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Eligibility
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Overview

Federal Aid are only awarded to students registering for the following degree of study

  • Undergraduate degree except MBChB
  • Honours degree
  • Masters degree
  • PhD

Degrees of study that are NOT awarded Federal Aid

  • MBChB
  • Nursing programmes
  • All other medical degrees programmes
  • Diploma and Certificate programmes
  • Occasional non-degree programmes

The amount you are eligible for is determined by your:

  1. Cost of Attendance (COA)
  2. Minus any bursary, sponsorship or any other financial aid, including a FISB (faculty international student bursary)
  3. Your effective family contribution (EFC)
  4. Plus loan & private loan up to your COA (with a clear credit record)

Research work / dissertation

Students are not eligible to receive federal aid when studying, conducting research or writing up the dissertation in the U.S.

Exception: Independent research during a Doctorate degree programme can be conducted in a facility in USA strictly only under the guidance of UCT and for only one academic period.

Direct Loan Interest Rates

https://studentaid.ed.gov/sa/types/loans/interest-rates

Program limits per academic period

Dependant UG Subsidized Combined Subsidized & Unsubsidized
First Year $3,500 $5,500
Second Year $4,500 $6,500
Third year and beyond $5,500 $7,500
Independent UG & dependant UG who's parent cannot get a Plus loan Subsidized Combined Subsidized & Unsubsidized
First Year $3,500 $9,500
Second Year $4,500 $10,500
Third year and beyond $5,500 $12,500
Postgraduate Subsidized Total Unsubsidized
Graduate & Professional students $0 $20,500

Aggregate limits

  Subsidized Combined Subsidized & Unsubsidized
Dependant UG $23,000 $31,000
Independent UG $23,000 $57,500
Graduate/Professional $65,500 $138,500

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