If you’ve been denied financial aid from your school or you didn’t get as much as you need, that decision isn’t necessarily final.
A financial aid appeal letter doesn’t guarantee that the college will change its mind, but it can give you an opportunity to plead your case and share some information they might not know about.
If you’re hoping the financial aid office will (hopefully) revise their decision, it’s important to know how to write a compelling appeal letter for financial aid.
Reasons to Write a Financial Aid Appeal Letter
There are a couple of reasons you might need to learn how to appeal your financial aid award, including not getting the amount you need or getting denied outright.
Your Financial Aid Offer Fell Short
The financial aid your school offers is based on your school’s certified cost of attendance and your expected family contribution, which is calculated based on the information you input into your Free Application for Federal Student Aid (FAFSAⓇ) form.
If you are a dependent student your parent’s expected financial contribution will be factored into your federal student aid award. But just because your parents may have the income and assets to help you pay for school on paper, that doesn’t always mean they will be able to.
Even if they had originally planned to help out, life’s unexpected twists and turns may have caused something to change since you first submitted your FAFSA form. For example, maybe a parent lost their job or switched to a job with a lower-paying salary, or a medical emergency ate up the cash they had set aside to help you cover the cost of your education.
If you need more aid than the offer provides and you have a good reason to think so, a financial aid appeal letter may be your ticket to helping you get what you need.
You’re Not Eligible
In order to qualify for federal financial aid, you need to meet a handful of eligibility requirements. The criteria include being enrolled or accepted for enrollment in an eligible degree program, and maintaining satisfactory academic progress. You can find the full list of eligibility requirements on the Federal Student Aid website.
If you don’t meet one of these requirements before the financial aid office makes its decision or you lose eligibility after receiving an offer, you may not get the help you need.
Writing a Financial Aid Appeal Letter
A good financial aid appeal letter can potentially shift your financial aid office’s decision in your favor. Here are some things to keep in mind while you’re writing it.
Not getting the financial aid you feel you need can be a frustrating experience. When it comes time to direct your request to someone specific, looking for a contact in your school’s financial aid office and addressing the letter to them directly might help. If you’ve received some aid, you could thank them for the amount and perhaps explain how much you appreciate them considering your appeal.
It can be difficult to leave emotion out of the equation, but a respectful tone could have a positive influence.
Being Specific and Clear
Being clear with your request and how much aid you need, then giving a straightforward explanation as to why it’s needed, could potentially help make your letter more compelling. If you need more money, it’s a good idea to be specific on why your need is greater than the amount they initially awarded to you.
If you were denied aid for an issue with eligibility, you may want to explain the reasons why it happened. For example, maybe your grades dipped because you were diagnosed with a serious illness, lost an immediate family member, or became homeless.
Keeping it Short
Writing a manifesto might not be the solution here. The financial aid office will likely be reviewing multiple letters so it may help to keep the letter concise and compelling.
If you have any relevant documents that can help support your case, you will likely want to include them with the letter. For example, a death certificate, a doctor’s note, or an eviction notice, can give the financial aid office the evidence that it needs to get a clearer picture of what’s happening.
If you’re asking for a specific amount, consider including a budget breakdown of how you’d spend that money, including tuition, room and board, supplies, books, and travel costs.
Proofreading Your Letter
After writing and thoroughly proofreading the letter yourself, it could be beneficial to have a trusted friend or family member give the letter a quick read. A second set of eyes could eliminate additional errors. It’s not always easy to catch errors on your own, and the easier your letter is to read, the better the impression you’ll likely make.
Alternatives for Paying for College
Learning how to write a strong appeal for financial aid could potentially improve your chances of getting the help you need. But if you submit your letter and your appeal is still denied, you may still have other options for covering your college costs.
For example, you may be able to qualify for scholarships through your school or a private organization. Check your school’s website for opportunities, as well as websites like Scholarships.com , Fastweb , and College Board .
If your parents are willing to help, they can apply for Parent PLUS Loans through the U.S. Department of Education. These loans are not needs-based, and the maximum amount they can borrow is your school’s cost of attendance minus any financial aid you’ve already received.
Finally, you may also be able to apply for a private student loan. These loans require a credit check, though, so if you’re still relatively new to credit, you may need a parent to co-sign the loan.
As you consider these options, take the time to research their costs and terms to make sure you get the best one for you, keeping in mind that exhausting all your federal aid options first before applying for a private student loan is ideal.
If you do decide that a private student loan is the right fit for your educational needs, we’re happy to help. SoFi offers flexible payment options and terms, and don’t worry, there are no hidden fees.
SoFi Private Student Loans
Please borrow responsibly. SoFi Private Student Loans are not a substitute for federal loans, grants, and work-study programs. You should exhaust all your federal student aid options before you consider any private loans, including ours. Read our FAQs. SoFi Private Student Loans are subject to program terms and restrictions, and applicants must meet SoFi’s eligibility and underwriting requirements. See SoFi.com/eligibility for more information. To view payment examples, click here. SoFi reserves the right to modify eligibility criteria at any time. This information is subject to change.
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