{"id":368,"date":"2022-04-08T10:20:24","date_gmt":"2022-04-08T15:20:24","guid":{"rendered":"https:\/\/uwm.edu\/cie\/?page_id=368"},"modified":"2026-04-15T16:19:23","modified_gmt":"2026-04-15T21:19:23","slug":"financial-planning","status":"publish","type":"page","link":"https:\/\/uwm.edu\/cie\/study-abroad\/financial-planning\/","title":{"rendered":"Financial Planning"},"content":{"rendered":"\n<div class=\"uwm-l-row\">\n<div class=\"uwm-l-col\">\n<h2 class=\"wp-block-heading\" id=\"financial-aid\">Financial Aid<\/h2>\n\n\n\n<p><strong>Financial aid CAN be used to study abroad!<\/strong><\/p>\n\n\n\n<p>Most federal, state and campus-based aid can be applied to the costs of studying on any study abroad program, much the same as if you were still on campus. Financial aid is available to help students who need assistance covering the expenses of study abroad programs.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All students are eligible to apply for financial aid using the <a class=\"uwm-c-link--external\" href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Free Application for Student Aid (FAFSA) application<\/strong><\/a>. For maximum consideration, it is recommended that you file your FAFSA application (or renewal for continuing applicants) to the Federal Processor by the priority application filing dates listed on the <a class=\"uwm-c-link--external\" href=\"https:\/\/uwm.edu\/onestop\/finances\/receiving-financial-aid\/complete-your-fafsa\/\" target=\"_blank\" rel=\"noreferrer noopener\">Financial Aid Office website<\/a>.<\/li>\n\n\n\n<li>You may use <strong>loans, grants and scholarships<\/strong> toward your study abroad costs. If you have never applied or received financial aid before, you are strongly encouraged to contact financial aid via FinAid-SA@uwm.edu\n<ul class=\"wp-block-list\">\n<li>Financial aid, including loans, scholarships and grants, is distributed no sooner than&nbsp;ten days&nbsp;before any given term. Study abroad program fees may not align with aid disbursement. Please plan accordingly.&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>CIE shares all study abroad program budgets with the Financial Aid Office in order to provide them with that <strong>Cost of Attendance<\/strong>, which allows them to include the billable (PAWS fees) estimates as well as the non-billable (additional expenses) estimates when determining your financial aid award.\n<ul class=\"wp-block-list\">\n<li>Students participating in non-51ÁÔÆæ-sponsored programs that wish to use their aid must meet with their study abroad coordinator to discuss an individualized budget for their chosen program. Often a \u201cconsortium agreement\u201d with the sponsoring institution will be needed.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Tuition waivers may only be applied to 51ÁÔÆæ exchange programs.\n<ul class=\"wp-block-list\">\n<li>For&nbsp;military education&nbsp;benefits&nbsp;information, please contact Jim Schmidt&nbsp;(<a href=\"mailto:jds99@uwm.edu\">jds99@uwm.edu<\/a>)&nbsp;in&nbsp;the Financial Aid Office.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"financing-sessions\">Financing Study Abroad 101 Sessions<\/h2>\n\n\n\n<p>One of the best ways to learn more about cost and funding for study abroad is to attend a Financing Study Abroad 101 info session. Sessions are held once per month, and twice per week in September and February. They are co-led by the Center for International Education (CIE) and the Student Financial Services Center. They will show and discuss examples of study abroad budgets and explain the costs and ways in which you can use your financial aid to study abroad. In addition, they will also provide guidance on obtaining potential scholarships and funding from other sources. Information on dates, times and locations of these and many other sessions can be found on our <a href=\"https:\/\/uwm.edu\/cie\/events\/\">CIE events page<\/a>.<\/p>\n\n\n\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Financing Study Abroad 101 Information Session\" width=\"1400\" height=\"788\" src=\"https:\/\/www.youtube.com\/embed\/SveAvjEoGqM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"costs\">Costs of Programs<\/h2>\n\n\n\n<p>Students on&nbsp;<a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/start-here\/program-types\/\">exchange programs<\/a>&nbsp;will be charged regular 51ÁÔÆæ tuition (without segregated fees) based on residency and graduate or undergraduate student status, in addition to the CIE study abroad administrative fees and&nbsp;international&nbsp;health insurance. All other costs are paid abroad.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Students on all&nbsp;other types of study abroad programs&nbsp;(<a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/start-here\/program-types\/\">faculty-led, non-exchange\/affiliate<\/a>)&nbsp;will&nbsp;be charged a comprehensive fee in lieu of tuition, which may or may not include housing, airfare, excursions, some food, etc., in addition to study abroad administrative fees and&nbsp;international&nbsp;health insurance. The only exception to this is for students on summer study abroad who may have a combination of on-campus (tuition-based) classes and study abroad.&nbsp;<\/p>\n\n\n\n<p>Students attending&nbsp;<a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/start-here\/program-types\/\">non-51ÁÔÆæ programs<\/a>&nbsp;will pay&nbsp;the majority of&nbsp;fees directly to their affiliate\/provider\/host university. They are still required to pay associated administrative and&nbsp;international&nbsp;health insurance fees to 51ÁÔÆæ.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Consult&nbsp;your&nbsp;program\u2019s budget sheet online or contact a&nbsp;study&nbsp;abroad&nbsp;coordinator&nbsp;for more information on charges.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"budget-considerations\">Budget Considerations<\/h2>\n\n\n\n<p>Each study abroad program has its own unique budget. Each budget is created or updated for each term in order to offer the most accurate estimates possible. Budgets can be found by clicking either the term hyperlink (i.e.: Fall, Spring, Academic Year, Summer or UWinteriM) next to \u201cCost Information\u201d or clicking the \u201cProgram Costs\u201d tab in each program\u2019s page.<\/p>\n\n\n\n<p class=\"uwm-c-link--external\">Before looking at your program\u2019s budget, think about your typical expenses during a semester or year at 51ÁÔÆæ. This will provide you with a good baseline to use when you are looking at expenses in a study abroad program\u2019s budget. The Financial Aid Office\u2019s <a href=\"https:\/\/uwm.edu\/onestop\/finances\/cost-of-attendance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Cost of Attendance website<\/a> provides an estimate of the cost of attendance at 51ÁÔÆæ, which includes many of the same items your study abroad budget will.<\/p>\n\n\n\n<p>You can use the estimated amounts as a guide, but also consider your individual spending habits. Be realistic. For example, any dietary restrictions or preferences may affect the amount you spend on food and should be taken into consideration.<\/p>\n\n\n\n<p>There are a few distinct differences in study abroad budgets based on the type of program you participate in as described below.<\/p>\n\n\n\n<p class=\"uwm-c-link--external\">Each study abroad budget will list billable items \u2013 items for which CIE will bill you on your <a href=\"https:\/\/uwm.edu\/paws\" target=\"_blank\" rel=\"noreferrer noopener\">51ÁÔÆæ PAWS<\/a> (Panther Access to Web Services) account \u2013 and non-billable items \u2013 items for which you will not be billed, but that you will want to consider when you are thinking about the cost of studying abroad. While we will offer as much support as we can to assist you with planning and securing those non-billable items, we will not formally bill you for them as you will be responsible for paying for them directly (i.e.: your passport, transportation, food etc.).<\/p>\n\n\n\n<p>Do keep in mind that your Cost of Attendance, as considered by the 51ÁÔÆæ Financial Aid Office when determining your award for the term that you are abroad, is comprised of the total cost of both billable and non-billable items. In every budget, the billable items will contain the standard fees, which include 51ÁÔÆæ administrative fees and mandatory 51ÁÔÆæ international health insurance.<\/p>\n<\/div>\n\n\n\n<div class=\"uwm-l-col uwm-l-col--4 uwm-l-offset--1\"><div class=\"content_block\" id=\"custom_post_widget-2588\">\n<div class=\"uwm-l-buttons--full\">\n<a class=\"uwm-c-button uwm-c-button--full uwm-u-mb-20\" href=\"https:\/\/uwm.edu\/cie\/study-abroad\/contact\/\" rel=\"\">Contact Study Abroad<\/a>\n<\/div>\n<\/div>\n\n\n<div class=\"uwm-block-otp-nav \"><\/div>\n\n<div class=\"content_block\" id=\"custom_post_widget-2698\"><nav aria-label=\"Sidebar\" class=\"uwm-p-navigation-list uwm-p-navigation-list--gold-border \"><div class=\"uwm-p-navigation-list--title\"><a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/\">Study Abroad<\/a><\/div><ul><li><a href=\"https:\/\/uwmilwaukee.studioabroad.com\/index.cfm?FuseAction=Programs.ProgramDiscovery\">Locations<\/a><\/li><li><a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/start-here\/\">Getting Started<\/a><\/li><li><a href=\"https:\/\/uwmilwaukee.studioabroad.com\/index.cfm?FuseAction=Abroad.Home\">Study Abroad Program Portal<\/a><\/li><li><a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/academic-credit\/\">Academic Credit<\/a><\/li><li><a class=\"current\" href=\"https:\/\/uwm.edu\/cie\/study-abroad\/financial-planning\/\"><span aria-current=\"page\">Financial Planning<\/span><\/a><ul><li><a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/financial-planning\/funding-ideas\/\">Funding Ideas<\/a><\/li><li><a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/financial-planning\/scholarships\/\">Scholarships &amp; Grants<\/a><\/li><li><a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/financial-planning\/faqs\/\">Financial FAQs<\/a><\/li><\/ul><\/li><li><a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/travel-logistics\/\">Travel Logistics<\/a><\/li><li><a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/culture-identity\/\">Culture &amp; Identity<\/a><\/li><li><a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/health-safety\/\">Health &amp; Safety<\/a><\/li><li><a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/parents-and-family\/\">Parents &amp; Family Members<\/a><\/li><li><a href=\"https:\/\/uwm.edu\/cie\/study-abroad\/contact\/\">Contact<\/a><\/li><\/ul><\/nav><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1287,"featured_media":2388,"parent":49,"menu_order":31,"comment_status":"closed","ping_status":"closed","template":"templates\/centered.php","meta":{"footnotes":"","uwm_wg_additional_authors":[9590]},"class_list":["post-368","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - 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