Award Procedures

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Financial Award Procedures at Spelman College


  • The Financial Aid office will review the student files for accuracy and completeness.

    A complete file consists of the following:  a signed FAFSA or Electronic SAR, admittance to college as a regular student, and all other documents (tax return transcript, birth certificates, etc.) requested by the Financial Aid Office.

    Please be sure to complete the Verification Worksheet requested for your file. Access and complete ONLY the form you need for your file. You may upload requested documents to our Etrieve system only, hardcopies, email or faxes are not accepted. NOTE: All forms can be accessed and submitted to the Office of Financial Aid through the Etrieve Process. If you have questions, please contact the Office of Financial Aid.
  • Students who must submit additional information for corrections will be mailed an updated awarded letter.
  • Students whose files are accurate and complete will be sent an Award Letter explaining the types and amounts of aid they are eligible to receive, as well as directions concerning how the aid will be distributed.
  • All students must complete a FAFSA form in order to receive federal aid, including Federal Stafford Student Loan and or Federal PLUS loan. The FAFSA is not needed for Private Loans.
  • Loans are electronically transmitted to the lender; the "Master Promissory Note" (MPN) can be completed online. Please electronically complete and sign the MPN. The student and PLUS loan MPN must be completed at least once during the student's four year matriculation.
  • Students and/or parents obtaining loans from an outside lending agency must contact those agencies for applications, school certification forms, and promissory notes.
  • Loan funds are sent to the school, via Electronic Funds Transfer (EFT) to the student's account. The lender will not disburse any loan funds without a complete and signed MPN.
  • If additional scholarship funds come in after award/disbursement of funds, those awards may be adjusted (i.e. reduced or taken away) to prevent an over-award situation.
  • Award letters are printed in batch and mailed every week.

The Office of Financial Aid exists to assist students in finding ways to finance their college education.

Schedule an Appointment

Information on Loans and State Grant Assistance

Please see Federal Student Aid for additional information about student loans and other student aid programs including grant assistance from your state of legal residence.

There are two types of Federal Direct Stafford Student Loans:

The Federal Direct Subsidized Loan: The U.S. Department of Education pays the interest on the Subsidized Loan amount borrowed while you remain in school at least half-time and continues to be paid through the six month grace period after graduation or leaving higher education.  This loan is based on financial need. 

The Federal Direct Unsubsidized Loan: You are responsible for paying the interest on the Unsubsidized Loan from the time the loan is disbursed until it is fully repaid. You can pay the interest while in school or allow the interest to accrue.  Any accrued interest will be added to the principal balance of loan at the end of your loan grace, or deferment period (capitalized).

How Much Can I Borrow?

Contact Our Office

In order to provide the best customer service to students, we offer our services in a variety of virtual, online formats. Email is the best way to connect with our staff. Utilizing emails helps us better serve you, giving our staff an opportunity to research your question before responding. Contact your financial aid advisor.

Contact Your Financial Aid Advisor

Packard Hall, 1st Floor
350 Spelman Lane SW
PO Box 771
Atlanta, GA. 30314

Phone: 404.270.5222
Fax: 404.270.5220