Undergraduate Award Types & Requirements

Award Types

There are four types of financial aid that students may be offered: merit scholarships, grants, federal work study and loans. When creating the award package students are automatically considered for all types of aid.

Merit scholarships are not based on need. Admissions determines whether a student is eligible for a merit scholarship based on the student's academic performance (for example, GPA).

Grants are considered gift aid. The amount of gift aid a student can receive depends on her/his financial need and enrollment status as well as a variety of other factors. If a student is eligible for gift aid, it will be included as part of their financial aid award package.

Federal work study is a form of need-based, self-help aid. The award is not credited to the student account. The student applies for an on-campus job and earns the award based on the number of hours s/he works for her/his Federal Work Study Employer.

Loans are considered self-help aid. Students who accept loans must agree to the repayment and enrollment status terms specified for the loan.

Students are automatically considered for all types of financial aid. Student Financial Services will determine what aid students are eligible for and award accordingly. Regardless of the type of financial aid included in the award package, the total amount of financial aid cannot exceed the student's Cost of Attendance. Any outside resources (ex: outside scholarships, employer tuition reimbursement, and private/alternative educational loans) that a student receives must be included in the financial aid calculation.


Award Requirements

Concordia University Texas Merit scholarship recipients must:

  • be a full-time student (12 or more hours each semester) to receive payment
  • complete 28 Concordia University Texas credit hours each year for renewal (evaluated in May of each year)
  • meet required GPA each year for renewal

Freshman Students Entering Fall 2018

Merit Scholarship Name
Required Cumulative GPA for Renewal
President's Scholarship 3.5 GPA
Excellence Scholarship 3.25 GPA
Leadership Scholarship 3.25 GPA
Luther Scholarship 3.0 GPA
Walther Scholarship 2.0 GPA
Kilian Award 2.0 GPA
Lutheran Servant Leadership 3.0 GPA

Transfer Students Entering Fall 2018

Merit Scholarship Name 
Required Cumulative GPA for Renewal
Prestige Scholarship 3.25 GPA
Distinguished Transfer Scholarship 3.0 GPA
Achievement Scholarship 2.0 GPA
Distinction Award 2.0 GPA

Transfer hours and/or GPA are not used to satisfy renewal requirements.

Length of awards:

  • Merit scholarships are limited to eight consecutive semesters (excluding summers) or receipt of undergraduate degree, whichever occurs first.


Please note that scholarship amounts may vary and are based on the award given at the time of initial enrollment.


Pell Grant

Up to $6,195 per year

Students must meet all of the following requirements:

  • must not already have a degree
  • be enrolled in at least 3 hours
  • fall below a certain estimated family contribution (EFC) from the FAFSA


Texas Tuition Equalization Grant (TEG)

Up to $3,420 per year

Limited funding

Students must meet all of the following requirements:

  • be a Texas resident
  • have lived in Texas the past 12 months
  • be eligible for need-based aid
  • fall below a certain adjusted gross income
  • meet other eligibility requirements for renewal

    Refer to the Texas Higher Education Coordinating Boards website for additional details.



Up to $4,000 per year

$16,000 aggregate limit

Students must meet all of the following requirements:

  • be a junior or senior accepted into the College of Education
  • have a minimum 3.25 undergraduate GPA
  • agree to teach in a low-income school in a high-need field for four years after the student completes her/his graduate program (previous teaching experience will not be considered)
  • complete the TEACH counseling and Agreement to Serve (ATS)

Special note: If a student fails to meet or maintain all eligibility requirements for the TEACH Grant, the Department of Education will convert the TEACH Grant to a direct unsubsidized loan and will calculate the interest based on the date the TEACH Grant was disbursed to the student.


Federal Direct Loans

Dependent students:

Number of Hours to Date

Yearly Loan Limit

0 to 29 hours


30 to 59 hours


60+ hours


$31,000 aggregate limit, no more than $23,000 of this may be Subsidized*

*Independent students may be eligible for additional loan money.

Loans cannot exceed COA.

The Federal Direct Subsidized Loan

The direct subsidized loan is a need-based loan. Interest does not accrue while the student is enrolled at least half-time. However, it does accrue during their six-month grace period and once the student enters repayment. The interest rate is 4.53% and the lender is the Department of Education.

The Federal Direct Unsubsidized Loan

The direct unsubsidized loan is not a need-based loan. Interest does accrue while students are enrolled, during the six-month grace period and during repayment. The interest rate is 4.53% and the lender is the Department of Education.

Federal Direct Subsidized/Unsubsidized Loan Award Requirements

  • be a U.S. citizen or permanent resident
  • if the student is male, he must be registered with the Selective Service
  • must not be in default on a federal student loan
  • must not owe an overpayment for a federal grant
  • must not have reached or exceeded the annual or aggregate loan limits
  • be enrolled at half-time status
  • complete Loan Entrance Counseling and the Master Promissory Note (PDF)
  • complete Loan Exit Counseling (PDF) if student graduates, leaves college or drops below half-time enrollment

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Other Options

Federal Direct Parent Loan for Undergraduate Students ( Federal Direct PLUS Loan)

If a dependent student's financial aid award does not cover all of her/his educational expenses, the parent may apply for a PLUS loan. Eligibility for a PLUS Loan is based on the parent's credit score and along with several other factors.

Upon approval, parents may borrow enough to compensate for cost of attendance expenses not covered by other financial aid awards.

If the PLUS Loan is denied due to adverse credit, the parent may be able to receive alternative loans through an endorser. Otherwise, the student may be eligible for additional direct unsubsidized loans.

Students may not receive financial aid amounts exceeding COA, no matter what type of award is accepted.

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