Recently, the federal government made additional funds available to colleges and universities to help address financial hardships as a result of the COVID-19 pandemic. Central Michigan University will receive approximately $7 million from the Higher Education Emergency Relief Fund, also known as CARES Act II, to assist students during these challenging times. Information on how to receive these funds can be found at:

Our longstanding commitment to providing exceptional financial aid packages to students and families in need means we also revisit existing programs to make sure we’re doing all we can for our students. Our CMU Traditions program is an excellent example. Using a combination of federal, state and institutional aid, our program covers tuition and mandatory fees for incoming first-time college students or transfer students who qualify. We’ve extended the reach of this important program.

To qualify for the CMU Traditions program, a student must:

  • Be a degree-seeking freshman or transfer student.
  • Be enrolled full-time (at least 12 credit hours or more each semester) at CMU’s main campus.
  • Be a Michigan resident.
  • Have a combined student and family adjusted gross income of $50,000.
  • Have family assets of $50,000 or less and meet the eligibility requirements.
More information may be found at: https://www.cmich.edu/ess/OSFA/Documents/CMU_Traditions_FAQ.pdf


CMU's Summer Extra Credit Program for New and Transfer Students

Get extra credit this summer! Take at least 3 credits this summer and we will award you $750 toward your tuition.   More information may be found at: https://www.cmich.edu/ess/OSFA/Pages/Summer-Extra-Credit-Program-New-and-Transfer-Students.aspx

FAFSA FOR 2021-2022

The 2021-2022 Free Application for Federal Student Aid (FAFSA) is now available.  Most students qualify for some form of financial aid so be sure to file your 2021-2022 FAFSA as soon as possible by going to Complete the FAFSA Form at https://studentaid.gov.

The 2021-2022 FAFSA will allow students to report tax information from 2019

           School Year

​       FAFSA AvailableTax Year Information to Use
​  Fall 2020-Summer 2021​       October 1, 2019​            2018
​  Fall 2021 - Summer 2022​       October 1, 2020​            2019
​  Fall 2022 - Summer 2023​       October 1, 2021​            2020

NEW BORROWERS 

To receive your Federal Direct Student Loan, you must first complete a Loan Agreement/Master Promissory Note (MPN), the legal document you must sign agreeing to pay back your loan, and complete loan counseling.

The U.S. Department of Education has created an online Loan Agreement/MPN for all NEW BORROWERS.  This online function speeds up processing and eliminates the need to mail paper MPNs.

If you believe you have already completed a Loan Agreement/MPN, please use the website to verify that you have a valid Agreement/MPN on file: https://studentaid.gov/ 

Your Federal Student Aid Identification (FSA ID) is required to complete the online Promissory Note. If you do not have an FSA ID, you can obtain one at https://studentaid.gov/

Please start the process to receive your Federal Direct Student Loan before July 15th. If you have any questions, please call CMU's Scholarship & Financial Aid Office at 989-774-3674.

Activate Student and/or Parent Loans 

​ATTENTION: Returning Central Michigan University students who have previously borrowed a Federal Direct Loan while attending CMU do NOT need to complete another Master Promissory Note or loan counseling.

Federal Direct Student Loan Disclosure Statements​

Students receiving a Federal Direct Loan will receive a Disclosure Statement from the Federal Loan Origination Center for each new loan. The disclosure statement will provide comprehensive information about the types of loans, loan amounts, the loan period, and anticipated disbursement dates. Save every Disclosure Statement for reference.

If you have decided not to accept the loans offered please send an email to financialaid@cmich.edu  Please be sure to include your full name and CMU ID number with your cancellation request.

Delegate Access

Students are cautioned never to share their CMU ID and password with anyone. Instead, they may grant parents, spouses, and others access by creating guest access for them. Delegates may be granted access to view tuition and fee charges, view payments received and view financial aid information. Students can add or remove a delegate by signing onto Central Link. Instructions for setting up Delegate Access can be found here. 

Why we ask for Social Security Numbers

While CMU does not require your Social Security Number for admission consideration, it is necessary for applicants who wish to be considered for financial aid and Hope Scholarship/Lifetime Learning tax credit to provide a Social Security Number to the university. To protect your privacy, your Social Security Number will not be used as your CMU student identification number.

Net Price Calculator​

Based on the information you provide, this calculator will estimate your total out of pocket expenses as well as provide you with resources to help finance your education. For the calculator - Click Here   ​ 


CMU Scholarship Policy  ​
  1. Recipients of CMU merit- and talent-based scholarships of a dollar value equal to or greater than $2,500 are required to reside on campus during their freshman and sophomore years unless they qualify as commuting students or for another exception to the Campus Residency Policy.
  2. Students may receive two renewable merit scholarships. Students who are selected for more than two renewable scholarships may choose the awards of highest value.
  3. Estimated scholarships (e.g., outside agency) do not reduce the amount of tuition payable on October 1 and February 1. Students must make arrangements to pay for the total amount of tuition due to avoid a $100 late tuition fee and a $30 service charge.
  4. CMU will limit institutional funds (e.g. need-based grants, merit scholarships, departmental scholarships, employee tuition waivers, Indian Tuition Grant Waiver, etc.) to the annual cost of attendance.

Office of Scholarships and Financial Aid Contact Information:

Phone: 989-774-3674

Fax: ​ 989-774-3634

​School Code: 002243

Email: FinancialAid@cmich.edu

Warriner Hall 202

Need to schedule an appointment with an advisor?  You can do so here:

https://outlook.office365.com/owa/calendar/CMU1@CentralMichigan.onmicrosoft.com/bookings/


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