University of Central Florida Scholarships (2026–2027)
← Back to college scholarships hub • See Florida aid & Grants
Last Updated on September 2, 2026- Tuition, housing, and average family net price
- Automatic merit ranges and qualifier benchmarks
- Flagship and hidden-gem awards
- Honors and stacking strategy
📊 Admissions Snapshot
- Acceptance Rate: ~43%
- Middle 50% ACT: 25-30
- Middle 50% SAT: 1220-1350
- Average GPA: 4.18
Here is the thing most families get wrong about UCF. They look at that in-state tuition number, see one of the lowest sticker prices of any large public university in the country, and assume the scholarship part will sort itself out. It usually does not, and the reason has nothing to do with your student’s grades.
UCF does not publish scholarship cutoffs. There is no chart where a 4.2 and a 1350 gets you a specific dollar amount. Awards are assigned internally by Undergraduate Admissions at the moment your student is admitted, from a pot of money that runs out. UCF says so in plain language on its own admissions page: scholarship funding is limited, and it is usually gone by mid-January. That single sentence should reshape your family’s whole timeline.
Comparing multiple schools? Try the Scholarship Tool to search by GPA, test scores, and state →
📌 University of Central Florida at a Glance
- The real deadline is October 15, not November 1. UCF’s Early Action application closes Oct 15, with all supporting materials due Nov 15. November 1 is the spring term deadline, and plenty of families confuse the two. Miss October and you are competing for whatever scholarship money is left.
- Merit money runs out by mid-January. UCF states that its scholarship committee reviews admitted students until the funding is allocated, and that funding is typically exhausted by mid-January. Applying early is not about admission odds. It is about whether there is anything left to give you.
- UCF is not test-optional and cannot become test-optional. Florida Board of Governors rules require a score from every first-year applicant. UCF takes the SAT, the ACT, or the CLT, and self-reported scores do not count. The official report has to arrive.
- Residency decides the National Merit outcome, not the score. A Florida Finalist gets the state-funded Benacquisto award, worth full cost of attendance. An out-of-state Finalist with identical scores cannot receive it and gets UCF’s institutional package instead.
- Out-of-state is a small, expensive club. Only about 6.7% of UCF’s first-year class comes from outside Florida, and non-resident tuition jumped sharply for 2026-2027. The merit help exists, but it arrives as a fee waiver, not a check.
FAQ
Is this college test-optional? No — University of Central Florida is test-required.
What is the middle 50% ACT/SAT? ACT: 25-30; SAT: 1220-1350.
Average net price? About $13,351/year after aid.
Does this school use waivers/reciprocity? No broad regional reciprocity path.
UCF Financial Aid — Benacquisto Scholarship: https://www.ucf.edu/financial-aid/types/scholarships/benacquisto/
UCF Financial Aid — Provost Scholarship: https://www.ucf.edu/financial-aid/types/scholarships/provost/
UCF Financial Aid — Pegasus Gold, Silver and Bronze: https://www.ucf.edu/financial-aid/types/scholarships/pegasus-gold-silver-bronze/
UCF Financial Aid — Charge On! 15 Grant: https://www.ucf.edu/financial-aid/types/grants/charge-on-15/
UCF Financial Aid: https://www.ucf.edu/financial-aid/types/scholarships/first-generation-matching-grant/
Burnett Honors College — First Year Entry: https://honors.ucf.edu/university-honors/first-year-entry/
UCF Undergraduate Admissions — National Merit Scholarship Program: https://www.ucf.edu/admissions/undergraduate/national-merit/
A2O portal: https://ucf.academicworks.com/
UCF Financial Aid — Florida Bright Futures: https://www.ucf.edu/financial-aid/types/scholarships/florida-bright-futures/
Burnett Honors College — Honors Scholarships: https://honors.ucf.edu/honors-scholarships/
UCF Financial Aid — Pegasus Scholarship Waiver: https://www.ucf.edu/financial-aid/types/scholarships/pegasus-waiver/
UCF Financial Aid — Florida Foundation for Future Scientists: https://www.ucf.edu/financial-aid/types/scholarships/florida-foundation-future-scientists/
UCF Honors in the Major / HUT Scholarships (example: Psychology): https://sciences.ucf.edu/psychology/him/scholarships/
UCF Office of Prestigious Awards: https://opa.ucf.edu/
CollegeScorecard / Admissions: https://collegescorecard.ed.gov/
💰 Cost of Attendance at University of Central Florida 2026-2027
📅 2027–2028 Planning Note: The costs below reflect the most recently published figures (2026–2027). Universities typically finalize the next year’s rates in the spring, and we’ll update this page once official 2027–2028 numbers are released.
Planning tip: At large public universities, tuition, fees, and housing usually increase modestly each year (often in the 2–5% range). For early budgeting, families may want to plan for roughly $1,000–$1,500 more in-state or $2,000–$3,000 more out-of-state in total direct costs once new rates are published.
| Category (2026–2027) | In-State | Out-of-State |
|---|---|---|
| Tuition & Mandatory Fees (2 semesters) | $6,368 | $26,732 |
| Housing & Meals (typical) | $12,436 | $12,436 |
| Total (Direct Costs) | $18,804 | $39,168 |
Average Federal Net Price: $13,351 — this is what families actually paid after grants and scholarships (no loans), based on the most recent federal data. Your specific cost could be significantly lower or higher depending on your financial aid eligibility and merit scholarships. New to Net Price & SAI? Read our guide.
📌 Regional Tuition & Waiver Options
The figures above use a 30 credit hour academic year, which is the standard full-time load and what UCF reports in its Common Data Set. It is also what your student needs to average to finish a 120-hour degree in four years.
UCF’s own financial aid page shows a smaller number, because it builds cost of attendance on 28 credit hours, which is the average its students actually take. That is not wrong, it is just a different question. At 28 hours the in-state total lands near $20,874. At 30 hours it is higher, because UCF charges by the credit hour: $212.28 per hour in-state and $891.07 per hour for non-residents.
Why this matters at your kitchen table: the number on UCF’s website quietly assumes 14 credits a semester. Your student needs 15 to graduate on time. That gap is a few hundred dollars a year in-state and closer to two thousand out-of-state, and nobody points it out.
UCF’s non-resident tuition and fees rose from $20,980 to $24,960 for 2026-2027 on its own 28-hour basis, an increase of roughly 19% in a single year. Florida’s in-state rate, meanwhile, has been frozen for over a decade. The two prices are moving in opposite directions.
Merit help for non-residents comes as a fee waiver, not a scholarship check. Two consequences. Any combination of UCF-sponsored waivers covers up to the waiver amount or the actual non-resident fee, whichever is less. And the waiver posts the week after add/drop closes, which means it is not sitting in the account on the tuition payment deadline and cannot be used as a deferment. Plan for that cash-flow gap.
FAQ — Cost of Attendance at the University of Central Florida
Why does UCF’s website show a lower total than this page?
Credit hours. UCF’s financial aid office builds its published cost on 28 hours a year because that is what the average student takes. We use 30, the standard full-time year and the figure UCF files in its Common Data Set. Neither is a mistake. If your student plans to graduate in four years, the 30-hour number is the honest one to budget against.
Is UCF really that cheap for Florida families?
For in-state students, yes. UCF’s per-credit-hour rate is $212.28, and Florida has held state university tuition flat for years. Add Bright Futures on top and a Florida family’s tuition bill can go to zero. Housing and food are where the money actually goes.
Can an out-of-state student get in-state tuition at UCF?
Not through reciprocity. Florida’s Academic Common Market participation covers approved graduate programs only, so it does nothing for an undergraduate applicant. There is no regional waiver program like the ones in the West or Midwest. The only meaningful reduction is a merit-based non-resident fee waiver awarded automatically at admission, and it reduces the gap rather than closing it.
Why are books and transportation not in the total?
Because UCF does not bill you for them. The university invoices tuition, fees, and your housing and meal plan. Books run about $1,200 a year, transportation between $1,094 and $2,126 depending on where your student lives, and personal expenses about $3,104. Those are real costs, they are just not on the bill.
Does living off campus save money?
Barely, and sometimes not at all. UCF’s own estimates put on-campus and off-campus totals within a few dollars of each other, because cheaper food is offset by higher rent and transportation. Living with a parent is the option that genuinely moves the number, cutting roughly $7,000 a year.
Will tuition go up each year?
In-state, Florida has been remarkably stable. Out-of-state is a different story, as the 2026-2027 increase shows. Housing and food also drift upward annually. Scholarship amounts, by contrast, are generally fixed for up to eight semesters as long as renewal requirements are met, which means your award covers a shrinking share of a growing bill.
How much do families actually pay after aid?
UCF reports that first-year students receiving need-based aid got an average need-based grant of about $9,235, with an average total package near $14,588. On average UCF met about 72% of demonstrated need for first-year students, and only around 617 of them had need fully met. Run the net price calculator before you assume anything.
https://www.ucf.edu/financial-aid/cost/
https://analytics.ucf.edu/institutional-research/common-data-set/
https://www.ucf.edu/financial-aid/resources/net-price-calculator/
⏰ The UCF Money Clock (this is the whole page in one box)
- Sept 15: Burnett Honors College application opens.
- Oct 15: Early Action application deadline. This is the scholarship deadline.
- Nov 15: All supporting materials due, including official test scores.
- Dec 1: UCF’s FAFSA priority date.
- Dec 4: Early Action decisions released.
- Mid-January: UCF says first-year scholarship funding is usually exhausted by this point.
- Feb 1: Honors priority deadline, the cutoff for the Honors Enhancement Scholarship.
- May 1: Regular fall application deadline, and the last date test scores can arrive.
Parent rule of thumb: at UCF, October is the money month. Everything after it is competing for leftovers.
Automatic Merit Scholarships — University of Central Florida
💵 What is Pegasus actually worth? Here is the only real number.
UCF publishes no Pegasus tier amounts anywhere. Not on the financial aid site, not on the admissions site. You will find third-party sites guessing at ranges. Those are guesses.
There is one official figure, and it is buried in UCF’s Common Data Set filing: 733 first-year students received institutional non-need-based scholarship aid, averaging $3,892 each. Out of a first-year class of roughly 6,965.
Read that carefully. Roughly one in nine first-year students got pure merit money, and the average was under four thousand dollars. Pegasus is real and it helps, but it is not the kind of automatic merit that turns a public university free. Budget accordingly and treat anything larger as a happy surprise.
Note: UCF does superscore both the ACT and the SAT, which is unusual among schools that award merit this way. One wrinkle on the ACT: if every sitting your student submits predates April 2025, UCF superscores across all four sections. If any sitting is from April 2025 or later, the composite is built from English, Math, and Reading only, because Florida no longer requires the Science section.
Automatic Merit — FAQs (University of Central Florida)
What GPA and test score does my student need?
UCF does not publish cutoffs, and that is not an oversight. Award levels are set internally each year against the incoming class. For context, the middle 50% of enrolled first-year students scored 25 to 30 on the ACT and 1220 to 1350 on the SAT, with an average high school GPA of 4.18 on a weighted scale. Merit awards go to students above that middle, but there is no published line.
Are Pegasus scholarships guaranteed if my student hits certain numbers?
No, and this is the most important correction on this page. UCF states that scholarship funding is limited, that the committee reviews admitted students until funding is allocated, and that first-year funding is usually exhausted by mid-January. A strong student who applies in March may be admitted and still receive nothing. The award follows the money, not just the transcript.
Do we need to file the FAFSA for Pegasus?
UCF’s own pages disagree with each other here. The eligibility chart for Fall 2025 and Spring 2026 marks Pegasus as FAFSA not required, but the chart for Fall 2026 and Spring 2027 marks it FAFSA required, while a note directly beneath the same table still says FAFSA is not required. We are not going to guess which one wins. File the FAFSA by the December 1 priority date regardless. It costs you nothing and it protects you from whichever version turns out to be operative.
Does UCF superscore?
Yes, both the ACT and SAT, with the April 2025 ACT Science wrinkle described above. UCF also accepts the CLT as a third option alongside the SAT and ACT, which very few schools do.
How does renewal work?
Three conditions every year, and all three have to be met. A 3.0 UCF cumulative GPA measured at the end of each spring term, with summer grades not counted toward that evaluation. Enrollment in at least 12 UCF credit hours each fall and spring. And 24 completed UCF credit hours between the previous fall and spring. Dual enrollment and transient credit taken elsewhere does not count toward any of it.
What happens if my student falls short one semester?
This one surprises people. Falling below the hours or GPA requirement results in permanent cancellation from the scholarship program, not a warning. There is an appeal process for extenuating circumstances, and appeals must reach the financial aid office by June 30 to avoid delaying fall.
Can we use Pegasus money in the summer?
No. Pegasus awards are fall and spring only. This catches families who plan a summer term to lighten the regular-year load.
How long does the award last?
A maximum of 8 semesters or until graduation, whichever comes first. Students in a major requiring 124 or more hours can get a one-term extension with a department letter submitted before the ninth term. Double majors and minors do not qualify for the extension.
https://www.ucf.edu/financial-aid/types/scholarships/pegasus/
https://www.ucf.edu/financial-aid/resources/program-eligibility-charts/
https://www.ucf.edu/admissions/undergraduate/freshman/
🏆 Flagship Scholarships (Competitive Scholarships)
That does not mean the big money is missing. It means it comes through national and state channels instead of institutional ones. The largest awards at UCF are triggered by National Merit Finalist status and by Florida Bright Futures eligibility, both of which are decided long before UCF ever sees the application.
🇺🇸 The National Merit Fork in the Road
This is the most consequential branch on the entire UCF financial aid tree, and it has nothing to do with how well your student did.
| Same student, same score | Florida resident | Out-of-state |
|---|---|---|
| State Benacquisto award | Yes. Equals cost of attendance minus Bright Futures and the NM award. | No. Closed to non-residents since 2022-23. |
| Bright Futures on top | Yes, if FAS or FMS eligible. | Not eligible. |
| UCF institutional package | Rolled into the Benacquisto calculation. | Yes. UCF values it at more than $25,000 per year for four years. |
| Practical result | Effectively a full ride. | Strong package, but you are still covering a gap. |
If your family is out of state and your student is a Finalist, this is worth understanding before you fall in love with the campus. UCF’s offer is genuinely competitive nationally. It is just not the same instrument a Florida family receives, and older articles online still describe Benacquisto as though non-residents can get it. They cannot.
✅ Can You Stack Scholarships at UCF?
| Aid Type | Stacks? | Parent Translation |
|---|---|---|
| Pegasus + Bright Futures | Yes | The core Florida combination. Bright Futures handles tuition, Pegasus frees up money for housing and food. |
| Pegasus + Pell Grant | Yes | Merit and need-based aid layer normally, up to cost of attendance. |
| Benacquisto + everything else | Works backward | Benacquisto fills the gap after Bright Futures and the NM award. More aid elsewhere does not increase your total, it just changes which bucket pays. |
| Multiple non-resident waivers | Capped | Any combination covers up to the waiver amount or the actual non-resident fee, whichever is less. You cannot stack your way past the fee. |
| Outside scholarships | Watch out | UCF has a written displacement policy. Outside awards above cost of attendance or your need threshold can reduce grants, work study, or loans. Report them using UCF’s self-report tool early rather than letting the system discover them. |
❓ Flagship / Competitive Scholarship FAQs
Does UCF have a big competitive scholarship with essays and interviews?
No, and we would rather say that plainly than pad this section. UCF’s largest awards are triggered by National Merit status and Bright Futures eligibility, not by an institutional competition. If your student is chasing that kind of process, they will find it at other schools, not here.
What does my student have to do for the National Merit package?
Two things, and both are required. Reach Finalist status through the National Merit Scholarship Corporation, and designate UCF as first-choice with NMSC by May 31. Skipping the first-choice step is the most common way families leave this money on the table. Semifinalists are considered for a smaller award at admission.
What else comes with National Merit Finalist status at UCF?
Guaranteed admission to the Burnett Honors College and guaranteed on-campus housing, both of which still require submitting the relevant application. Finalists can also arrange a private campus visit and meet with the Honors assistant dean.
Is Bright Futures really a full-tuition award?
At the Florida Academic Scholars level, yes. FAS pays $212.28 per credit hour at UCF, which is exactly 100% of in-state tuition and applicable fees, including summer, plus a book allowance. Florida Medallion Scholars pays $159.21 per hour, which is exactly 75%.
How do we apply for Bright Futures?
Through the state, not through UCF. Your student completes the Florida Financial Aid Application by August 31 following high school graduation. It is a one-time form and it is the trigger for every Bright Futures award level. Eligibility criteria are set by the Florida Department of Education.
Is there a limit on Bright Futures?
Yes, and it is tighter than it looks. Roughly 120 credit hours, or 5 years from high school graduation, whichever comes first. At 15 credits a semester for eight semesters your student hits exactly 120. There is no cushion for a dropped class or a changed major, so treat withdrawals as expensive.
Does UCF partner with Stamps or QuestBridge?
No to both.
https://www.ucf.edu/admissions/undergraduate/national-merit/
https://www.ucf.edu/financial-aid/types/scholarships/benacquisto/
https://www.ucf.edu/financial-aid/types/scholarships/florida-bright-futures/
The Burnett Honors College at UCF
The Burnett Honors College is UCF’s answer to the size problem. On a campus of more than 70,000 students, it is a small college with its own building, its own housing, smaller classes, and its own advising. Admission is separate from UCF admission and genuinely selective: Honors students typically represent the top 8% of the UCF freshman class.
- Application opens: September 15
- Priority deadline: February 1, which is the cutoff for the Honors Enhancement Scholarship
- Final deadline: March 31, after which applications are space-available only
- Reply form due: May 1
- Decisions: rolling, typically 3 to 5 weeks after applying
Being admitted to Burnett Honors does not reserve a spot. The class fills, and once it does, students go on a waitlist. Here is the part nobody expects: waitlist position is set by the date of the UCF enrollment deposit and the date of orientation registration, not by when your student was admitted to Honors.
A student admitted to Honors in October who deposits in April can land behind a student admitted in March who deposited in March. If your student wants Honors, the deposit and the orientation registration are urgent, not administrative.
Honors Scholarships & Fellowships
- National Merit Finalists are accepted to the Burnett Honors College, provided they submit a complete application by the deadline. The application is still required. The outcome is not.
- Provost Scholarship recipients receive special consideration in Honors admission.
- Second Year Entry: students who missed University Honors as freshmen can apply after starting at UCF.
- Honors Undergraduate Thesis: a separate two-to-four semester research track for juniors and seniors, open in any major, with its own departmental grant competitions.
- Burnett Medical Scholars: a dedicated pathway for Honors students headed toward medicine.
- Office of Prestigious Awards: housed inside Honors but open to every UCF student, not just Honors. This is the office that gets students through Goldwater, Truman, Rhodes, Marshall, and Fulbright applications.
Honors College — FAQs (University of Central Florida)
Is Honors admission automatic for strong students?
No. Burnett Honors sends invitations to apply to academically strong admitted students, but any high-achieving incoming freshman can request an application. Admission is a comprehensive review of transcript, test scores, personal statement, activities, and class rank.
Is there money attached to Honors?
For incoming freshmen, one award: the Honors Enhancement Scholarship, $2,000 paid as $1,000 in each of the first two semesters. Every freshman who applies to Honors by February 1 is automatically considered. It is awarded on test scores, GPA, and class rank, and it does not renew after the first year.
What about scholarships after freshman year?
This is where Honors gets more generous, and it is why the section above matters. Burnett Honors distributes over $135,000 a year to current Honors students across six categories including STEM, financial need, leadership, study abroad, undergraduate research, and internship support. Awards typically run $500 to $5,000. Applications run in a fall cycle each October and a spring cycle each February through UCF’s AcademicWorks portal.
Does my student need to be in Honors to work with the Office of Prestigious Awards?
No. OPA serves the entire UCF community. Historically most successful national fellowship applicants have come from Honors, but the office is not restricted to them.
Can out-of-state students apply to Honors?
Yes, on the same terms. Honors admission and non-resident fee waivers are separate decisions made by separate offices, so getting one does not affect the other.
Are Honors classes harder?
Smaller and more discussion-driven rather than heavier. The practical benefits are the ones parents care about: smaller sections on a very large campus, dedicated advising, Honors housing in Tower 3, and a faculty relationship that becomes a graduate school recommendation letter later.
https://honors.ucf.edu/university-honors/first-year-entry/
https://honors.ucf.edu/honors-scholarships/
https://opa.ucf.edu/
⭐ College Specialty
UCF is the largest university in Florida and one of the largest in the country, with more than 70,000 students. That number leads a lot of families to file it under “big state school” and move on. The more interesting fact is where it is. UCF sits next to one of the top research parks in the nation, an hour from Kennedy Space Center, and down the road from the world’s densest concentration of theme park and simulation engineering. The strong programs here are not accidents of a course catalog. They grew out of the industries that surround the campus.
Rosen College of Hospitality Management — Located off International Drive rather than on the main campus, which tells you something about how it operates. Students study hospitality in the middle of one of the largest tourism economies on earth, with internship access that most hospitality programs cannot approach. It is consistently among the most recognized hospitality programs in the world.
- CREOL, the College of Optics and Photonics: one of very few standalone optics and photonics colleges in the United States, and probably the most distinctive thing at UCF that nobody has heard of. If your student is drawn to lasers, imaging, or fiber optics, there are only a handful of comparable undergraduate environments anywhere.
- Engineering and Computer Science: engineering and computing together account for roughly 14% of UCF bachelor’s degrees. Aerospace and mechanical engineering benefit directly from the Space Coast pipeline, and Mechanical Engineering is the single most popular major among admitted students.
- Health Professions and Nursing: health-related fields are the second-largest degree category at UCF at nearly 14% of bachelor’s degrees, and Nursing and Biomedical Sciences both rank in the top five majors. UCF also runs an accredited College of Medicine at Lake Nona’s Medical City, which shapes the undergraduate pre-health environment.
- Business: the largest degree category on campus at about 15%, with Finance sitting second among admitted students’ intended majors.
- Games, Digital Media and Simulation: visual and performing arts account for 8% of degrees, more than engineering, driven substantially by digital media. Central Florida is the national hub for modeling and simulation, and UCF is the university attached to it.
- Research scale: UCF is classified Research 1 with very high research spending and doctorate production, and received $237.4 million in funded research in fiscal 2025. Undergraduate research is a genuine option here, not a brochure line.
UCF’s six-year graduation rate is 78% and its first-year retention rate is 93.3%. Those are strong figures for a university this large and this accessible, and they are worth weighing against the 26-to-1 student-to-faculty ratio when you are comparing UCF to smaller schools charging three times as much.
🔗 Official University of Central Florida Links
Every link below was checked against UCF’s live site. Use these to verify deadlines, award terms, and cost figures for yourself. UCF updates these pages during the year, and the official page always wins over any summary, including ours.
-
Freshman Admission Dates & Requirements:
https://www.ucf.edu/admissions/undergraduate/freshman/ -
Tuition & Cost of Attendance:
https://www.ucf.edu/financial-aid/cost/ -
Scholarships Hub (all UCF programs):
https://www.ucf.edu/financial-aid/types/scholarships/ -
Pegasus Scholarship Programs:
https://www.ucf.edu/financial-aid/types/scholarships/pegasus/ -
Program Eligibility & Renewal Charts:
https://www.ucf.edu/financial-aid/resources/program-eligibility-charts/ -
National Merit Scholarship Program:
https://www.ucf.edu/admissions/undergraduate/national-merit/ -
Access 2 Opportunities (A2O) Scholarship Portal:
https://ucf.academicworks.com/ -
Burnett Honors College — First Year Entry:
https://honors.ucf.edu/university-honors/first-year-entry/ -
Office of Prestigious Awards:
https://opa.ucf.edu/ -
Net Price Calculator:
https://www.ucf.edu/financial-aid/resources/net-price-calculator/ -
Common Data Set (institutional data):
https://analytics.ucf.edu/institutional-research/common-data-set/