US Financial Aid

The US Financial Aid team administers Direct Loans under the William D. Ford Direct Loan system. We can also help with your private loan requirements.

Consumer information

To ensure you have all the information you need to make a decision about studying here, use the links provided to view current information about the University and our policies and procedures.

You need to know the current requirements and procedures for students and the University of Wollongong, under the Higher Education Act of 1965 (HEA), as amended by the Higher Education Opportunity Act of 2008. Our website provides the latest information (and we have summarised with a list of links below) but if you cannot find the information you need, please contact us.


Financial Assistance Information

  1. Information about ways to access financial support including government assistance, scholarships and bursary, financial counselling can be found here:
  2. Information regarding US financial Aid for William D. Ford Federal Direct Loans, Private loans.


William D. Ford Federal Direct student loan Program Information

For Information regarding Terms and conditions of the Title IV, HEA loans, including


  • Eligibility requirements
  • Determining award amounts;
  • Disbursement;
  • Student rights and responsibilities
  • Satisfactory Academic Progress
  • Exit counselling and repayments
  • Procedures and forms


Institutional Information

Cost of attendance and fees

The University's cost of attendance is your full tuition fees and full living expenses, as well as any ancillary costs.

The cost of attendance for 2022/2023 is outlined below in Australian dollars for two semesters. If you’re applying for financial aid for one semester only, these figures will be prorated accordingly. The figures are periodically reviewed and subject to changes on an annual basis.



Cost (AUD)

Tuition and fees

$30,000 (Varies depending on your program of study - approximate course tuition fees are outlined on your UOW course offer)

Living allowance (including room and board, rent, food)


Student Services and Amenities Fee (SSAF)

$300 (Varies depending on campus and study load)

Return airfare


Overseas Student Health Cover (visa length cover)

Varies depending on visa length

Books and supplies



Some courses may involve additional specific costs such as the need to purchase a uniform. These costs are outlined on the non-tuition-costs website


Currency conversion and exchange rates

The Cost of Attendance amounts are in Australian Dollars (AUD) and will be converted to US Dollars (USD) at the time your loan eligibility is calculated. The exchange rate calculation is unable to be adjusted after that point.

When the Department of Education transfers loan disbursements in USD to the University, they are converted to AUD at the exchange rate on the date the funds are deposited in the University's bank account.

As a result of these currency conversions at different points in time, the actual disbursement amounts will be different from the initial agreed amount. It is your responsibility to understand and accept this risk as part of studying at a foreign university and receiving US financial aid.


Responsible borrowing

The Fees and Scholarships team has a duty of care to encourage responsible student borrowing and ensure you are aware that relocation costs are not included as part of the cost of attendance. You need to make sure you have access to other funds to cover your relocation and settlement costs in Wollongong while your loans are being processed.

Under US Federal Regulations your cost of attendance must only include costs associated with your education for the time you are in study. If you are funding your relocation costs by other means (such as credit card or line of credit), you will not be certified for any additional amounts exceeding your cost of attendance and relating to relocation costs. In addition, private and federal loans will not be certified to be disbursed before your departure.


Program Policies and information



Contact us

For application assistance and further enquiries