Sources of Student Financial Aid
Scholarships & Grants
Merit-based and need-based awards that do not require repayment.
View all Scholarships & Grants
Educational Borrowing
Students and families have the opportunity to manage educational costs through borrowing federal and private loans.
View Borrowing Options
- View/Pay Bill for On-Campus Students
- View/Pay Bill for Online Students
- Billing Calendar
- Educational Borrowing
- Tuition & Fees
- Scholarships & Transfer Financial Assistance
- Financial Aid Policies & Procedures
- Swords Hall 100
- Financial Aid
- (309) 677-3089
- Bursar’s Office
- (309) 677-3120
- [email protected]
- [email protected]
Application Procedure
The free application for Federal Student Aid (FAFSA) is the starting point for financial assistance from federal, state of Illinois, and Bradley University. The FAFSA also serves as the application for federal student and parent loans. You will submit a new FAFSA each academic year. If you are only interested in receiving Bradley University academic scholarships and/or performance-based awards, you do not need to complete the FAFSA.
- The FAFSA is always completed online at the U.S. Department of Education website. Do not go to any other web address to submit your FAFSA. Applying for financial assistance is always free. If you are asked to pay, you are at the wrong site and should contact the Bradley Financial Assistance Office for guidance.
- If you are applying for financial assistance at more than one school, you still only complete one FAFSA. The results will be delivered to each school that you have indicated via a U.S. Department of Education school code. Bradley University’s School Code is 001641.
- The 2025-2026 FAFSA is scheduled to be fully available in December 2024 and must be filed as soon as possible to ensure full consideration for federal, state of Illinois, and Bradley financial assistance. Those with later filing dates risk not receiving many types of Bradley University and state of Illinois financial assistance. The 2026-2027 FAFSA release date is scheduled to return to an October 1st release.
- The 2025-2026 FAFSA is linked to 2023 federal tax information. This allows families to complete the FAFSA using tax information that is already complete.
Verification is a review process in which the Office of Financial Assistance is directed by the Department of Education to determine the accuracy of the information provided on the FAFSA. Applications requiring verification are selected by the federal processor. Selection may be random or as a result of missing, inconsistent, conflicting, or seemingly incorrect information.
If selected, we will notify the student to request additional information/documentation including a Verification Worksheet.
You will be asked to send information directly to the university. Generally, Bradley completes verification prior to making a financial assistance award, so your initial award will not change. In the unlikely event that your award was made prior to verification and the information you provide differs from the information reported on your FAFSA, financial aid could be reduced or cancelled. Verification must be completed prior to review of any special circumstances.
Verification Forms
- 2024-25 Verification Worksheet
- 2024-25 Parent Non-Filer Statement
- 2024-25 Student Non-Filer Statement
- 2024-25 Citizenship Documentation Statement
- 2024-25 Eligible Non-Citizen Documentation Statement
- 2025-26 Verification Worksheet
- 2025-26 Parent Non-Filer Statement
- 2025-26 Student Non-Filer Statement
- 2025-26 Citizenship Documentation Statement
- 2025-26 Eligible Non-Citizen Documentation Statement
Financial assistance award information is delivered electronically via either Bradley Bound or MySFS. When a new or revised award has been posted, the student will be notified by email. Students can log into MySFS and view award information using their six digit Bradley ID (BU ID) number* and the last five digits of their social security number. If you choose not to provide your social security number on your application for admission, you will be unable to access MySFS.
For first-year and transfer applicants, award notification begins in mid-November. Continuing student award notification begins mid-June.
Bradley uses a “passive” award acceptance process. This means that no action (such as signing and/or returning an award) needs to be taken unless a student wishes to decline a portion of the award, such as a student loan. Awards (including federal loans) are automatically posted to the student’s billing account beginning early July.
*New students who do not know their BU ID should contact Undergraduate Admissions at (309) 677-1000
Financial Aid Appeals
Special & Unusual Financial Circumstances Appeals
Bradley University recognizes that unplanned and unforeseen situations arise that impact educational financing plans. This may include: changes in the family financial circumstances that are not reflected on the student’s FAFSA (special circumstances), unusual circumstances which would justify a change to the student’s dependency status, or cost of attendance adjustments. As financial aid administrators, we have the authority and responsibility to respond to these situations using professional judgement. On a case-by-case basis and with adequate documentation, we evaluate the situation and make an appropriate response.
Bradley University recognizes that the information provided on the FAFSA may not reflect current unplanned and unforeseen situations that impact educational financing plans. The U.S. Department of Education grants financial aid administrators the authority to make professional judgments in response to what they refer to as special or unusual circumstances on a case by case basis. With adequate documentation we may alter the data on the Free Application for Federal Student Aid (FAFSA), a student’s dependency status, or make adjustments to the student’s cost of attendance. Inconsistent or conflicting information that has been provided must be resolved via acceptable documentation prior to any adjustments. The professional judgment determination made by the Office of Financial Assistance is final and cannot be appealed to The U.S. Department of Education or any other office or individuals at Bradley University.
Submitting a Professional Judgement request does not guarantee a change in financial assistance.
Special circumstances refer to financial situations not represented on the FAFSA that justify an aid administrator making adjustments to the data elements of the FAFSA calculation that will impact the Student Aid Index (SAI). Special circumstance appeals that will be considered include, but are not limited to:
- Loss of or change in employment (if it has been at least 60 days)
- Substantial loss of income after tax year reported on FAFSA
- Change in financial situation due to: separation, divorce, death of a spouse/parent’s spouse or abandonment
- Loss of untaxed income reported on the FAFSA such as child support
- Excessive medical expenses (must exceed 11% of AGI)
- One-time taxable income (IRA distribution, pension distribution, etc.)
The following circumstances will not be considered:
- Job loss due to cause or personal choice
- Standard living expenses increase (utilities, car, private school, etc.)
- Car or mortgage payments
- Personal debt (credit card debt for example) or bankruptcy
- Parent in college
- Student’s change in marital status from single to married
- Parent’s refusal to contribute to educational expenses
- Students with an SAI of -1,500
- Graduate students, as they aren’t eligible for need based aid
Unusual circumstances are those that justify an aid administrator making an adjustment to a student’s dependency status. Dependency override can be used with proper documentation in the following cases:
- An abusive home environment
- Human trafficking
- Legal refugee or asylum status
- Parental abandonment or estrangement
- Parent(s) cannot be located
- Incarceration or institutionalization of parent(s)
What does not qualify as a dependency override:
- Parent refuses to contribute to the student’s education
- Parent refuses to complete the FAFSA and/or provide verification documentation
- Parent does not claim the student as a dependent on their taxes
- Student lives apart from parent
- Student works and is self-supporting
Dependency Overrides are rare and documentation is essential. Official documentation such as court documents or written statements from case workers, counselors, physicians, clergy, police, attorneys, etc. will be required.
Financial aid administrators must obtain documentation from students who indicate that they are unaccompanied homeless youth. The most common form of documentation is a McKinney-Vento that has been completed by the homeless liaison at the student’s high school. Documentation from an emergency shelter, outreach program, or aid administrator at a previous institution is also acceptable. In the absence of preferred documentation, please contact the Office of Financial Assistance for determinations made on a case by case basis.
Foster Care Youth
Bradley University requires documentation to confirm a student was in foster care at age 13 or older. A court filed and stamped order is preferred. Please contact the Office of Financial Assistance if the court paperwork is unavailable.
*Any student who received a dependency override in a prior award year will be independent for each subsequent award year at Bradley University unless we receive conflicting information regarding the student’s independence.*
In extenuating circumstances where the standard cost of attendance (COA) does not represent the educational expenses being incurred, students may submit a COA appeal. Changes to COA will not increase federal, state or Bradley funded grants but may result in additional borrowing eligibility via private or PLUS loans. COA increases can be considered for the following reasons if documented and above the standard allowance:
- Living expenses
- Transportation
- Computer purchase (one time purchase – $2,000 maximum)
- Disability related academic expenses (not paid for by an outside organization)
- Student’s child care expenses for a dependent
The following will not be considered as a COA appeal:
- Credit card debt
- Car payments or car insurance
- Food and clothing
- Expenses for extracurricular activities (conferences, sports, internships, etc.)
- Expenses incurred for periods during which the student is not enrolled
- Expenses for other family members
Documentation requested may include, but is not limited to the following:
- Death – death certificate for the parent or spouse of the student
- Divorce or separation – court filed divorce decree or separation agreement
- Unemployment or Loss of Wages – letter of termination, 6 months of pay stubs (signed), most recent Federal 1040 (signed by the taxpayer) and W2(s)
- Loss of Benefits – court order, letter from state or federal agency, most recent Federal 1040 (signed by the taxpayer) and W2(s)
- Excessive Medical Expenses – medical receipts/expenses for the year, most recent Federal 1040 with Schedule A (signed by the taxpayer) and W2(s)
- Dependency Override – Bradley University Dependency Override Form and three attestations on agency letterhead
- Computer Purchase – Bradley University Computer Purchase Form and dated receipt/proof of purchase (adjustment will not exceed $2,000)
In order to request a professional judgment students must notify the Office of Financial Assistance about special circumstances or unusual circumstances. Unusual circumstances can typically be reported on the FAFSA which will prompt requests for additional documentation. Circumstances that can not be reported on the FAFSA can be reported to our office via the Professional Judgement Appeal form.
Once an appeal is filed, the Office of Financial Assistance Appeal Committee will perform an initial review of the information provided. At this time we will ensure that the student has a valid FAFSA on file, free of any errors and/or conflicting information. If it is determined that the circumstances may warrant a professional judgment, additional documentation will be requested. Requests for additional documentation will be sent to the email address indicated on the appeal form. Documentation should be submitted via our secure portal bradley.leapfile.net. Emailed copies of documentation will not be accepted.
Once all of the appropriate documentation has been received, the appeal will be reviewed. This process may take up to four weeks to complete. If approved, any updates to the FAFSA will be submitted to the U.S. Department of Education so that the SAI may be recalculated. Changes in SAI will likely result in updates to the student’s financial assistance offer which will be communicated to the student via email.
Bradley University reserves the right to deny requests for professional judgments. Denial letters will be sent to the email address included on the appeal form. The professional judgment determination made by the Office of Financial Assistance is final and cannot be appealed to The U.S. Department of Education or any other office or individuals at Bradley University.
Academic-Related Financial Aid Appeals
A student’s eligibility for some or all sources of financial assistance may be terminated for certain academic-related reasons. Academic-related appeals generally fall into one of two categories: failure to maintain satisfactory academic progress or loss of an academic scholarship. Appeals for these reasons must be made using the Satisfactory Academic Progress Petition & Scholarship Appeal Form.
Students who have failed to make Satisfactory Academic Progress will be notified by the Office of Financial Assistance at the conclusion of a semester about the termination of financial aid eligibility. Students who have received this notification may appeal the loss of aid eligibility by submitting a Satisfactory Academic Progress Appeal. All appeals must fully explain the extraordinary circumstances which prevented the student from achieving SAP standards. Appeals must also include a detailed plan explaining how the student will reestablish SAP including what has changed in the student’s situation that will allow them to meet SAP requirements at the next evaluation. Please review the Policy and Procedure for Satisfactory Academic Progress for your program for additional information.
The termination or suspension of a student’s merit-based scholarship for academic reasons can have significant impact on the family’s educational financing plans. The Office of Financial Assistance is charged with balancing the impact of this loss with the responsibility of maintaining the academic integrity of the scholarship. While the Appeal Committee has some latitude in making exceptions to the University’s published grade point average renewal policy, consideration is generally limited to extraordinary circumstances that were largely outside of the student’s control such as student illness or the illness/death of a near-relative.
In situations where the scholarship eligibility has ended because the student has received the maximum number of semesters of eligibility (8 semesters for first-time freshman scholarships; 4 semesters for transfer scholarships), the Committee will entertain appeals that address the impediments that prevented graduation within a typical 4-year timeframe. Again, the Committee’s discretion is limited to factors that the student could not control. Appeals based on resume’ enhancement activities such as GPA improvement, second majors, or multiple minors are rarely granted.
Student Financial Services
Financial hurdles shouldn’t stand in the way of your education. That’s why the Student Financial Services team is ready to help.
- Easy Bill Payment and Comprehensive Information
- Resources for Borrowing and Other Financial Policies
- Direct Contact with Team Members to Answer Your Questions