Financial Planning


Transit Financial Wellness

Students face financial decisions which can cause significant stress and have major life-long consequences.

Transit Financial Wellness is a personal financial education course meant to educate and empower students to make well-informed financial decisions and prevent financial behaviors that could negatively impact their futures.

Transit is also a required part of the WVU Graditude program. Click here for more about Graditude.


Who Must Complete Transit?

Every incoming WVU student required to take a first year seminar course is required to complete Transit. However, every student has access to Transit.

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When Is Transit Available?

Part 1 of Transit is available starting July 11, 2016 for incoming students for Fall 2016. Part 2 opens on October 17, 2016.

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What Are Important Deadlines?

Please note these deadlines are for Morgantown campus only. Click the link to your campus under “How Do I Access Transit?” for Potomac State and WVU Institute of Technology deadlines.

  • July 11, 2016: Part 1 of Transit available for Fall 2016. It takes about 60 to 90 minutes to complete.
  • September 12, 2016: Part 1 of the Transit Course must be completed and the quiz passed with a score of 70% or better.
  • October 17, 2016: Part 2 of Transit available for Fall 2016. It takes about 15 minutes to complete.
  • December 5, 2016: Part 2 of Transit must be completed. Print the certificate of completion from the Transit website as a back-up.

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How Do I Access Transit?

Click the link for your campus below.

Log in using your WVU Login credentials. If you have not activated your account, go to WVU Login Self Service and click on “Claim Account.”

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What if I Have Technical Difficulties?

You may experience problems loading the Transit site if you are using Internet Explorer. Firefox, Chrome, or Safari are recommended.

  1. If you have trouble logging in, make sure your WVU credentials are working. Visit WVU Login Self Service or contact the Information Technology Service Help Desk at 304.293.4444 or ITSHelp@mail.wvu.edu.
  2. If you experience technical problems while logged into the course, click the “Help” button to access EverFi’s 24/7 technical support.
  3. Email any other issues to TransitFinancial@mail.wvu.edu.

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Developing a Four-Year Financial Plan

An important part of the college experience is learning to manage personal finances. Paying for college isn’t a small task, and it takes an understanding of your finances – what you should and should not spend your money on – to graduate with the least amount of debt.

To help you work toward this goal, we have developed a Budget Calculator to assist you with creating a four year financial plan. This plan should be completed in your first year at WVU. The calculator is an important tool that if used correctly and followed diligently, can allow you to maximize your finances and make the most of your college experience.

Budget Calculator

Should you have questions, contact us by email at TransitFinancial@mail.wvu.edu.





Living expense refunds from financial aid are for educational purposes for a semester. In many cases a portion or all of your refund consists of federal, institutional, and/or private loans. You will be required to repay these funds in the future. Not to mention, most borrowers will have to pay interest in addition to repaying the principal balance.


money-budget

Budget …

and decide if you can afford to return a portion or all of the money that you have borrowed to the Office of Student Accounts or the Financial Aid Office.

* Repay and Save
money-save

Save …

on all of your expenses; opportunities are endless:


money-seek

Seek …

scholarships (they won’t come and find you):


money-earn

Earn …

money now by working a job and explore future careers:


money-know

Know …

how much you’ve borrowed in federal student loans; how much interest is accruing; how to contact your federal loan servicer using the National Student Loan Data System at nslds.ed.gov

Example: What is an extra $2,000 per year in an unsubsidized student loan? It could end up costing you an additional $3,250 in interest if you select a Standard repayment plan and it takes you 10 years (120 months) to pay off the loan. If you select a plan in which it takes 20 years (240 months) to pay off the loan, you end up with an additional $5,820 in interest. You could have been saving that money for a future house, car, etc. instead! Try out our in-school interest calculators and the mapping your future student loan (repayment) calculator.


Disclaimer: These calculators are provided only as general self-help planning tools. Results depend on many factors, including the assumptions you provide.