Financial aid consumer information requirements

The information on this page is a legal requirement Massey University must provide about financial aid, our campuses, facilities and policies.

Institutional and financial assistance information for students

Massey will annually provide a NOTICE directly (one-on-one distribution) to all enrolled students linking to the below consumer information, including the various disclosures and how to obtain the full disclosures.

Application process

Each year, everyone applying for US financial aid needs to fill in a:

  • UA Financial Aid Declaration
  • Free Application for Federal Student Aid (FAFSA) form.

If you're a new student at Massey, you need to fill in the financial aid enquiry form as well. The links and details to this can be found in the Application Forms section of the Massey University Financial Aid webpage.

Award amount determination

Your loan is unique to you and there are criteria for determining the amount of a student's award. You can use the eligibility estimation tool at Federal Student Aid to find out if you qualify and how much you may get. However, this is only an estimate, the only way to find out for sure is to apply.

Federal aid money is disbursed to Massey, which is used to pay your tuition fees and then transfer any money left into your New Zealand bank account. Our website has further details regarding the disbursement of your loan and our US Federal Student Aid Loan Disbursement Policy.

ED materials

US Financial Aid students at Massey University should research all the details about student loans before accepting your US Financial Aid package. We would recommend you visit to research all the different loans available through the Direct Loan program.

Student eligibility requirements

To qualify as an eligible student. These can be found on our Who can apply for US Financial Aid page.

Student rights and responsibilities

A US Financial Aid student at Massey University must meet all application conditions and criteria for continued student eligibility. Students receiving US Financial Aid at Massey University must maintain Satisfactory Academic Progress (SAP). Under our SAP policy, if a student fails to meet SAP a student will be placed on a Financial Aid warning. If the student fails to meet SAP at the end of the warning semester, they will lose their US Financial Aid eligibility but will have an opportunity to appeal to regain their eligibility. The appeals process is outlined in the SAP policy.

Entrance and exit counselling

Entrance and exit counselling is a requirement for all Massey US Financial Aid students. Our entrance counselling ensures a student understands the terms and conditions, your student loan, as well as your rights and responsibilities. Entrance counselling must be completed before receiving any US financial Aid loan funding. Our exit counselling must be completed when you leave school or drop below half-time enrolment. The purpose of your exit counselling is to ensure you understand your student loan obligations and are aware of your rights and responsibilities as you prepare for repayment.

Institutional Information

Academic information

You must be enrolled at least half-time in an eligible programme to be eligible for US Financial Aid. Massey University’s bachelor's degrees are eligible programmes at the undergraduate level and our master's and doctoral degrees are eligible programmes at the postgraduate level.

Programmes that are not eligible for US Financial Aid:

  • Non-degree qualifications, such as diplomas and certificates
  • Bachelor of Nursing
  • Outbound Study Abroad/Exchange programme
  • Online (Distance) programmes
  • Joint Degrees
  • Foundation or ESOL programmes
  • Any degrees that have an internship requirement
    • Master's and PhD in Clinical Psychology
    • BA Retail and Business Management

School Cost

The cost of attendance at Massey University is calculated using applicable components like tuition fees, non-tuition fees, travel allowance for a return flight from the US to NZ, insurance, living allowance (accommodation, food allowance and miscellaneous expenses allowance)

We have further details to assist you with your preparation to arrive in New Zealand and what to expect as an international student.

Disability-related services and facilities

Massey University has support services and resources for students with disabilities, impairments, and health issues. Please visit our Disability Services section to review all the services available to students and how to access them.

Refund policy

Massey has a comprehensive Refund Policy that outlines your rights and responsibilities.

Return of Title IV funds policy

Massey has a detailed Return of Title IV Policy

Study Abroad information

A student's enrolment in a programme of study abroad at Massey University may be approved for credit by the student’s home institution and that enrolment may be used at the home institution to apply for assistance under the title IV, HEA programs.

Withdrawal procedures

Massey University’s determination of the withdrawal date and the details of the calculation for the return of Title IV funds are outlined in the Return to Title IV Policy.

Written arrangements (consortium and contractual agreements) with other institutions

US Financial Aid students at Massey University are not eligible to study under a consortium agreement or written arrangement under which another eligible institution or consortium provides part of the educational program or provides part of the educational program to students under a study abroad program.

FERPA of 1974 – US students only

Although the Family Educational Rights and Privacy Act (FERPA) does not apply to New Zealand, Massey University is committed to upholding the principles within Act.

Access to, amendment and disclosure of, education records and protection of personal data is provided by Massey University in accordance with Privacy Act 2020, the Public Records Act 2005 and if you are in the European Union, the General Data Protection Regulations (GDPR). Massey University’s Privacy Policy outlines a student’s rights to review their educational records, to request amendment of records, and to consent to disclosures or personally identifiable information. In the Privacy Policy, the procedures for reviewing educational records and requesting amendment of records information as well as Massey’s policy regarding disclosures to school officials with a legitimate educational interest in the educational records.

Should you have a complaint about the processing of your US loan, you have the right to file complaints with the US Department of Education, although it would be preferable that you contact Massey University's Federal Aid Administrators in the first instance so that they can try to resolve the problem for you (email

Safeguarding Customer Information

Massey has extensive policies to safeguard consumer information. In particular the following;


Massey is committed to ensuring the highest standard of ethical conduct in its activities and operations. This is reflected in our commitment to not tolerate fraud and corruption of any sort. These are details in our Fraud and Corruption Policy.

Loan Disclosures

Exit Counselling

Direct loan student borrower who is graduating, leaving school, or dropping below half-time enrolment must complete exit counselling. A student will be emailed instructions on how to complete this requirement. If a student drops out without notifying Massey University, the student will be emailed exit counselling instructions within 30 days of separation that must be completed as soon as possible.

Providing borrower information at separation

Massey will collect personal information at the time of exit counselling. This will be given to the student’s loan servicer within 60 days. No permission is needed as you granted this authorization upon signing the promissory note.

Private Education Loans

Massey will ensure that any student enquiring or indicating they may look to a private education loan is informed that they may qualify for FSA loans and that the terms and conditions of FSA loans may be more favourable than the provisions of private education loans.

Schools as private lenders

Massey does not solicit, make, or extend private education loans, and therefore is not considered to be a private education lender nor therefore subject to the Federal Reserve’s regulations on private educational lenders.

Preferred lender list

Massey does not have a preferred lender agreement with any specific lender of private education loans and will not endorse, promote, or recommend any United States-based private education loan provider who may offer loans for study at foreign schools. Massey University will, in most cases, work with any private lender a prospective borrower decides to use. However prospective borrowers should be aware that most private lenders choose not to offer loans to students studying outside the United States. Any reference to Sallie Mae in Massey University communications or on the Massey University website does not represent the existence of a ‘preferred’ lender. If other private lending companies start to offer private education loans for study at foreign universities, they will be given equal visibility. Massey University has no affiliation with and receives no financial incentives from Sallie Mae or any other private lender.

Code of conduct concerning loans

Massey University financial aid staff will always maintain exemplary standards of professional conduct in all aspects of carrying out their responsibilities, specifically including all dealings with any entities involved in student financial aid. In doing so, the Massey University financial aid staff will:

  • Refrain from taking any official action through which an employee may derive a personal benefit or financial gain.
  • Refrain from taking any action we believe is contrary to law, school policy, or not in the best interests of our students.
  • Ensure that the information we provide is accurate, unbiased, and does not reflect any preference arising from actual or potential personal gain. Although Massey University participates in the Direct Loan program, we have not and will not engage in any contractual relationship with a private loan lender nor steer our students to one lender over another. We do not have a preferred lender list of private loan lenders and will certify any loan from any lender the student chooses.
  • Refrain from soliciting or accepting anything of value from any lender or financial institution involved in the making, holding, consolidating, or processing of student loans, including anything of value in exchange for serving on an advisory body or participating in a training activity sponsored by any such entity.
  • Disclose to Massey University any relationship which may be a conflict of interest with any entity involved in any aspect of student financial aid.