Financial Aid and Anticipated Aid on My Account

Federal regulations require the University wait until 10 days before the official start of each term to post scholarships, grants, and loans to students’ accounts. Also, students have requirements to meet (see below) before their aid can be applied to the account. In the meantime, most aid will be displayed as Anticipated Aid in PittPAY on the eBill and Current Account Details screens. See the instructions at the top of Current Account Details for an explanation of what to pay by the due date when you have Anticipated Aid on your account.

Your Aid Requirements:

  1. New and continuing students must accept, reduce, or decline loans and work study through student self-service. View the video for help.
  2. If this is your first time borrowing an undergraduate Federal Direct or Graduate PLUS loan at Pitt, complete your Entrance Counseling AND Master Promissory Note at
  3. If you were awarded Institutional Loans (e.g., Justus Mulert), Nursing, Pharmacy, or Health Professions Loans, after accepting your loans, you must ANNUALLY complete entrance counseling and sign a promissory note. Within a few days of accepting your loans, Heartland-ECSI will send an email to your Pitt email address letting you know your loans are ready for these steps, which you will complete online. Be sure to follow the instructions from Heartland-ECSI promptly, so your loans can be applied to your account. If you are eligible to receive loans from these programs, they will be itemized on your financial aid award letter.
  4. First time Parents PLUS Loan borrowers must complete the Master Promissory Note at

What is included in Anticipated Aid?

  • Loans that show as Accepted
  • Scholarships and grants included on the financial aid award letter

What is NOT included in Anticipated Aid?

When does Anticipated Aid get disbursed?

Aid begins to post to students’ accounts 10 days before the official start of each term, but remember that loans will only post if the student has completed all of their aid requirements, above. Also, Anticipated Aid for loans will expire if the student waits too long to complete their requirements; this will cause an increase in what the student owes on Current Account Details in PittPAY.

What if the student has an anticipated credit balance?

If the Anticipated Aid is greater than the amount a student owes for a term, an anticipated credit balance will exist. Once aid is disbursed, the excess will be refunded automatically. In short, refunds cannot be processed for anticipated credit balances, only for actual credit balances.

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