The Financial Aid Award Guide is a reference to help you through the process of assessing your award and planning your finances for the coming year.

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1 Award Guide Index The Financial Aid Award Guide is a reference to help you through the process of assessing your award and planning your finances for the coming year. The resources available in this guide and throughout the Financial Aid Office website offer comprehensive information about financial aid requirements and programs. As a student, you are responsible for using these tools to understand all aspects of financing your education. This guide is divided into three sections: I. Eligibility Requirements for Financial Aid..Page 2 Review your student responsibilities and how they impact aid, including enrollment status, outside aid, special circumstances, and satisfactory academic progress. II. Sources of Financial Aid....Page 6 Learn about grants, scholarships, loan and work-study programs. III. Managing Costs & Payment with Financial Aid...Page 10 Find out more about calculating costs, billing and payment plans, bookstore charges, and refund checks. If you have questions about your program expenses or financial aid options after reviewing this information, please contact your financial aid counselor. Award Guide www2.stkate.edu/financial-aid/home Page 1

2 I. Eligibility Requirements Communication: Your St. Kate's is the official means of campus communication. The Financial Aid Office may send document requests, notices of revision to your financial aid, or other important information about your eligibility exclusively to your St. Kate's . As a student, you are responsible for checking your on a regular basis, including during interim and summer breaks. Impact of Enrollment on Financial Aid Awards: Your St. Catherine University (hereafter referred to as the University ) award is based on many variables, including the housing choice you indicated on the Free Application for Federal Student Aid (FAFSA) and your enrollment. Awards are based on the number of credits you reported for your planned enrollment on the St. Catherine Financial Aid Application, or in some cases the typical enrollment for your program of study. Your financial aid will be applied to your account according to your actual enrollment at the time of disbursement. We encourage each student to create a budget of anticipated expenses based on actual registration plans and living arrangements using our Cost Estimation Worksheets available on our website. Students may enroll in parts of term that are less than a full semester in length, depending upon availability of courses. Parts of term include: J-term, first or second half terms, and 5-week terms. The Cost of Attendance used to determine eligibility for aid is based upon your total credits of enrollment as well as the length of your enrollment during the semester. Students whose enrollment does not span the full length of a semester are subject to proration of their Cost of Attendance. Should you enroll for a course that is less than a full semester in length, your eligibility for aid could be affected. Review the University calendar at the Registrar's webpage for more information regarding parts of term. If you have any questions about your registration and eligibility for aid, contact the Financial Aid Office. Enrollment Requirements to Receive Financial Aid: In order to be eligible for most types of aid, you must be minimally enrolled at half-time status as defined by your program: For Associate, Day, Evening/Weekend/Online, College for Applied and Continuing Learning (CACL), and OTA Online-VA students, half-time status is defined as six credits registered per semester. For Graduate students, half-time status is defined as three credits registered per semester. Cross-registration between Day and Evening/Weekend/Online is not allowed at the University. January term (J-term) classes through the University are counted as part of Spring registration. In determining your credit load, do not include: courses that you did not register for at the University Registrar s Office audits non-credit courses College Level Examination Program (CLEP) coursework Credit for Academically Relevant Learning (CARL) coursework Please note: if a course is considered passed by the University, you cannot receive financial aid for retaking the course more than once. If you need to take a course three or more times to raise your Award Guide www2.stkate.edu/financial-aid/home Page 2

3 grade for a major or other requirement, it will not be counted in your enrollment for the purposes of financial aid. Enrollment Deadlines to Receive Financial Aid: For maximum financial aid eligibility, students should complete registration for all courses by: 9/16/2015 for Fall /10/2015 for Fall 2015 II (OTA Online-VA) 1/13/2016 for Winter 2016 II (OTA Online-VA) 2/8/2016 for Spring /11/2016 for Summer 2016 II (OTA Online-VA) TBD for Summer 2016 (Please check our website) MN State Grant Deadlines: There are additional, separate deadlines for students eligible for the Minnesota State Grant. Students must submit a FAFSA within 30 days of the start of the term in order to be eligible for Minnesota State Grant funding in that term. Late applicants may still receive Minnesota State Grant for subsequent terms. Below are the deadlines for each semester: Fall 2015 the FAFSA receipt date must be on or before 10/8/2015 Spring 2016 the FAFSA receipt date must be on or before 3/1/2016 TBD for Summer 2016 (Please check our website) Impact of Changes in your Family, Financial or Academic Circumstances: Family and Financial Situation: The FAFSA captures a snapshot of a family s financial information; we recognize that you may experience changes to your household and income that are not reflected on your FAFSA. Please contact the Financial Aid Office if your family s situation changes and we may recommend that you complete the Special Circumstances Form. We will be happy to re-evaluate your status with the new information and help you to determine what options are available in your current circumstances. Satisfactory Academic Progress: In accordance with federal regulations, the Financial Aid Office measures academic performance and enforces a Satisfactory Academic Progress policy to ensure that financial aid recipients progress toward completion of their degree or certificate program. The academic progress for every financial aid applicant will be reviewed after each term. All of a student s academic coursework is considered in the review process, whether the student received aid in a term or not. The assessment will be based on the student s entire academic record, including all transfer credit hours accepted. To demonstrate satisfactory academic progress, a student s academic performance must meet minimum requirements, including: a minimum 2.0 cumulative grade point average (GPA) for undergraduate students a minimum cumulative GPA that is equal to or greater than the graduation standards published by each program for graduate students a cumulative 67% credit completion rate (ratio between attempted and passed credits) completion of the degree or certificate program within a maximum timeframe of 150% of the published program length Award Guide www2.stkate.edu/financial-aid/home Page 3

4 If you do not meet the standards mentioned above at the time of review, you will be placed on financial aid warning status for the upcoming term. Students on warning status are eligible for financial aid. If you meet the minimum cumulative requirements by the end of your warning term, you will be removed from warning status. If you do not meet the terms of the warning status, you will be suspended from financial aid for the following term. While on suspension, students are not eligible for federal, state or University aid. A student may appeal her/his suspension based on documented special circumstances. Please review the University s Financial Aid Satisfactory Academic Progress (SAP) Policy, (available on the Financial Aid website under Policies), for a more thorough understanding of this policy. Withdrawal from Courses: Financial aid recipients who withdraw or take an approved leave of absence from school during the term are subject to a recalculation of their aid eligibility. Federal, state and University regulations require a school to adjust a student s aid based on several factors, including the date of withdrawal, the amount and the type of aid disbursed. For federal funding, this general policy references the Federal Refund Policy (Title IV Funds 34 CFR ), which applies to any student who receives federal Title IV funding and then withdraws or ceases to be enrolled prior to the end of a term. The Return of Title IV Funds formula determines the amount of Title IV funds a student has earned and the amount of funds that the student must return based on the date the student ceases attendance. The amount of Title IV funds a student earns is a proportional calculation based on the amount of time the student attends, up through the first 60% of the term. If you are enrolled in a course that does not span the entire length of the semester and change your enrollment, you may be subject to a return of funds calculation. If a student ceases to attend classes after completing 60% or more of the term, then the student has earned 100% of her/his Title IV aid. If an unofficial withdrawal is determined (the student has all failing grades or non-credit grades during a single term), the student is considered to have completed 50% of the term. Her/his Title IV aid will be recalculated appropriately based on this assumed date of unofficial withdrawal or the last documented date of attendance. Refunds for state and University aid programs are calculated on a proportional basis using the state mandated and institutional refund policies. Award Guide www2.stkate.edu/financial-aid/home Page 4

5 Applying for Future Financial Aid:You must apply for funding annually within the published deadlines. Renewal of financial aid is based on meeting satisfactory academic progress standards, continuing financial aid eligibility and the availability of funding. Every effort is made to renew funding for continuing students. All student aid programs are subject to changes in regulations and/or appropriations. Most financial aid programs are designed to assist students in the first four years of undergraduate study. A student requiring additional years of schooling may exhaust eligibility before program completion. Award Guide www2.stkate.edu/financial-aid/home Page 5

6 II. Sources of Financial Aid: Your financial aid award lists a variety of different types of aid options to assist you in financing your education. However, all students have the right to decline types of financial aid or other assistance listed on the award letter that they do not choose to utilize. GIFT AID: Scholarships & Grants: Scholarships and grants are gift aid funds that you do not have to repay; these funds are awarded based on merit and/or need. Institutional Gift Aid: St. Catherine Grant: Awarded based on financial need, enrollment status, housing choice and academic record. St. Catherine Merit Scholarships: St. Catherine University scholarships are awarded based on academic merit, talent, and/or personal characteristics to entering students at the time of admission to the University. Most scholarships require full-time enrollment (twelve or more credits for associate, day, Evening/Weekend/Online, College for Applied and Continuing Learning (CACL), and OTA Online-VA students and six or more credits for graduate students). St. Catherine Endowed Scholarships: The selection process for named, endowed scholarships is directed by the wishes of the donor of the award. Endowed scholarships generally help fund a portion of students St. Catherine Grants. Federal & State Gift Aid: Federal Pell Grant: Awarded to undergraduate students based on financial need. The current lifetime limit for Pell Grant eligibility is 12 semesters of full-time study. Federal Supplemental Educational Opportunity Grant (SEOG): As federal funds are available, SEOG is awarded to Pell recipients who demonstrate exceptional financial need. Federal TEACH Grant: Provides grants up to $4,000 per year to students who intend to teach in a high-need field at a public or private elementary or secondary school that serves students from low-income families. Recipients must teach for at least four academic years within eight years of graduation. Noncompliance with program requirements will convert the TEACH grant into a Federal Direct Unsubsidized Loan, which would then need to be repaid with interest to the U.S. Department of Education. Learn more and complete your application by visiting our website. Minnesota State Grant: Minnesota State Grants are funded for the equivalent of eight semesters of full-time enrollment. Coursework you repeated, earned no credit for, did not complete or withdrew from, and/or for which you received an F, I, W, or U grade all count toward your total terms of eligibility. Coursework that you completed at another post-secondary institution but that did not transfer into St. Catherine University for credit also counts toward your total terms of eligibility. The University does not replace the loss of the Minnesota State Grant with University grant funds. If, based on prior post-secondary coursework and your future enrollment at St. Kate s, you anticipate exceeding a total of more than four years of attendance, you should review your Minnesota State Grant eligibility with a financial aid counselor. To receive the maximum award, a student must enroll for at least fifteen credits per semester. Awards are reduced on a per-credit basis. January term credits are usually added to spring semester enrollment. The amount listed on your award is subject to change according to changes in legislation at the state level each year. Award Guide www2.stkate.edu/financial-aid/home Page 6

7 Outside Gift Aid: Please refer to the Impact of Outside Awards on Financial Aid at the end of this section. Outside Scholarships: Scholarships from outside sources are applied to your account when they are received and only in accordance with the donor s instructions. Students can search for additional outside scholarship opportunities on our website. Employer Reimbursement: Please complete the Outside Aid Form if you will be receiving this benefit. Most employers require students to fulfill course requirements and receive a grade before they reimburse students for tuition and/or fees. Tuition Remission: Employees must complete the required paperwork each term with their home campus Human Resources department. SELF-HELP AID: Work Study (Student Employment) & Loans: Self-help forms of aid must be earned or repaid. All students are responsible for repaying any loans borrowed and for paying their University bill, regardless of whether the student is successful in completing her/his program and obtaining employment. Work Study (Student Employment): Federal and State Work-Study programs provide students with an opportunity to gain meaningful employment to help finance their college education. The awarded amount is an estimate of the student s earning potential during the academic year; it does not guarantee job placement or a minimum number of hours. Workstudy earnings are not an up-front credit on your student account; students must obtain a job and work regular hours in order to secure these funds. Learn more about work-study and how to apply for jobs on our Resources web page or the University Student Employment web page. Loans: Loans are awarded based on student eligibility; you will automatically be considered for the best loan available. We encourage you to borrow only the minimum necessary to cover your educational expenses. o Loans must be repaid with interest. Some loans accrue interest immediately upon disbursement; others will not begin to accrue interest until after graduation. o You are responsible for repaying any loans borrowed and for paying your University bill, regardless of whether you are successful in completing your program and obtaining employment. o It is important for you and your family to consider how much to borrow. The loan calculators at are an excellent resource to better assess how much loan money you need and how much you can afford to pay back. ~ Federal Direct Subsidized and Unsubsidized Loans: St. Catherine University participates in the William D. Ford Federal Direct Loan Program. The program provides low-interest loans for students enrolled at least half-time. Borrowers are required to complete a Loan Authorization. New borrowers must also complete Loan Entrance Counseling and a Master Promissory Note (MPN) before funds can be disbursed. Detailed instructions are posted on our Financial Aid Web Pages. A legislative change effective July 1, 2013 mandated a time limitation of Direct Subsidized Award Guide www2.stkate.edu/financial-aid/home Page 7

8 Loan eligibility for first-time borrowers. This change puts a limit on the maximum period of time (measured in academic years) that a student can receive Direct Subsidized Loans. In general, students may not receive Direct Subsidized Loans for more than 150% of the published length of their program. For more information regarding this 150% limitation on Direct Subsidized Loans please visit the Federal Student Aid site at studentloans.gov. ~ Federal Perkins and Nursing Loans: Federal Perkins Loans are awarded to students with exceptional need. Federal Nursing Loans are awarded to students accepted into the Nursing Program who demonstrate financial need. Information and instructions on signing promissory notes will be available prior to the start of the academic year and can be found on St. Catherine s Student Accounts web pages. Please note that the Federal Perkins Loan Program is expiring. The Department of Education has given schools limited authority to make loans to new students for the academic year. Students must complete the Perkins Loan entrance counseling and promissory note, and the school must disburse the fall semester loan to the student s account by September 30, 2015 in order for new students to receive the second semester, or spring, loan disbursement. Returning students who have previously borrowed a Perkins Loan should complete all application materials by mid-september in order to ensure disbursement by 9/30/2015. After 9/30/2015, returning students may fall into a narrow grandfathering provision that allows for later Perkins loan disbursements. To meet the grandfathering provision, the student must o have received at least one Perkins Loan disbursement on or before June 30, o be enrolled at the same institution where the last Perkins loan was disbursed o be enrolled in the same academic program for which the student received her last Perkins disbursement. Note: For all of the federal loan programs listed above, once you graduate, withdraw or drop below half-time status for your program, you must complete an exit interview. ~ Federal Parent PLUS Loan: The PLUS Loan is available to parents of dependent students who wish to borrow a loan in the parent s name to help finance their student s education. PLUS Loans are initially awarded up to the student's full cost of attendance (including non-billed allowances for expenses such as transportation) to demonstrate maximum available eligibility for federal loans. The Financial Aid Office encourages families to borrow the minimum necessary to cover required costs. Detailed instructions are posted on our Financial Aid Web Pages. Note on denial: Federal program guidelines stipulate that if a parent is denied the PLUS loan due to adverse credit, the student may borrow additional funds from the Federal Direct Unsubsidized Loan program. ~ Federal Graduate PLUS Loan: The Graduate PLUS loan is available to graduate students whose Federal Direct Loans are not enough to cover their educational expenses. Graduate PLUS Loans are initially awarded up to the student's full cost of attendance (including nonbilled allowances for expenses such as transportation) to demonstrate maximum available Award Guide www2.stkate.edu/financial-aid/home Page 8

9 eligibility for federal loans. The Financial Aid Office encourages students to borrow the minimum necessary to cover required costs. Detailed instructions are posted on our Financial Aid Web Pages. Note on denial: Federal program guidelines stipulate that any borrower with adverse credit be denied the Graduate PLUS loan. If you are denied, review the options available on the Direct Graduate PLUS webpage. ~ Private Alternative Student Loans: A student s eligibility for private alternative loans is based on her/his educational cost of attendance, less any other financial aid received. Students are approved by the lender of their choice based on their credit-worthiness and/or the creditworthiness of their cosigner. Please note that as private student loans are essentially a commercial product with varying requirements and benefits, our office cannot recommend any one loan option over another. Impact of Outside Awards on Financial Aid Awards Not Listed: You are required to report outside funding, including any Veteran s Education Benefits, to the University. If you are the recipient of any scholarship, grant or benefit not listed on your award letter from a social service agency, tribe, club, foundation, employer or other outside organization, please notify us of the source and amount of your award using the Outside Aid Form on our web site. If adjustments are required to your financial aid award, need-based loans, student employment and St. Catherine Grant may be reduced. Estimated Awards: All non-university awards are estimated until the funds are received and disbursed to your student account. It is your responsibility as an aid recipient to make proper application to the funding sources as necessary. The University will not offer replacement funds if you fail to complete the process by established deadlines. Award Guide www2.stkate.edu/financial-aid/home Page 9

10 III. Award Guide: Cost & Payment Calculating Your Cost to Attend: Your award was individually designed for you based on your unique financial and academic circumstances. If you are new to St. Catherine University, your award package was mailed to your home address, along with worksheets to aid you in your decision process. Returning students utilize our secure portal website, Kateway, to evaluate awards. For an average program budget: To calculate the Cost of Attendance, also called Budget, we use a matrix of program costs based on averaged expenses and enrollment for each type of academic program. These program costs determine a student's financial aid budget, and are used as a baseline for developing financial aid awards to help meet educational needs. Tuition rates are calculated using per credit program tuition costs and average registration at each enrollment tier (full-time, three-quarter-time, half-time, less-than-half-time). Fees include mandatory program and student fees, but do not automatically include student- or course-specific fees. Housing costs are calculated based on a comparison of standard on-campus living rates, local off-campus living rates, and estimated expenses for students living with family members. Meal costs are based on on-campus meal-plan options as well as local cost-of-living indexes. Book expenses are averaged based on overall student book costs, and are not specific to individual courses. Personal and travel expenses are established by using national and local comparisons, and are not specific to individual choices. Tuition rates and costs change for every academic year. Current costs can be found on the University website under your specific program, or on the Financial Aid webpage under Tuition and Expenses. You can also meet with a financial aid counselor one-on-one to review your financial aid eligibility and anticipated student bill. Disbursement of Aid to Your Account: All funds are credited directly to your student account proportionally per academic term, unless the funding source stipulates otherwise. All amounts listed on your award letter are based on the enrollment assumptions outlined in the Eligibility section, and will be disbursed to your account according to your actual registration. For example, if your fall semester registration is six credits, the six credit Minnesota State Grant amount will be applied to your account for fall term (regardless of the amount listed on your initial award letter). Timing of Disbursement: Students may enroll in parts of term that are less than a full semester in length, depending upon availability of courses. Parts of term include: J-term, first or second half terms, and 5-week terms. Generally, funds will disburse to your account on the first day of the earliest part of term for which you are registered. An exception to this is J-term; funds for J-term courses will disburse on the first day of Spring semester. If you are enrolled in any course beginning on the first day of the semester (full term course, first half term course, or first five weeks of term course), all funds eligible for disbursement will disburse at the beginning of the semester. This will include funds for Award Guide www2.stkate.edu/financial-aid/home Page 10

11 registration in other parts of the term (second half term, second five weeks, third five weeks). For example, if you are enrolled in both a full term course and a second half term course then the funds for both parts of term will disburse at the beginning of the semester. If you are only enrolled in part of term courses and the earliest part of term does not start at the beginning of the semester (second half term, second five weeks, third five weeks), then all funds eligible for disbursement will be disbursed at the beginning of the part of term that you will attend. For example, if you are only enrolled in a second half term course then all funds eligible for disbursement will be disbursed at the beginning of the second half term. Paying Your University Bill: The Student Accounts Office will you before the beginning of each term when your preliminary online statement is available. The statement provides an itemized listing of all charges for your classes, room and meal plan. In addition, it will show an estimate of the financial aid that can be directly credited toward your charges. Keep in mind that the aid amounts listed are subject to change if your enrollment is less than full-time, if your housing choice has changed, if you have received additional resources that were not considered when your award was prepared, or if there will be loan fees deducted from your awarded amounts before they are applied to your account. After your preliminary statement, the Student Accounts Office will you monthly when your billing statement has been prepared. It is important for you to review your account every month to ensure that your charges, aid, and any remaining balance match your expectations. Please be sure to check your St. Kate s regularly for updates, and share your billing statement with your parents or other family members who will be helping to pay your college expenses. For more information about your statement and payment plan options, please contact the Student Accounts Office at (651) (Minneapolis) or (651) (St. Paul). The University accepts American Express, Discover, MasterCard and VISA for payment of tuition, fees, and room and board. Bookstore Charge Accounts: Bookstore Account: The University will allow any student in good financial standing to establish a bookstore charge account for purchasing textbooks. To have your books billed directly to your student account, please take a copy of your course schedule and your student ID card to the Minneapolis or St. Paul bookstore at the time of your purchase. Please contact your campus bookstore via their webpage at or via phone: (651) for Minneapolis, (651) for St. Paul. Refund Checks: Financial aid that is in excess of the charges on your student account will be issued as a refund. Excess financial aid refunds are processed beginning 14 days after disbursement. Please note that aid for J-term courses will disburse on the first day of spring semester. If the last transaction on your account was a credit card payment, your refund will be credited back to that credit card. If your last payment was by a Parent PLUS Loan, your refund will be issued to the borrower of that loan. Issuance of Refunds: Refunds will be issued directly to the student via: Award Guide www2.stkate.edu/financial-aid/home Page 11

12 1) Electronically via direct deposit (e-refund). The Student Accounts Office requests that all students sign up for e-refunds. For directions on how to sign up for e-refunds, visit the Student Accounts web page. -- OR -- 2) Paper check. This will be printed and held in the St. Paul Student Accounts Office. Student will be contacted via their St. Kate s and asked to set up direct deposit. Checks that are not picked up within two weeks are automatically mailed. For more information on the refund process, contact the Student Accounts Office at (651) Award Guide www2.stkate.edu/financial-aid/home Page 12

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