University of Central Florida Scholarships (2026–2027)

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Last Updated on September 2, 2026
What This Page Covers:
  • 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

🏆 Full tuition and full-ride packages available for National Merit Finalists
Average Net Price
$13,351/year (in-state estimate)
Average paid for residents.
Automatic Merit
~$3,892 avg (no published tiers)
No separate application.
Scholarships Tracked
17 opportunities
4 automatic · 4 competitive · 5 hidden gem · 4 honors
Merit Evaluation
Holistic Review / Varies
Merit depends on profile rigor.
Testing Policy
Test-required
Superscores ACT/SAT.
Key Deadlines
Priority: Oct 15 • FAFSA: Dec 1
Full-Tuition / Full-Ride
Benacquisto (FL residents) & UCF National Merit package
Honors College
Honors Program Available
Financial Aid Forms
FAFSA Only
🚨 Easy-to-Miss “Gotchas” at UCF (Read This First)

  • 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.


Sources:
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

UCF has no broad undergraduate tuition reciprocity or residency-waiver path. Florida's participation in the Academic Common Market is limited to approved graduate programs, so it does not help an undergraduate applicant. The only meaningful non-resident cost reduction at UCF is a merit-based non-resident fee waiver (Pegasus Waiver or Knights Achievement Waiver), awarded automatically at admission with no separate application. Any combination of UCF-sponsored waivers covers up to the waiver amount or the actual non-resident fee, whichever is less.

📐 How we calculated these numbers (and why UCF shows you something different)

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.

⚠️ Out-of-state families: read this before you budget

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.

Sources:
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

These are the Pegasus family awards. There is no separate application. Your student is considered automatically when they apply for admission for a summer or fall term, and Undergraduate Admissions assigns a tier at the moment of admission based on coursework rigor, GPA, and superscored test results. Apply by October 15 for full consideration, and get all materials in by November 15.
Find your student's tier
Enter the numbers you have. We'll highlight the automatic award your student would actually get and tuck the rest out of the way. Leave it blank to browse everything.
Residency
Based on published cutoffs for entering freshmen. Always verify with the college before finalizing plans.
One award, not a pile. Colleges apply your student's single best automatic award. Automatic scholarships almost never stack with each other, though some stack with housing, departmental, or outside money. The stacking notes on each card tell you which.
Automatic
Pegasus Provost Scholarship
📅 Deadline: Oct 15
✓ Renews (3 GPA, 8 yrs)
Varies
✔ Stackable
Holistic / Status Based

Stacking & Combining
Provost stacks with Bright Futures, National Merit-related awards, and federal aid up to cost of attendance. For a Florida resident with Provost + FAS + Pell, out-of-pocket tuition can effectively be zeroed out.

💡
Strategic Detail
UCF's FAQ confirms Provost Scholarship as a distinct program in the Pegasus family, but does not publish the exact dollar amount, GPA cutoff, or test-score threshold. Awarded automatically at admission to a limited number of top applicants; renewal follows Pegasus standards (3.0 UCF GPA, 24 credits per academic year, up to 8 terms).
🕵
Who Actually Wins
A very small group of top admits — students with the most rigorous coursework, exceptional GPAs, and highest superscored test results in the incoming class. UCF does not publish cutoffs, but historically these are students who would be highly competitive at any Florida flagship. Applying by Nov 1 Early Action is essential.
Automatic
Pegasus Scholarship (Residents)
📅 Deadline: Oct 15
✓ Renews (3 GPA, 8 yrs)
Varies
✔ Stackable
Holistic / Status Based

Stacking & Combining
Great news: Pegasus stacks beautifully with Florida Bright Futures and federal aid like the Pell Grant. The only ceiling is total cost of attendance — your student can't receive more aid than what UCF says it costs to attend. Most Florida families see Pegasus + Bright Futures combined make a real dent in tuition.

💡
Strategic Detail
UCF publishes no Pegasus tier dollar amounts, GPA cutoffs, or test-score minimums anywhere. Award levels are set internally by Undergraduate Admissions at the time of admission. The one official figure that exists: UCF's Common Data Set reports 733 first-year students received institutional non-need-based scholarship or grant aid averaging $3,892. Renewal requires a 3.0 UCF GPA at the end of each spring term plus 24 completed UCF credit hours between fall and spring, up to 8 semesters. Pegasus cannot be used in summer terms.
🕵
Who Actually Wins
Most winners: Florida residents admitted for summer or fall with rigorous coursework and strong superscored test results. Because UCF publishes no cutoffs and states plainly that scholarship funding is limited and usually exhausted by mid-January, timing matters at least as much as the transcript. Applying by Oct 15 is the single biggest lever a family controls.
Automatic
Pegasus / Knights Achievement (Non-Residents)
📅 Deadline: Oct 15
✓ Renews (3 GPA, 8 yrs)
Varies
✔ Stackable
Holistic / Status Based

Stacking & Combining
Non-resident fee waivers stack, but here's the catch parents need to know: any combination of UCF-sponsored waivers can only cover up to the actual non-resident fee amount, whichever is less. Beyond that, other aid can layer on top up to cost of attendance. Practically, this can chip away at that daunting out-of-state price tag significantly.

💡
Strategic Detail
UCF publishes no dollar amounts, GPA minimums, or test thresholds for non-resident fee waivers. Two structural facts matter more than any estimate. First, any combination of UCF-sponsored waivers covers up to the waiver amount or the actual non-resident fee, whichever is less. Second, a non-resident award is split into a scholarship portion and a waiver portion; the waiver posts the week after add/drop and does not act as a deferment, so it will not be sitting there at the tuition payment deadline. If a student later gains Florida residency, the waiver is simply lost and is not replaced.
🕵
Who Actually Wins
High-achieving out-of-state students admitted for summer or fall. Worth knowing the scale: only about 6.7% of UCF's first-year class comes from out of state, and UCF's non-resident tuition and fees rose from $20,980 to $24,960 for 2026-2027 on the 28-hour basis. Out-of-state families should treat a waiver as a partial offset, not as a path to in-state pricing.
Automatic
Florida Foundation for Future Scientists (FFFS)
📅 Deadline: Oct 15
✓ Renews (3 GPA, 4 yrs)
Varies
✔ Stackable
Holistic / Status Based

Stacking & Combining
Sits inside the Pegasus program, so it follows the same renewal rules and the same 8-semester ceiling as the other Pegasus awards. Stacks with Bright Futures and federal aid up to cost of attendance.

💡
Strategic Detail
This is the least-publicized award in the Pegasus family and one almost no applicant asks about. UCF publishes no dollar amount and no eligibility criteria beyond outstanding academic performance, which is why it is worth asking Undergraduate Admissions about directly rather than waiting to see it on an award letter. Renewal follows Pegasus rules: 3.0 UCF GPA at the end of each spring, 24 completed UCF hours per year, 12-hour minimum enrollment, no summer use, 8 semesters maximum.
🕵
Who Actually Wins
Strong admitted students.
Data last verified Aug 31, 2026.* GPA/test bands are estimates based on official selectivity and prior cohort profiles. "Who Actually Wins" insights are pulled from external peer-sourced data where students and parents have reported real-world award results. Because colleges can change funding thresholds and deadlines at any time, always verify these details with the institution before finalizing your application strategy.

💵 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.

Sources:
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)

UCF does not run an essay-and-interview flagship competition the way schools like Alabama or Georgia do. There is no finalist weekend, no nomination process, no committee interviewing twenty students for a full ride.

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.
Full RideAutomaticgeographicnational merit
Benacquisto Scholarship (Florida National Merit Finalists)
📅 Deadline: Oct 15
✓ Renews (5 yrs)
Full Ride
State-funded award equal to institutional cost of attendance minus Bright Futures and the National Merit award
✔ Stackable
⚠  Florida residents only. The state closed Benacquisto to non-Florida residents beginning with the 2022-23 academic year.
Holistic / Status Based

Stacking & Combining
This is the top of the stack, and it works backward rather than forward. The state calculates the award as UCF's institutional cost of attendance minus Bright Futures and minus the National Merit award, so the pieces are designed to add up to full cost of attendance rather than to pile on top of each other. Funded for a maximum of 10 semesters, and the student must stay enrolled at the institution where they were first funded.

💡
Strategic Detail
State-funded and administered by the Florida Office of Student Financial Assistance, formerly the Florida Incentive Scholarship program. Nine Florida institutions participate with NMSC as college sponsors for 2026-27. A student who accepts a college-sponsored award must attend that institution.
🕵
Who Actually Wins
Most winners: Florida-resident National Merit Finalists who convert to Scholar status. A National Merit Special Scholarship does not qualify. This is the single largest award available at UCF, and residency is the whole ballgame: an out-of-state Finalist with identical scores gets UCF's institutional package instead.
Full TuitionAutomaticnational merit
National Merit Scholarship Package (UCF)
📅 Deadline: Oct 15
✓ Renews (3 GPA, 8 yrs)
Full Tuition
Institutional National Merit package (layers with state aid where applicable)
✔ Stackable
Holistic / Status Based

Stacking & Combining
Residency decides everything here. A Florida resident who becomes a National Merit Finalist receives the state-funded Benacquisto Scholarship on top of Bright Futures, which together cover cost of attendance. A non-resident Finalist cannot receive Benacquisto at all (the state closed it to out-of-state students beginning 2022-23) and instead receives UCF's own institutional package, which UCF values at more than $25,000 per year for four years. Either way, total aid cannot exceed cost of attendance.

💡
Strategic Detail
UCF does not publish a line-item breakdown of its institutional National Merit package. Renewal requires a 3.0 UCF cumulative GPA measured at the end of each spring term for anyone first enrolling Fall 2018 or later, plus 24 completed UCF credit hours between fall and spring, for a maximum of 8 semesters. Non-resident awards are split into a scholarship portion and a waiver portion; the waiver applies directly to tuition the week after add/drop and cannot be used as a deferment at the payment deadline.
🕵
Who Actually Wins
National Merit Finalists who name UCF first-choice with NMSC by May 31. UCF enrolls roughly 340 National Merit students and ranks second in Florida for enrolled Scholars, so this is a real recruiting priority rather than a token award. Finalists also get guaranteed Burnett Honors College admission and guaranteed on-campus housing, both with an application.
Full TuitionApp Requiredgeographic
Florida Bright Futures — Florida Academic Scholars (FAS)
📅 Deadline: Aug 31
✓ Renews (3 GPA)
Full Tuition
State-funded scholarship covering 100% of tuition and applicable fees plus book allowance
✔ Stackable
⚠  State-funded scholarship for Florida residents who meet Bright Futures FAS academic and service requirements; at UCF it covers 100% of tuition and applicable fees, including summer, up to 120 credits.
Holistic / Status Based

Stacking & Combining
FAS is your Florida family's foundation piece — it stacks with UCF's Pegasus tiers, federal aid, and most institutional scholarships. Total aid still can't exceed cost of attendance, but with FAS covering tuition, Pegasus and other awards often free up money for housing, books, and living expenses.

📄
How to Apply
Have your student complete the Florida Financial Aid Application (FFAA) by Aug 31 following high school graduation. This is a state form, not a UCF form — it's the trigger that turns on all Bright Futures award levels. Eligibility criteria (GPA, test scores, service hours) are governed by the Florida Department of Education.

💡
Strategic Detail
State-funded program administered by the Florida Department of Education; UCF simply applies the award to eligible tuition charges. At UCF, FAS is calculated at $212.28 per credit hour (100% of tuition and applicable fees). Eligible students meeting the Academic Top Scholars threshold receive an additional per-credit-hour supplement. Award covers up to 5 years from HS graduation and about 120 semester credit hours.
🕵
Who Actually Wins
Most winners: Florida residents who hit the FAS academic benchmarks set by the Florida DOE — historically the higher tier of Bright Futures, requiring stronger GPA, test scores, and service hours than FMS. UCF applies FAS to tuition and applicable fees at $212.28 per credit hour, including summer term, up to about 120 credit hours total.
App Required
Florida Bright Futures — Florida Medallion Scholars (FMS)
📅 Deadline: Aug 31
✓ Renews (2.75 GPA)
Varies
✔ Stackable
Holistic / Status Based

Stacking & Combining
FMS still stacks with UCF's Pegasus tiers and federal aid — the mechanics are identical to FAS, just at a lower percentage. Many Florida families combine FMS + Pegasus + Pell to build a package that meaningfully lowers the family's out-of-pocket cost.

📄
How to Apply
Have your student complete the Florida Financial Aid Application (FFAA) by Aug 31 following high school graduation. FMS is the second Bright Futures tier — eligibility benchmarks are set by the Florida Department of Education and are lower than FAS but still competitive.

💡
Strategic Detail
State-funded and administered by the Florida DOE. At UCF, FMS is calculated at $159.21 per credit hour. FMS renewal requires a 2.75 postsecondary GPA (slightly lower than FAS at 3.0). Award covers up to 5 years from HS graduation and about 120 semester credit hours.
🕵
Who Actually Wins
Most winners: Florida residents who hit the FMS benchmarks set by the Florida DOE — a rung below FAS but still requiring solid GPA, test scores, and community service. UCF applies FMS at $159.21 per credit hour (75% of tuition and applicable fees).
Data last verified Aug 31, 2026.* GPA/test bands are estimates based on official selectivity and prior cohort profiles. "Who Actually Wins" insights are pulled from external peer-sourced data where students and parents have reported real-world award results. Because colleges can change funding thresholds and deadlines at any time, always verify these details with the institution before finalizing your application strategy.

❓ 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.

Sources:
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/

🧠 Parent Strategy: UCF’s Second Application

Getting admitted to UCF does not mean your student applied for UCF’s money. The Pegasus awards happen automatically at admission. Almost everything else lives behind a separate door called Access 2 Opportunities (A2O), and nobody walks your student through it.

  1. Complete the A2O general application. One form, and UCF says it puts your student in front of more than 200 scholarships.
  2. Then search separately for college and department awards tied to the intended major. These often are not surfaced by the general application alone.
  3. Check the external tab inside A2O for outside awards UCF has vetted.
  4. Save confirmations after every submission.

Timing note from UCF’s own scholarship staff: the peak window is January through May for the following school year, and the general application should go in each January.

💎 Hidden Gem Scholarships

These are the awards that do not show up in a campus tour. Some are need-based and require nothing but a FAFSA. Others are small donor funds that go unclaimed simply because nobody applied. Most stack with merit and Bright Futures up to cost of attendance.

Automatic⚠ All Undergrad Only
Charge On! 15 Grant
📅 Deadline: Dec 1
✓ Renews (4 yrs)
Varies
✔ Stackable
🎓 All Undergrad

Stacking & Combining
Layers with Pegasus, Bright Futures and federal aid up to cost of attendance. Because it is need-based and FAFSA-driven, it is one of the few UCF awards that helps families who do not clear the merit bar.

💡
Strategic Detail
UCF does not publish the award amount. Renewable for up to 8 consecutive fall and spring semesters. Worth pairing with the credit-hour math: UCF's published cost of attendance assumes 28 hours per year, so a student on this grant is taking 30 and paying slightly more than the sticker figure while receiving grant money to do it.
🕵
Who Actually Wins
Students with demonstrated financial need on the FAFSA who commit to a genuine 15-hour load. Renewal requires having received the grant before, a valid FAFSA each year, continued need, and 30 completed hours across the prior fall and spring. One appeal is allowed for illness or emergency.
App Required⚠ All Undergrad Only
First Generation Matching Grant Program (FGMG)
📅 Deadline: A2O cycle (opens early spring; selections by late spring)
Non-Renewable
$1,000–$3,000/yr
✔ Stackable
🎓 All Undergrad

Stacking & Combining
Stackable up to Cost of Attendance

📄
How to Apply
Apply in A2O (Access to Opportunities) and complete First-Gen supplement; FAFSA required
🕵
Who Actually Wins
Pell-eligible first-gen students who apply early in A2O
App Required⚠ All Undergrad Only
Hispanic Endowed Scholarship (CREOL—Optics & Photonics)
📅 Deadline: A2O cycle (spring, confirm inside A2O listing)
Non-Renewable
$2,000/yr
✔ Stackable
🎓 All Undergrad

Stacking & Combining
Stackable up to Cost of Attendance

📄
How to Apply
Apply in A2O (college-specific)
🕵
Who Actually Wins
Optics/Photonics students, concise statement, early A2O applicants
App Required⚠ All Undergrad Only
Dively-Dupuis LGBTQ Scholarship
📅 Deadline: Historically Mar 31 (verify current A2O posting)
Non-Renewable
$1,400/yr
✔ Stackable
🎓 All Undergrad

Stacking & Combining
Stackable up to Cost of Attendance

📄
How to Apply
Apply in A2O (Access to Opportunities); timed cycle
🕵
Who Actually Wins
LGBTQ students with strong leadership/activism, early A2O applicants
App Required⚠ All Undergrad Only
Ferrante Family LGBTQ Scholarship
📅 Deadline: A2O cycle (late winter/early spring; verify current A2O listing)
Non-Renewable
$1,000/yr
✔ Stackable
🎓 All Undergrad

Stacking & Combining
Stackable up to Cost of Attendance

📄
How to Apply
Apply in A2O (Access to Opportunities); timed cycle
🕵
Who Actually Wins
LGBTQ students with solid GPA and engagement, early A2O applicants
Data last verified Aug 31, 2026.* GPA/test bands are estimates based on official selectivity and prior cohort profiles. "Who Actually Wins" insights are pulled from external peer-sourced data where students and parents have reported real-world award results. Because colleges can change funding thresholds and deadlines at any time, always verify these details with the institution before finalizing your application strategy.

📋 The need-based awards UCF does not advertise

These appear on UCF’s financial aid eligibility charts and grants pages, but UCF publishes no amounts or cutoffs for any of them. All are FAFSA-driven with no separate application, which means the FAFSA is the application:

  • UCF Grant and UCF Orion Grant (full-time only)
  • Black and Gold Grant (full-time and part-time versions)
  • Knights Opportunity Award and Knights Aid Award
  • UCF Scholars Award
  • Florida Student Assistance Grant (FSAG), state-funded

We are not listing dollar figures because UCF does not publish any, and we would rather tell you that than invent a range. The takeaway is simpler than a number: file the FAFSA by December 1 and your student is automatically in consideration for all of them. Skip it and you are invisible to every one.

Where the department money actually lives

UCF’s colleges run their own scholarship pages, and these are frequently a better hit rate than the general pool because the applicant pool is a fraction of the size:

❓ Hidden Gems FAQ

Do these stack with Pegasus and Bright Futures?
Generally yes, up to cost of attendance. But read UCF’s displacement policy before your student wins an outside scholarship: awards that push a student past cost of attendance or past their need threshold can reduce grants, work study, or loans. Use UCF’s self-report tool to declare outside money early rather than letting it collide with the package later.

When do A2O awards close?
It varies by fund, and UCF posts the live date inside each A2O listing rather than on a master calendar. The donor awards on this page have historically closed in late March. The general application should go in each January, and the busy season runs January through May.

The Charge On! 15 Grant sounds like free money for taking a normal course load. What is the catch?
Two catches. It is need-based, so UCF picks eligible students from the FAFSA rather than letting anyone apply. And your student must still be enrolled in 15 UCF hours when the drop, swap and add period ends. Dropping to 14 credits after the grant is offered cancels it for that term.

Can current UCF students get these?
Most of them, yes. That is actually the point of this section. The First Generation Matching Grant, the donor awards, the need-based grants, and nearly all department scholarships are open to continuing students. Families often stop looking after freshman year, which is exactly when the competition thins out.

How will we know if we won?
Notifications come to the student’s Knights email and appear in myUCF and A2O. Some awards require an acceptance step after notification. If your student does not check that inbox, an award can quietly expire.

Sources:
https://www.ucf.edu/financial-aid/types/scholarships/
https://ucf.academicworks.com/
https://www.ucf.edu/financial-aid/types/grants/

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
⚠️ The gotcha that costs families an Honors seat

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

App Required
Honors Enhancement Scholarship
📅 Deadline: Feb 1
Non-Renewable
$2,000
✔ Stackable
Holistic / Status Based

Stacking & Combining
Stacks with Pegasus, Bright Futures, National Merit packages, and federal aid up to cost of attendance. The amount is modest enough that it rarely bumps the ceiling.

📄
How to Apply
Your student must be admitted to UCF and submit a complete University Honors application to the Burnett Honors College by Feb 1. There is no separate scholarship form. Every freshman who applies to Honors by Feb 1 is automatically considered, and awards are decided on test scores, high school GPA, and class rank. The Honors application opens Sept 15.
✎ Essays

💡
Strategic Detail
$2,000 total, disbursed as $1,000 in each of the first two semesters. Explicitly non-recurring: it is awarded only during the first year at UCF and does not renew. Honors admission is rolling, with decisions typically returned in 3 to 5 weeks.
🕵
Who Actually Wins
Most winners: Incoming freshmen strong enough to be admitted to Burnett Honors College, which typically takes the top 8% of the UCF freshman class, and organized enough to get the Honors application in by Feb 1 rather than the Mar 31 final deadline. Applying after Feb 1 does not disqualify a student from Honors, but it does forfeit this scholarship.
App Required⚠ All Undergrad Only
Burnett Honors College Scholarships
📅 Deadline: Fall cycle in October and spring cycle in February — exact dates posted each year in AcademicWorks
✓ Renews (3.2 GPA)
$500–$5,000/yr
✔ Stackable
🎓 All Undergrad

Stacking & Combining
Burnett Honors scholarships stack neatly with Pegasus, Bright Futures, National Merit packages, and other UCF institutional aid — the ceiling is cost of attendance. Many BHC students layer several small awards from different sponsors to build a meaningful annual boost.

📄
How to Apply
Current Burnett Honors College students in good standing apply via UCF's AcademicWorks scholarship portal during the fall (October) and spring (February) application cycles. Applications typically include short essays and, for some awards, faculty input or specific supporting documents.
✎ Essays

💡
Strategic Detail
Burnett Honors College distributes over $135,000 annually in scholarships to current Honors students. Awards typically fall in the $500–$5,000 range, spanning categories like STEM, Financial Need, Leadership, Study Abroad, Undergraduate Research, and Internship Support. Fall cycle awards pay out in spring; spring cycle awards pay out in summer or fall.
🕵
Who Actually Wins
Engaged, high-performing BHC students who submit thoughtful applications and maintain strong Honors GPAs. Awards span categories including STEM, financial need, leadership, study abroad, undergraduate research, and internship support — so nearly every BHC student has a plausible target scholarship if they apply during each cycle.
App Required⚠ Junior Only
Honors Undergraduate Thesis Research Grant
📅 Deadline: Fall and spring cycles — specific deadlines are posted in AcademicWorks and vary by department
Non-Renewable
$500–$1,000
✔ Stackable
🎓 Junior

Stacking & Combining
Research grants layer on top of other UCF aid and are typically used for direct research costs — lab supplies, conference travel, participant compensation. They stack against cost of attendance but rarely bump against the ceiling because the amounts are modest.

📄
How to Apply
Your student must first be admitted to Burnett Honors College's Honors Undergraduate Thesis (HUT) program, secure a faculty mentor, and enroll in HUT credit hours. Then apply through their college or department's HUT scholarship cycle via AcademicWorks — many departments (Psychology, Sciences, Engineering, etc.) run their own grant competitions each term.
✎ Essays💌 Letters of Rec

💡
Strategic Detail
Multiple UCF colleges and departments partner with Burnett Honors College to offer HUT research grants each term, typically in the $500–$1,000 range. Amounts and eligibility vary by department; check the specific college's HUT scholarship page for the most accurate figures.
🕵
Who Actually Wins
Most winners: Upperclassmen (usually juniors and seniors) admitted to the HUT program with a well-defined research question, a supportive faculty mentor, and a clear plan for how the funds will advance the thesis. Departments often prioritize projects with conference or publication potential.
App Required⚠ All Undergrad Only
National Fellowship Mentoring (Prestigious Awards)
📅 Deadline: Varies by fellowship — most nationals have early fall or winter deadlines with campus deadlines set weeks earlier
Non-Renewable
$7,500–$30,000/yr
✔ Stackable
🎓 All Undergrad

Stacking & Combining
These are typically standalone national awards paid directly to your student or their graduate program — they don't stack against UCF cost of attendance in the traditional sense. Winning one can transform a graduate school application and dramatically expand the family's funding options for advanced study.

📄
How to Apply
Work with UCF's Office of Prestigious Awards (OPA), housed within Burnett Honors College. Students meet with OPA staff to identify target fellowships (Goldwater for STEM, Truman for public service, Rhodes/Marshall for UK graduate study, Fulbright for international research, etc.), then get one-on-one mentoring on essays, interviews, and campus endorsement.
✎ Essays🎤 Interview💌 Letters of Rec🌟 Finalist Event

💡
Strategic Detail
This is a mentoring and application-support pipeline, not a single scholarship. The $7,500–$30,000 range represents typical award values across the major national fellowships UCF supports. OPA guides students through campus endorsement, essays, interview prep, and finalist rounds.
🕵
Who Actually Wins
Academically exceptional students with a clear intellectual or service mission — think top GPAs, sustained research or leadership involvement, and a compelling personal narrative. OPA mentorship is what takes a strong candidate to a truly nationally competitive one. Historically most successful applicants are Burnett Honors College students.
Data last verified Aug 31, 2026.* GPA/test bands are estimates based on official selectivity and prior cohort profiles. "Who Actually Wins" insights are pulled from external peer-sourced data where students and parents have reported real-world award results. Because colleges can change funding thresholds and deadlines at any time, always verify these details with the institution before finalizing your application strategy.
Two automatic Honors doors worth knowing about:
  • 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.
Beyond the freshman door
  • 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.

Sources:
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.

Nationally Known Program:
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.
The number that surprises people

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.


✅ Wrapping It Up

If you take one thing from this page, take the calendar. UCF is one of the better values in American public higher education for a Florida family, and it is a genuinely good school for an out-of-state student who understands what they are signing up for. But UCF does not run its scholarship program on a published grid. It runs it on a budget, and that budget empties by mid-January. Your student’s transcript matters. So does the postmark.

For Florida families, the math is unusually friendly. Bright Futures at the Academic Scholars level covers tuition outright, Pegasus layers on top of it, and a National Merit Finalist can walk into a state-funded full ride through Benacquisto. The remaining bill is housing and food, which is a very different conversation than the one most families are having about college costs.

For out-of-state families, be clear-eyed. Non-resident tuition climbed sharply for 2026-2027, only about 6.7% of the first-year class comes from outside Florida, and the merit help arrives as a fee waiver that posts after add/drop rather than money you can count on at the payment deadline. UCF’s National Merit package is genuinely competitive nationally. Below that tier, run the net price calculator before you get attached.

Either way, the moves are the same and they are all early. Apply by October 15. Get materials in by November 15. File the FAFSA by December 1 whether or not you think you qualify, because UCF’s own pages cannot agree on whether Pegasus requires it. Apply to Honors by February 1 if your student is in range, and deposit early so the seat holds. Then get into A2O each January and actually finish the general application, because that is the door almost everyone leaves closed.

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Leo Dimilo
About Leo Dimilo
Leo is the founder of CollegeReadyParent, where he digs through university financial aid pages, Common Data Sets, and state aid rules so parents don’t have to. He writes for families who want the real numbers, not the brochure version.
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