Financial Aid

The office of financial aid strives to bring the cost of education within reach through a variety of financial aid programs. Please do not hesitate to email the office of financial aid or call 503-847-2563 if you have any questions.

Non-Discrimination Policy
Pursuant to university Policies 1013B and 2001, University of Western States admits students of any race, color, nationality, ethnic origin, sex or age to all the rights, privileges, programs and activities generally accorded or made available to students at the university. Find out more about this policy and how you can handle inquiries.

U.S. Students

To qualify for U.S. financial aid you must meet the following requirements:

  • Be a U.S. citizen or an eligible permanent resident.
  • Be making Satisfactory Academic Progress toward a degree or certificate.
  • Not be in violation of any federal student aid regulations.
  • Males must be registered with Selective Service if you were born on or after January 1, 1960.

How to apply:
To apply for aid, you must file a Free Application for Federal Student Aid (FAFSA) each year. The university’s federal school code is 012309. To ensure that you have access to all available aid, we recommend that you apply as early as possible.

After you file your FAFSA:
After you file, additional information may be needed to fairly and accurately determine your need. As part of the verification process, you may be asked to submit a copy of your tax transcript, W-2s, verification worksheets and other potential documents. If further information is needed, new students will be notified by mail and continuing students will be notified by email.

After you complete the financial aid application process:
Your financial aid application will be reviewed after you have been admitted to a degree or certificate program at University of Western States. Once all requested financial aid documents have been returned, your financial aid package will be mailed to you.

What to expect in your financial aid package:

  • Financial aid award notification letter (two copies – one for your records)
  • Total cost estimate of your academic program
  • Instruction page listing steps required to receive your aid (is this up to date?)
  • Information on the types of aid included on your award letter
  • Satisfactory Academic Progress policy (is this up to date?)
  • Information on additional federal loan options, if applicable

Calculating Eligibility:
The information you provide on your FAFSA is used to determine your Expected Family Contribution (EFC). Statutory formulas take into account untaxed income, assets, the number of people in your household, etc. The financial aid office determines your financial need by subtracting your EFC from the cost of attendance (COA), which is also known as the student budget.

Total Cost – Estimated Contribution = Financial Need
You are permitted to receive up to the total cost of attendance from all sources, including but not limited to, direct subsidized and unsubsidized loans, grants, scholarships, stipends, etc.

Disbursement Information

The office of financial aid disburses funds for students attending on-campus programs prior to the start of each term and refunds are typically available on the first day of the term for students who have completed all requirements at least a week prior to the start of the term.

For students attending on-line programs, the office of financial aid disburses funds as soon as enrollment and participation can be confirmed, and refunds are typically available as a direct deposit or check to be mailed within three business days.

Outside of the start of the term, UWS processes disbursements and refunds at least weekly over the remainder of the term for students who become eligible or are approved for additional funding.

Any student, including on-line students, requiring access to books prior to the 7th day of the term may contact the UWS library, which maintains copies of course books for lending, or the financial aid office to discuss additional questions.

International Students

Aid from your home country
International students often receive government-funded loans and grants from their countries of origin, and may also utilize educational lines of credit and other alternative sources of loans to cover their educational expenses at UWS.  For assistance in determining what types of federal aid are available from your home country, please contact your country’s education department. For information on lines of credit or alternative loans, we suggest that you research the available options at banks and other financial institutions in your country.

If you are required to provide proof of your educational costs to receive financial aid from your home country, please send the necessary documents to the financial aid office for certification. Contact the registrar for proof of enrollment.

International DC Student Grant
University of Western States offers a $1,000 USD per term grant to all international students enrolling full time in the Doctor of Chiropractic program. To remain eligible, students must maintain a 2.5 GPA while enrolled in the Doctor of Chiropractic program. The grant is valid for the duration of the program.

Canadian Student Aid
Find contact information for provincial and territorial student financial assistance offices here.

DC Canadian Exchange Rate Subsidy Program
International students from Canada are also eligible for the DC Canadian Exchange Rate Subsidy program. The international grant and DC Canadian Exchange Rate Subsidy program combined will provide a maximum of a 20 percent tuition reduction to eligible students maintaining a 2.5 cumulative GPA. The DC Canadian Exchange Rate Subsidy program is subject to modification based on quarterly reviews of the United States and Canadian exchange rate.


Veteran Benefits
If you are a veteran, member of the Reserves, or National Guard and plan to attend University of Western States, you may be eligible for educational benefits through the Veterans’ Administration. Benefits may also be available to eligible spouses and/or children of veterans. Check your eligibility status or learn more about veteran benefits by calling 800-827-1000.

University of Western States is proud to support eligible veterans through its continued participation in the Yellow Ribbon Program. UWS is also proud to be named a Military Friendly School. Explore veteran’s benefits at UWS.

How to Apply
Certification Required
To receive education benefits you must be certified, a process that can take up to three months. Your first step is to go to the Department of Veterans Affairs (VA) website and apply for your federal GI Bill® education benefits utilizing their Veteran On-line Application (VONAPP). Applicants for Chapter 31 must meet with a US Department of Veterans Affairs counselor.

Once you have applied for benefits and registered for classes, you will need to submit a copy of your approval to the office of the registrar. The office of the registrar will then issue a Verification of Enrollment (VA Form 22-1999) via VA ONCE to inform the VA that the student is enrolled at University of Western States and requesting education benefits.


There are many types of financial aid, from loans to grants to scholarships and more. Explore the types offered here and find one that’s right for you.


What is a FAFSA?
Students need to apply for need-based federal student aid by completing the Free Application for Federal Student Aid (FAFSA) annually. The FAFSA will determine a student’s “Expected Family Contribution (EFC)” toward his or her education for that year. This will be used to decide what types of financial aid a student is eligible to receive.

What is my Expected Family Contribution (EFC), and why does it seem so high?
The EFC is a federal calculation that is an estimate of your family’s ability to contribute to your education during an academic year. The calculation takes into account your family size, number of family members in enrolled in college (excluding your parents if you are a dependent student), family income, family assets, taxes paid and a number of other factors.

The EFC often seems high but remember that it does not necessarily represent the amount you and/or your family must pay to the school for direct educational expenses. It is simply meant to be an approximate measure of your family’s ability to contribute. The EFC can be covered, if necessary, with student and/or parent loans.

Can I receive financial aid for my concurrent degree program at UWS?
Students who are concurrently enrolled at UWS in two or more programs may request loans to cover the additional costs associated with the additional program(s). Generally, the additional funding is provided in the form of a Grad PLUS loan. Contact the financial aid office ( ) to obtain a Funding Request for Additional Programs form.

Is financial aid available for certificate programs?
Financial aid is available for the Human Nutrition and Functional Medicine certificate program but not available for other graduate certificate programs at this time.

Is financial aid available for undergraduate programs?
When it comes to UWS undergraduate programs, financial aid information will vary from student to student. Please contact the financial aid office by email ( or phone (503-847-2553 ext. 5702) to discuss your individualized financial aid approach.

Cost of Attendance

Doctor of Chiropractic

The standard budget established for financial aid purposes includes estimated living expenses for one person in the Portland metropolitan area. Because student living arrangements and personal spending habits vary widely, there is no single figure that perfectly represents the cost of attendance for the DC program at UWS. With careful planning and budgeting, you can spend significantly less than the estimated expenses, thereby minimizing your student loan debt. View the cost estimator here.