Oct 24, 2020  
2010-2011 Graduate Catalog 
2010-2011 Graduate Catalog Archived Catalog

Financial Aid

The University of Tennessee at Chattanooga has several financial programs to assist graduate students with the cost of advanced studies. The University provides funds to students who have documented financial need; it also has assistance that is not need-based. Students who want further information about academic merit awards (graduate assistantships) should contact the department of the program to which they are applying for graduate study and obtain applications from The Graduate School office.

Students requesting need-based and non-need based federal and state financial aid from UTC will need to complete the Free Application for Federal Student Aid (FAFSA). These forms and assistance are available online at www.fafsa.gov.

Early application for financial aid is encouraged. The FAFSA should be completed by February 15 for the Fall semester and September 15 for Spring semester entry. If requested, students must submit the Financial Aid Institutional Verification form and copies of income tax returns, if filed, in order to complete a Financial Aid file. The Financial Aid Office will process applications throughout the school year for any available funds; however, qualified students who submit the FAFSA by the recommended dates and submit all required documentation by April 1, for the Fall semester will receive maximum consideration. Students need to reapply for financial aid each year. Students must regularly check their UTC e-mail, as this is how they will receive official correspondence.

General Information

Students must be accepted for admission to the University or be eligible for continuation before financial aid awards will be made.

To qualify for assistance, a graduate student must normally be enrolled at least half time. Six graduate semester hours equals half time; nine or more graduate semester hours equals full time. Students must also be officially enrolled in a degree-seeking program, taking courses leading toward teacher certification or taking prerequisite courses required for regular admission into a graduate program. Note: Aid is awarded based on full time enrollment. Enrollment status for financial aid purposes is determined on the last day to add classes for the semester and eligibility is adjusted accordingly.

Students who are admitted as provisional or conditional graduate students are not eligible for financial assistance.

To qualify for federally funded programs (Stafford Loans), students must be citizens or permanent residents of the United States.

To maintain eligibility for financial aid, students must be in good academic standing with the University and be making satisfactory progress. For complete details on academic standing and satisfactory progress for financial aid, students should contact the UTC Financial Aid Office, 423-425-4677 or online at www.utc.edu/financialaid.

Academic Common Market

The Academic Common Market is a program offered by the Southern Region Education Board (SREB) that allows a student to enroll in an undergraduate or graduate program at a university in another state without having to pay out-of-state tuition if that program of study is not offered by the public institutions in the student’s home state.

Each participating SREB state has a coordinator for the Academic Common Market. The state coordinator’s name and address are listed on the SREB Web site (www.sreb.org)

Any student interested in the Academic Common Market should contact the state coordinator in his or her home state. The state coordinator will help the student determine whether he or she is eligible to participate.

Student Financial Aid

Type of Aid
Part-time employment for students who do not meet the federal guidelines for employment under the College Work Study Program   Placement Office Application Student Application, Employment Financial Aid Office   All students
Stafford Loans   FAFSA   All students enrolled at least half-time
Graduate Assistantships   Graduate School Office   Graduate students who plan to enroll at least one-half time

Graduate Opportunity Assistantships Program

  Graduate School Office   First year/first generation graduate students
Scholarships   Graduate School Office   All students meeting donors’ criteria.
Grants   FAFSA   All students meeting specified criteria

Graduate Assistantships


To be eligible, a student must be fully admitted to a graduate program and have academic good standing. International students are generally not eligible for a graduate assistantship in their first semester of enrollment.

All awards and work assignments will be made through the director or dean of the respective discipline. Continuation of assistantships will be determined by the dean of The Graduate School and will be contingent upon the student’s maintaining a 3.25 or higher graduate grade point average.

Assistantships serve to facilitate graduate students in the prompt and successful completion of an advanced degree program and to provide work experience in a setting under the supervision of a faculty or administrative mentor.

Research assistantships are specific awards; the student assists with a range of duties, including library research, preparation of reports, field studies, and laboratory research.

In administrative assistantships, the graduate student works in an administrative office, gathering, organizing, and analyzing information. Such work may be clerical, computer-based, and/or editorial in nature. To allow maximum professional development, the student should be given the opportunity to apply his/her academic skills to the assigned tasks and develop new administrative skills.

Instructional assistantships recognize that graduate students make valuable contributions in laboratory settings and supportive activities. Graduate students should not be teachers of record unless they have earned their master’s degree and meet all SACS criteria. Accordingly, students with instructional assistantships should work in limited settings under the close supervision of a specific faculty member.

The priority deadline for applying for a graduate assistantship is February 15. Applications are available at www.utc.edu/graduateschool.

Graduate Opportunity Assistantships

Graduate Opportunity Assistantships are available to first
year graduate students who are first generation students at the master’s or doctoral level and who will promote the educational and related benefits of a diverse graduate student body. This assistantship provides financial support to first-time enrolled graduate students demonstrating significant potential to contribute to the educational mission of The University of Tennessee at Chattanooga by presenting one or more of a wide range of diverse attributes.

UTC seeks to recruit, enroll, and retain qualified students who will benefit from educational and social interactions with peers who come from different backgrounds and who have different life experiences, perspectives, and goals. UTC also seeks to prepare its students with an array of educational experiences that will prepare them for dealing effectively in an increasingly diverse and global workforce. This graduate assistantship program is designed to achieve these goals. The wide-ranging attributes that will contribute to the educational mission of UTC include but are not limited to ethnic and cultural backgrounds or life experiences, career goals, social or economic disadvantaged, disability status, age, race, and gender.

Recipients will be selected by a committee of three: one graduate faculty member and two administrators of the Graduate School. Recipients will hold the award while they are in good academic standing until the degree is successfully completed.

The priority deadline for applying for graduate opportunity assistantships is February 15. Applications are available at www.utc.edu/graduateschool.


The Graduate School has a limited number of scholarships, most of which are single course scholarships. To be eligible, students must have a minimum 3.0 institutional cumulative GPA. The priority deadline for applying is February 15.

  • Channel 3 Scholarships provide $1,000 awards to two African-American students in the M.B.A. program who are interested in the broadcast industry.
  • Charles Foundation Scholarships are available to select full-time students in engineering or education.
  • Civitan Club Scholarship provides a $1,000 award to a special education student with financial need.
  • Community Development Work Study Program Fellowships are awarded by the U.S. Department of Housing and Urban Development to students with economic need majoring in Public Administration. These fellowships are available only when UTC receives funding.
  • Dr. John A. Dyer book scholarships provide $500 awards to a few students in the Public Administration Program.
  • Fincannon Scholarships are awarded to selected previously married women.
  • Finley Scholarships are awarded to a few single parents, especially women.
  • Geraghty Scholarship is for a student in the M.B.A. program with a humanities undergraduate major.
  • The Graduate School Scholarship recognizes a student in any discipline who has need and shows unusual merit.
  • Lebovitz Scholarships are awarded to eligible students of the Jewish faith.
  • Music performance grants are available for the bands, singing groups and orchestra. Applications are made to the head of the Music Department.
  • The Radin Scholarship is awarded to a student in the liberal arts.
  • Rotary Club of Chattanooga Scholarships are awarded to selected graduate students who are alumni of Chattanooga City or Hamilton County public schools.

Note: There may be special awards for students in Nursing or Physical Therapy. Contact the appropriate program coordinator for information.


Teacher Education Assistance for College and Higher Education (TEACH) Grant

The TEACH Grant is a Federal grant available to Graduate students who have completed the FAFSA, are U.S. citizens or eligible non-citizens, have a 3.25 GPA or scored in the 75th percentile on a standardized admissions test (such as the ACT/SAT/GRE), and have declared an eligible major as defined by UTC. The maximum award for the academic year is $4,000 with a cumulative maximum of $8,000. Regulations and provisions of the TEACH Grant are subject to change by Federal legislative action. Agreement to serve/promise to pay: The student must teach full-time for at least four years within eight years of completing program as a 1) highly qualified teach; 2) at a Title 1 school; 3) in a specified subject area (mathematics, science, a foreign language, bilingual education, special education, or as a reading specialist). If service is not met: the grant must be repaid as an Unsubsidized Direct Stafford Loan with interest from the date(s) or original disbursement.

Students admitted as provisional or conditional graduate students are not eligible for the TEACH Grant.

Student Loans

Subsidized Stafford Loans

These student loans are government-insured loans with no interest charged while the student is in college and are repayable after graduation or withdrawal from college.

Eligible graduate students may borrow a maximum of $8,500 per academic year.

To qualify for Stafford Loans, students need to file the Free Application for Federal Student Aid and have a complete Financial Aid file. Students must be enrolled at least half-time (six hours for fall, spring, or summer terms).

Unsubsidized Stafford Loan

These non-need based loans are available to students enrolled at least half-time. (Six hours for fall, spring, or summer terms.) Graduate students may borrow up to $12,000 per year. These loans are not linked to family income; and, therefore, all students who have not previously defaulted on a student loan are eligible.

To have unsubsidized Stafford Loans processed, students need to file the Free Application for Federal Student Aid www.fafsa.gov and have a complete Financial Aid file. The aggregate Stafford Loan limit for graduate students is $138,500 including undergraduate borrowing.

Students admitted as provisional or conditional graduate students are not eligible for loan assistance.

Graduate PLUS Loan

These credit based loans can go up to a student’s cost of attendance minus awarded aid. Students MUST have maximized their Stafford loan eligibility for the academic year before a Graduate PLUS loan will be awarded. Students need to contact a lender to be approved for the Graduate PLUS loan. Student must be degree seeking and enrolled in at least six hours.

Student Employment

The Chattanooga Symphony offers an orchestral apprentice program for a limited number of qualified orchestral performers. Eligible students receive wages equal to the prevailing union contract. Interested students should contact the head of the music department.