Students can view their most current financial aid application and award information on the Web through BIONIC at By using their Bryn Mawr College user ID and password, students can access the Student Center and their Financial Aid “To Do List” to check their awards.

  • Students may accept or decline their grants online.
  • Students may accept, decline, or reduce their loans online.
  • Federal Work Study awards are not credited to student accounts and cannot be accepted online.
  • To decline a work study award, a student must send written notice to the Office of Financial Aid or an e-mail to

Assuming a student remains eligible for financial assistance and her academic work satisfies at least the minimum standards, she may receive aid in her remaining years at Bryn Mawr. Awards are not automatically renewed; a student must reapply each year as the financial aid award must reflect any change in family circumstance.

The most significant changes in a financial aid award occur when:

  • student or parent income has increased or decreased
  • family size has changed from one year to the next
  • change occurs in the number of children in the family who are attending college 
  • self-help expectations (the amount earned through campus employment and the amount of federal loan expected) increase each year.

Bryn Mawr grants are awarded for a maximum of eight semesters.

A student’s eligibility for need-based aid is the difference between the total cost of education and the expected family contribution.

Cost of Education—Expected Family Contribution (EFC) = Need

Upon receipt of the award letter or email notification, the student must log onto BiONiC to accept, reduce or decline her Federal Direct Loan.

Under certain conditions, federal regulations allow students to defer loan repayment. The most common deferments are for enrollment on at least a half-time basis, unemployment, and economic hardship. An active duty military deferment is available for loans first disbursed on or after July 1, 2001. Complete information about loan deferments will be provided during the entrance and exit interview processes. Additional information can be found online at

All first-time Direct Loan borrowers at Bryn Mawr must complete loan entrance counseling to review their rights and responsibilities. The student may satisfy this obligation online at Entrance loan counseling is also available by appointment in the Office of Financial Aid.

All borrowers must complete exit counseling prior to graduating or within forty-five days of dropping enrollment below half-time. The student may satisfy this obligation online at Exit loan counseling is also available by appointment at the Office of Financial Aid.

The Federal Student Aid Ombudsman was created by the Department of Education to help resolve disputes and solve other problems with federal student loans.

The Ombudsman’s  Service Line is 1-877-557-2575. Fax number: 1-202-275-0549.

You may also write to:

U.S. Department of Education
FSA Ombudsman
830 First Street, NE Fourth Floor
Washington, DC 20202-5144

Students should take into consideration that a loan origination fee will be deducted from the loan disbursement each semester. This means that the net amount of loan funds credited to the student’s account will differ from the gross amount that was listed on the student’s award letter.

All Federal Direct Loan first-time borrowers must sign a Master Promissory Note (MPN). The MPN is a multi-year promissory note good for ten years from the date the first loan is disbursed. Borrowers may complete an electronic MPN (eMPN) at The eMPN speeds up the processing of the loan.

Loan repayment begins six months after the student ceases to be enrolled on at least a half-time basis. The repayment term ranges from 10 to 25 years depending on the amount borrowed and the repayment plan chosen. The minimum monthly payment is $50. If the student borrows a smaller amount, she will have shorter repayment terms. If the student borrows a larger amount, she may wish to consolidate her loan to extend the repayment term. There are additional requirements for each repayment plan. You can read more about each of the plans, including the new “Pay as You Earn Repayment Plan.”  The student should review her options at: You can use their online calculators to estimate your monthly payment under each repayment plan.

The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s central database for student financial aid records. The secure NSLDS web site,, allows you to track and manage your federal grants and student loans from when they are approved until you pay them off. Using your federal PIN (the one you use when completing your FAFSA), you can access this web site 24 hours a day. Please note that loan information at NSLDS is accessible to authorized users at schools and to lender and guaranty agencies.

Bryn Mawr College believes that the student has the primary responsibility for financing the cost of education. Financial aid is intended to supplement the resources of the family to meet the expenses of a Bryn Mawr education and is administered on the basis of demonstrated eligibility.

Drug Convictions and the FAFSA

Students who are currently enrolled and are completing the FAFSA will encounter the question: "Have you been convicted for the possession or sale of illegal drugs for an offense that occurred while you were receiving federal student aid?"

Students who answer "Yes" will be asked an additional series of questions to determine if the conviction affects their eligibility for federal student aid.

Students convicted of a federal or state offense of selling or possessing illegal drugs that occurred while they were receiving federal student aid are advised to still complete and submit the FAFSA to determine if they will be eligible for any type of aid.

Students who leave question 23 blank cannot receive federal financial aid until they respond by making a correction to their FAFSA.

A student who has been convicted of possession or sale of illegal drugs loses Title IV eligibility for a period of time specified in law.

The period of ineligibility depends on whether the conviction was for possession or sale of (including conspiring to sell) illegal drugs.

For convictions involving possession, the periods of ineligibility are as follows:

  • One conviction: one year after the date of conviction.
  • Two convictions: two years after the date of the second conviction.
  • Three or more convictions: indefinite from the date of the third conviction

For convictions involving sale, the periods of ineligibility are as follows:

  • One conviction: two years after the date of conviction.
  • Two or more convictions: indefinite from the date of the second conviction.
  • A federal or state drug conviction can disqualify a student for federal financial aid.

Convictions only count if they were for an offense that occurred during a period of enrollment for which the student was receiving Title IV aid—they do not count if the offense was not during such a period. Also, a conviction that was reversed, set aside, or removed from the student’s record does not count, nor does one received when the student was a juvenile, unless the student was tried as an adult.

Regaining Eligibility
A student regains eligibility the day after the period of ineligibility ends or when the student successfully completes a qualified drug rehabilitation program. Further drug convictions will make the student ineligible again. A student whose Title IV eligibility has been suspended indefinitely may regain eligibility only by successfully completing a drug rehabilitation program. A student who is under a one- or two-year penalty may regain eligibility before the expiration of the period of ineligibility by successfully completing a drug rehabilitation program. If the student successfully completes an approved drug rehabilitation program, eligibility is regained on the date the student successfully completes the program. It is the student’s responsibility to certify to the school that he/ she has successfully completed the rehabilitation program.

To qualify the student for eligibility, the drug rehabilitation program must include at least two unannounced drug tests, and:

  • have received or be qualified to receive funds directly or indirectly under a Federal, State, or local government program; or
  • be administered or recognized by a Federal, State, or local government agency or court; or
  • have received or be qualified to receive payment directly or indirectly from a Federally- or State-licensed insurance company; or
  • be administered or recognized by a Federally- or State-licensed hospital, health clinic or medical doctor.

Bryn Mawr College is firmly committed to a policy of equal opportunity for all members of its faculty, staff and student body. Bryn Mawr College does not discriminate on the basis of race, color, religion, national or ethnic origin, sexual orientation, age or disability in the administration of its educational policies, scholarship and loan programs, and athletic and other College administered programs, or in its employment practices.

In conformity with the Civil Rights Act of 1964, as amended, and Title IX of the Education Amendments of 1972, it is also the policy of Bryn Mawr College not to discriminate on the basis of sex in its educational programs, activities or employment practices. The admission of only women in the Undergraduate College is in conformity with a provision of the Civil Rights Act. The provision of Title IX protects students and employees from all forms of illegal sex discrimination, which includes sexual harassment and sexual violence, in College programs and activities.

Inquiries regarding compliance with this legislation and other policies regarding nondiscrimination may be directed to the Equal Opportunity Officer ( or the Title IX Coordinator (, who administer the College’s procedures.

Financial Aid Code of Conduct:

  • The College will not participate in any revenue-sharing arrangement with any lender.
  • Officers, employees or agents of the College who are employed in the Office of FInancial Aid or who otherwise have responsibilities with respect to education loans will not solicit or accept any gift (other than those of de minimus value) from any lender, guarantor or servicer of educational loans.
  • Officers, employees or agents of the College who are employed in the Office of Financial Aid or who otherwise have responsibilities with respect to education loans will not accept any fee, payment or other financial benefit (including the opportunity to purchase stock) from any lender or affiliate of any lender as compensation for any type of consulting arrangement or other contract to provide services to a lender or on behalf of a lender relating to education loans.
  • The College will only assign a first-time borrower’s federal loan to the Federal Government as the lender. The College will be the lender for all Perkins Loans and International Student Loans.
  • The College will not assign a student’s private loan to a particular lender, or refuse to certify or otherwise deny or delay certification of any private loan based on the borrower’s selection of a particular lender or guarantor.
  • The College will not request or accept from any lender any offer of funds for private education loans to students, including funds for an opportunity loan pool, in exchange for the College providing the lender with a specified number or volume of Title IV loans or a preferred lender arrangement with respect to such loans.
  • The College will not request or accept from any lender any assistance with call center or Office of Financial Aid staffing.
  • Officers, employees or agents of the College who are employed in the Office of Financial Aid or who otherwise have responsibilities with respect to education loans, and who serve on any advisory board, commission or group established by any lender, guarantor, or group of lenders or guarantors, will not accept anything of value from the lender, guarantor, or group of lenders or guarantors, except for reasonable reimbursement of expenses incurred in serving on such an advisory board, commission or group.

Student Rights and Responsibilities

Students have the right to know:

  • Office of Financial Aid location, hours and counseling procedures.
  • The financial aid programs available at Bryn Mawr College.
  • The application procedures and deadlines.
  • The criteria for selecting financial aid recipients.
  • The criteria for determining need.
  • The method for determining the amounts and types of awards.
  • The costs that were considered in determining eligibility for aid.
  • The method and timing of financial aid payments.
  • The basis for determining satisfactory academic progress to continue receiving financial aid and what happens when progress
    is not made.
  • The portion of aid that must be repaid, the portion that is grant, and the portion that must be earned through employment.
  • If offered a Federal Work Study award, the nature of the job, the required number of work hours, job duties, the pay, and the method and timing of payments.
  • Financial aid applications are confidential. Information concerning financial aid applicants will be released only to agencies that require
    the information for scholarship considerations and only when authorized by the student.

Students are responsible for:

  • Completing all application forms accurately and submitting them on time to the appropriate place.
  • Providing all documentation, verification, corrections and/or other scholarship information requested by the Office of Financial Aid or other scholarship agencies.
  • Reporting enrollment changes to the Office of Financial Aid.
  • Reading and understanding all forms that are distributed and retain copies.
  • Performing the work that is agreed upon if a work-study position is offered and accepted.
  • Reporting name and address changes directly to the Registrar and lenders of all educational loans received.
  • When filing U.S. taxes, include as taxable income all grant aid that exceeds the cost of tuition, fees, books and supplies.

The COA is an estimate of your education expenses for one academic year. It includes tuition and fees, books and supplies, and a living allowance. Other costs are included when appropriate.