To be considered students must have completed the FAFSA and not qualify for Federal Work-Study. Awards are offered for up to $2,000 per year, as funding permits.

    Transfer Work

    Transfer Work is an LMU funded award for students. The work is directly funded by the employer’s department budget and allows recipients to work on-campus during the academic year and earn the amount of their award. If you were not awarded Federal Work-Study or Loyola Work, you may contact a prospective LMU employer directly to determine if their department budget has funding to hire you. If hired, the employer will notify you directly by email. 

    Benefits of Working on Campus

    • Working on campus allows you to earn money to assist with educational expenses.
    • Working reduces the need for student loans.
    • Working on campus provides flexible hours, as employers understand that school comes first and will work around your class and study schedules.
    • Many jobs are office positions that will provide you with work experience which you can include on your resume. 

    Responsibilities of Working on Campus

    • Notify the Financial Aid Office of enrollment changes that may affect your eligibility for a work award.
    • Maintain satisfactory academic progress.
    • Keep track of your hours so that you do not earn more than your work award. Your employer will be responsible for 100% of any wages earned in excess of your work award.
    • Notify your supervisor of changes to your work award.
    • Report ready to work at the scheduled time.
    • Dress appropriately for the workplace.
    • Complete duties and not conduct personal business while at work.
    • Work with a cooperative and positive attitude.
    • Notify the supervisor as soon as possible of any changes in the work schedule and of projects and exams which may interfere with the work schedule.
    • Submit the completed time-card/time-sheet and/or complete and submit electronic time-sheet to supervisor on time.
    • Adhere to any confidentiality/security agreements set forth by the employer.
    • Notify each supervisor if employed in more than one position on campus.
    • Notify supervisor of any job-related accident.

    What happens once I have earned my Work-Study allocation?

    Students are responsible for ensuring that they do not earn over their work-study allocation. A collaborative effort should be made by both the student and the employer to track earnings. Students and employers can monitor their remaining work eligibility on their MyTime account. Click on the “banks” tab below to review how much you have been offered and how much remains for use. Students may not work beyond their work-study allocation. When a student finds they are getting close to earning their total work-study allocation, they should contact their supervisor to ensure they are aware. However, once the full work-study allocation is earned, the student must stop working unless arrangements can be made directly through the supervisor.

    How do I find a job to earn my work award?

    Recipients can look for positions through Student Employment Services. Their website can also give you more information about working at LMU as a student.  

    Tax and FAFSA Implications

    Earnings from work are considered taxable income. You will need to determine whether you are required to file a federal or state tax return based on your total earnings from all sources in 2013. For more information regarding federal taxes, visit www.irs.gov/individuals/students. For California state tax information, visit https://www.ftb.ca.gov/file/personal/do-you-need-to-file.html or the Web site for your state of residency. For more information on working at LMU visit Career Development Services.