Processing your Aid

All graduate students are sent financial aid offer letters via email. The financial aid offer will include all eligible financial aid awards, as long as funds are available. State aid programs are awarded on a first-come, first-served basis and funding is limited.

Once you have received your financial aid offer, follow these steps to begin accepting your aid:
  1. Carefully read the financial aid offer before accepting or rejecting the aid you have been offered.
  2. Review the estimated Cost of Attendance to help you plan how much aid you will need.
  3. Review Types of Aid and Maintaining Eligibility to understand other factors that may affect your financial aid.
  4. To process your aid go to the Howdy portal and login using your Texas A&M Net ID.  Access the Financial Aid Portal on the My Finances tab. Select "Awards" and click on "Begin Processing" to accept, reduce, or decline the aid you have been offered.
All financial aid funds (except work-study) are paid directly to your student bill. If your financial aid is more than your bill, the remaining money will be sent as a refund by Student Business Services (SBS). You will receive this refund in your bank account by setting up direct deposit. Please find information regarding steps to view a refund, timing of refunds, and how to receive your refund on Student Business Services' Refunds webpage. If the refund is from a Parent PLUS Loan, your parent can choose to have the money sent to them as a paper check or via direct deposit into your bank account.

Financial aid applies to your student bill 10 days before the first day of class, and if your financial aid is more than your bill it takes 3-5 days for you to see the refund in your back account. Refunds can be used to pay for costs related to going to school, such as books, school supplies, personal expenses, housing, and meals.
These dates represent the first day disbursements can be made for each semester. Aid is disbursed no sooner than ten days prior to the first day of class each semester, provided you have completed all eligibility requirements. If your aid is not disbursed, please logon to the Howdy Portal, click on the My Finances tab and enter the Financial Aid Portal. Check your Status page for any missing requirements.

Graduates - College Station and Galveston

Summer 2022

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All Summer (5/31/2022 - 8/11/2022)
Disbursement 5/21/2022
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Summer I Only
Disbursement 5/21/2022
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Summer II Only 
Disbursement 6/27/2022


Fall 2022 - Spring 2023

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All Year (08/24/2022 - 05/09/2023)
1st Disbursement 08/14/2022
2nd Disbursement 01/07/2023
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Fall Only (08/24/2022 - 12/14/2022)
Disbursement 08/14/2022
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Spring Only (1/17/2023 - 05/09/2023)
Disbursement 01/07/2023

Master of Business Administration (MBA)

MBA 1st Year Fall 2022 - Spring 2023

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All Year (07/25/2022 - 05/09/2023)
1st Disbursement 07/15/2022
2nd Disbursement 01/02/2023
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Fall Only (07/25/2022 - 12/14/2022)
Disbursement 07/15/2022
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Spring Only (01/03/2023 - 05/09/2023)
Disbursement 01/02/2023

MBA 2nd Year Fall 2022

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Fall Only (08/24/2022 - 12/14/2022)
Disbursement 08/14/2022

Executive Master of Business Administration (EMBA)

EMBA 1st Year Fall 2022 - Spring 2023

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All Year (08/12/2022 - 05/20/2023)
1st Disbursement 08/02/2022
2nd Disbursement 01/03/2023

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Fall Only (08/12/2022 - 12/17/2022)
Disbursement 08/02/2022

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Spring Only (01/13/2023 - 05/20/2023)
Disbursement 01/03/2023

EMBA 2nd Year Fall 2022 - Spring 2023

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All Year (08/12/2022 - 05/06/2023)
1st Disbursement 08/02/2022
2nd Disbursement 01/03/2023

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Fall Only (08/12/2022 - 12/17/2022)
Disbursement 08/02/2022

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Spring Only (01/06/2023 - 05/06/2023)
Disbursement 01/02/2023

Professional Master of Business Administration (PMBA)

PMBA 1st Year Summer 2022

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Summer (05/13/2022 - 07/16/2022)
Disbursement 05/03/2022


PMBA 1st Year Fall 2022 - Spring 2023

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All Year (08/02/2022 - 05/09/2023)
1st Disbursement 07/23/2022
2nd Disbursement 01/02/2023

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Fall Only (08/02/2022 - 12/13/2022)
Disbursement 07/23/2022

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Spring Only (01/03/2023 - 05/09/2023)
Disbursement 01/02/2023


PMBA 2nd Year Fall 2022 - Spring 2023

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All Year (08/16/2022 - 05/02/2023)
1st Disbursement 08/06/2022
2nd Disbursement 01/02/2023

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Fall Only(08/16/2022 - 12/13/2022)
Disbursement 08/06/2022

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Spring Only (01/03/2023 - 05/02/2023)
Disbursement 01/02/2023

College of Dentistry Graduate and Advanced Dental Certificate Programs

Summer 2022

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Summer II Only (06/27/2022 - 08/05/2022)
Disbursement 06/17/2022


Fall 2022 – Spring 2023

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All Year (08/15/2022 - 05/19/2023)
1st Disbursement 08/05/2022
2nd Disbursement 01/02/2022
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Fall Only (08/15/2022 - 12/16/2022)
Disbursement 08/05/2022
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Spring Only (01/09/2023 - 05/19/2023)
Disbursement 01/02/2023

Graduates - Fort Worth Law

Summer 2022

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Summer (05/23/2022 - 07/10/2022)
Disbursement 05/13/2022


Fall 2022 – Spring 2023

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All Year (08/15/2022 - 05/04/2023)
1st Disbursement 08/05/2022
2nd Disbursement 01/07/2023
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Fall Only (08/15/2022 - 12/09/2022)
Disbursement 08/05/2022
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Spring Only (01/17/2023 - 05/04/2023)
Disbursement 01/07/2023

Graduates - San Antonio Law and Distance Education Law

Summer 2022

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Summer (05/23/2022 - 07/17/2022)
Disbursement 05/13/2022


Fall 2022 – Spring 2023

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All Year (08/22/2022 - 04/30/2023)
1st Disbursement 08/12/2022
2nd Disbursement 01/07/2023
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Fall Only (8/22/2022 - 12/04/2022)
Disbursement 08/12/2022
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Spring Only (01/17/2023 – 04/30/2023)
Disbursement 01/07/2023

Reminder: You must be enrolled at least half time to be eligible for the majority of aid programs. Always check your billing statement to see if your financial aid has applied to your student billing account.
A loan is financial assistance that enables students and parents to borrow money from the federal government, state government or private lenders. These loans must be repaid. Each student receiving a Subsidized or Unsubsidized Direct Loan at Texas A&M University must complete the following steps. These steps may be completed on the Federal Student Aid website.

Master Promissory Note

Borrowers are responsible for signing a Master Promissory Note (MPN) for each loan program. When signed, the MPN is a binding, legal document through which the borrower agrees to repay the loan. The MPN should be read carefully and a copy retained for the borrower’s records. Direct Loan MPNs must be completed online by the borrower on the Federal Student Aid website.

Entrance Counseling

Please visit the Howdy Portal. Then click the My Finances tab and enter the Financial Aid Portal. Select the current academic year. Once you have accepted a Direct Loan there will be a link for Loan Entrance Counseling under the Status page. Follow the instructions to complete Loan Entrance Counseling on the Federal Student Aid website.

Exit Counseling

Upon withdrawing, graduating, dropping below half-time, or simply not returning, you will be sent information regarding Loan Exit Counseling if you have received any of the following:
  • Federal Direct Loans (Subsidized or Unsubsidized)
  • Federal Direct Graduate PLUS Loans
If you have received the Federal TEACH Grant, you will be sent Exit Counseling information if you withdraw, graduate, or change into an ineligible TEACH Grant major. 

Online exit counseling for Federal Loans and the TEACH Grant can be completed on the Federal Student Aid website.

What is the Annual Student Loan Acknowledgement (ASLA)?

The ASLA was created by the U.S. Department of Education to help federal student and parent loan borrowers understand how loans affect their financial future. 

What will I gain from the ASLA?

  • A review of total federal student loan debt
  • An estimate of your monthly repayment amount
  • An explanation of student loan limits

After submitting the ASLA, you will be able to:

  • Explore repayment plans
  • Learn loan terms
  • View estimated earnings after graduation based on the College Scorecard

Where do I go to complete the ASLA?

The ASLA is available on the Federal Student Aid website ASLA page.  The ASLA takes about 10 minutes to complete, and you will need your FSA ID to log in and get started.