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  • Loans & Other Aid

Students who meet specific criteria or have demonstrated financial need may be eligible for additional forms of financial aid. This aid may come in the form of federal or state assistance, University or privately funded scholarships or grants, or other programs.

The following programs are available to students enrolled in full-time degree programs at Roger Williams University:

Direct Subsidized Loan

A federal loan awarded based on financial need. While a student is enrolled at least ½ time, they will not be charged interest before they began repayment or during periods of deferment.  *Note: If you receive a Direct Subsidized Loan that is first disbursed between July 1, 2012, and July 1, 2014, you will be responsible for paying any interest that accrues during your grace period.  If you choose not to pay the interest that accrues during your grace period, the interest will be added to your principal balance. 

Federal Direct Unsubsidized Loan

This program allows students from middle-income families who do not qualify based on need for the above program to apply for this federal loan. Interest is accrued while the student is in school, with repayment of interest and principal beginning six months after graduation. The application criteria for the above program also applies to this loan program.

Federal Pell Grants

This program also uses the Free Application for Federal Student Aid (FAFSA) form to determine a student's eligibility. This form can be obtained from your high school guidance office or Roger Williams University's Office of Student Financial Aid and Financial Planning. Students should receive Student Aid Reports (SAR), stating their eligibility approximately four to six weeks after submitting the application.

Federal Perkins Loan

The Federal Perkins Loan Program makes funds available to students with exceptional financial need. Repayment of the loan at five percent interest does not begin until at least nine months after students graduate or drop to less than half-time enrollment.

Federal Supplemental Educational Opportunity Grant Program

This grant program provides assistance to students with exceptional financial need. Consideration is first given to Pell Grant recipients and students with the lowest family contribution.

Work-Study Programs

Roger Williams University participates in these federal, state, and institutionally funded programs which provide employment opportunities on and off campus. Students are employed in many areas of the University and are encouraged to work in an area that will complement their chosen majors.

Roger Williams University Grants/Scholarships

The University also makes available funds from its own resources to assist qualifying students. These grants/scholarships are awarded on the basis of financial need.

State Scholarship and Grant Programs

Many states have scholarship and grant programs for students attending institutions of higher education. The application process, eligibility criteria, and the number of awards differ from state to state. Specific information can be obtained from high school guidance offices and the Department of Education in the applicant's state.

Outside Scholarships

Any outside scholarship that a student receives will be applied first to any unmet financial need. If there is no unmet financial need we will first reduce federal work study then loan(s) and lastly grant money.

Educational Assistance for Veterans 

The Veterans Administration administers programs for veterans and service people seeking assistance for education or training. Veterans and service people who initially entered the military on or after January 1, 1977 may receive educational assistance under a contributory plan. A deferred payment plan is available for veterans enrolling full time. Additional information regarding veterans' benefits as well as college applications may be obtained through the Roger Williams University Veterans Affairs Office.

The Yellow Ribbon GI Education Enhancement Program (Yellow Ribbon Program)

RWU is a participant in the Yellow Ribbon Program and currently offers a total of 15 spots in the program at any one time; spots are not tied to an individual major, school or college of the institution. The institution is required to approve spots to qualified applicants on a first-come, first-served basis. When all spots are being utilized, a spot will not be available until one of the students using a spot has graduated or left the institution.

In order to be approved for the program, applicants must:

  1. Already be officially accepted to RWU
  2. Submit an application to the Yellow Ribbon Program using the form below
  3. Submit a copy of a Certificate Eligibility showing 100% eligibility for the Post-9/11 G.I. Bill

Applicants cannot be approved until ALL of these conditions have been met; at this time, we are unable to approve an applicant unless an accompanying Certificate of Eligibility has been submitted. However, if an applicant has been admitted to RWU, a Yellow Ribbon Program application can be submitted without a Certificate of Eligibility, and the applicant will be placed on a waiting list. Once a valid Certificate of Eligibility is submitted, a spot will then be approved, provided that a spot is available and all necessary, valid documents have been submitted.

RWU Yellow Ribbon Program Application

For questions on the Yellow Ribbon Program, please contact Mary Anne Johanson at or (401) 254-3551