Financial Information

Financial Aid

All requests for financial aid assistance should be directed to the University’s Office of Financial Planning. Financial aid awards are made following a determination of the applicant’s admission and eligibility. The Free Application for Federal Student Aid (FAFSA) is required for determination of eligibility. The FAFSA can be completed online at

Gardner-Webb University admits students of any race, color, nationality, and ethnic origin to all the rights, privileges, programs, and activities generally accorded or made available to students at the school. It does not discriminate on the basis of race, color, national, or ethnic origin in administration of its educational policies, admissions policies, scholarship and loan programs, athletics, or other school-administered programs.

A. Federal

NOTE: The FAFSA must be completed prior to each academic year to qualify for federal aid.

  1. PELL GRANTS: Grants available to students who have an exceptional need as indicated by their expected family contribution (EFC), which is determined from the results of the FAFSA. These grants range from $600 to $5,920 per year. Awards are prorated for students who are taking less than the full-time requirement of 12 hours per semester.
  2. FEDERAL DIRECT STAFFORD LOANS: Federal loans are available to students who are enrolled at least half-time (six hours or more). The maximum amount a student can borrow is $12,500 per year provided they have earned at least 60 hours. Repayment begins six months after a student drops below half-time status, withdraws, or graduates. The maximum repayment term is ten years.
    1. DIRECT SUBSIDIZED STAFFORD LOANS: The interest on subsidized loans is paid by the federal government while the student is enrolled half-time or more. Six months after the student graduates, leaves school, or falls below half-time status, interest begins to accrue. These loans are need-based.
    2. DIRECT UNSUBSIDIZED STAFFORD LOANS: Interest on unsubsidized loans begins to accrue at the time the loan is made. The student may begin payment of the interest at that time, or he/she may allow the interest to capitalize. These loans are available to all students who are enrolled half-time (six hours) or more. 

B. In-State

A list of state programs for eligible North Carolina residents (funding contingent upon state appropriations) is as follows.

The North Carolina Need-Based Scholarship Program (NBS) is a grant program created by the State legislature for students with an Expected Family Contribution (EFC) of $15,000 or less. The EFC is determined by the results of the Free Application for Federal Student Aid (FAFSA).

The Forgivable Education Loan for Service (FELS) was established by the North Carolina General Assembly in 2011. The loan provides financial assistance to qualified students who are committed to working in North Carolina in fields designated as critical employment shortage areas. Please visit for additional information including eligibility, award amounts, application procedures, and approved education programs.

North Carolina does offer other sources of financial aid based on specific criteria. The College Foundation of North Carolina’s website can be used to research and apply for such scholarships. The web address is as follows:

C. Degree Completion Out-of-State Grant

NOTE: The Degree Completion Out-of-State Grant is not need-based but does require completion of the FAFSA.

Those students who are not North Carolina residents are eligible for a grant worth $1,000 per year. The student must enroll full-time (12 hours or more) to receive this grant.

Follow these steps to apply for Financial Aid.

  1. Apply for admission to Gardner-Webb’s Online Undergraduate Degree Completion Program.
  2. Initiate the financial aid process by completing a Free Application for Federal Student Aid (FAFSA). Students are encouraged to complete this form as soon as their previous year’s tax forms are completed. (For example: The info from the 2018 federal tax forms is needed for the FAFSA for the 2019-2020 school year.) The FAFSA form is available on the web at

    NOTE: A new FAFSA must be submitted every year in order to be considered for federal financial aid. Be sure to indicate Gardner-Webb as one of the schools to receive any reports resulting from your financial aid application by recording our Title IV code of 002929 where requested.

  3. Any student planning to start the Online Undergraduate Program in the summer must complete the current year FAFSA form. For example, if you plan on starting with the summer of 2020, you must complete the 2019-2020 FAFSA.
  4. Once your FAFSA is completed, the results will be sent electronically to Gardner-Webb to determine your financial aid eligibility. An email notification and instructions to view and process your financial aid award will be sent to your Gardner-Webb e-mail address.
  5. Please check the Eligibility and Requirements section within your WebbConnect account to view all requested documentation and missing requirements. Any outstanding requirements must be satisfied to finalize your financial aid award.


Tuition for the 2020-2021 Academic Year

The Online Undergraduate Program for the 2020-21 academic year is $448 per credit hour, with the exception of the Accelerated Bachelor of Science in Nursing program which carries a $696 charge per credit hour. Tuition increases are usually implemented during the Summer term; however, the University reserves the right to adjust tuition and other charges at the beginning of any semester if such adjustments are necessary in the judgment of the Board of Trustees.

Students enrolled in the Online Undergraduate Program will be charged the specified Online Undergraduate Program tuition rate per credit hour regardless of the number of hours taken during the semester. Although some courses may be designated as both Online Undergraduate Program and Traditional Undergraduate Program courses, Online Undergraduate Program students will be charged the Online Undergraduate Program tuition rate.

Students are expected to review their Student Bill at the beginning of the semester and to make satisfactory financial arrangements no later than the end of the first full week of classes.

Most students are eligible to receive some form of federal or state financial assistance to offset tuition.

Common Miscellaneous Fees

Audit (per course) $225.00
Auto Registration (annual) $50.00
Credit by Exam (per credit hour) $150.00
Graduation Fee $150.00
Late Graduation Fee $130.00
Non-Sufficient Funds/Returned Check $25.00
Prior Learning Assessment Transcription (per course) $100.00
Online Learning Technology Fee (per course) $50.00
Replacement Student ID Card $10.00
Textbooks (estimated per semester) $750.00
Transcript Fee $15.00
Transient Credit (per course) $145.00
Tuition Late Payment Fee $60.00
Tuition Non-Payment Fee $110.00

The above fees are typical with enrollment in the Online Undergraduate Program. Fees are subject to change and additional fees may be assessed as required under certain policies. Unless otherwise explicitly stated, fees paid to the University are not refundable.

Miscellaneous Academic Fees

Depending on the program of study and courses taken, students should expect to see course-specific fees ranging from $10 to $400. Multiple fees may apply to individual courses. Fees are used to cover direct expenditures associated with a course requirement (e.g., laboratory materials, database licenses, background checks, etc.) as well as indirect expenses associated with a particular class.

Book Expenses

The estimated cost of textbooks is $750 per semester but can vary greatly depending on the number of classes taken and the course of study.

Online Learning Technology Fees

All online and hybrid courses will be assessed a fee of $50 per course. Funds generated from this fee are used to help support services that Gardner-Webb provides to students. Services include student computing and technology equipment, software, site assistance and troubleshooting, and the support staff necessary for these functions to operate effectively. This fee is non-refundable in the event a student withdraws from the course.

Schedule of Payment