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Yes. You must apply for federal student aid for every school year that you attend. To reapply, you should submit a FAFSA. If you submitted a FAFSA last year, and you are eligible to complete a Renewal FAFSA, you may choose to have most of the questions pre-filled with the information you provided. Simply updating the information for the new school year on a Renewal FAFSA may be faster. However, the Renewal FAFSA is available solely for your convenience. If you prefer to start fresh with a new FAFSA, you are free to do so. 

Note: If you are eligible to complete a Renewal FAFSA, you will be asked to provide your FSA ID, as well as answers to income, asset, and tax questions. You must also update any information that has changed since last year. Keep in mind that your eligibility for financial aid may change significantly, especially if you have a different number of family members in college. 

Some students applying for financial aid at �鶹��Ƶ are selected for the Verification process. Financial aid eligibility cannot be determined until the Verification process is completed.
 

Submit documents to the financial aid office.

There are a variety of financial aid sources available to help you pay for college. Financial aid can come from the federal and state governments, school, and private sources.

Grants: A grant is a form of financial aid that does not have to be repaid (unless, for example, you withdraw from school and owe a refund, or you receive a TEACH Grant and do not complete your service obligation). A variety of federal grants are available:

• Pell Grants,
• Federal Supplemental Educational Opportunity Grants (FSEOG),
• Teacher Education Assistance for College and Higher Education (TEACH) Grants,
• Iraq and Afghanistan Service Grants.

Scholarships: Many nonprofit and private organizations offer scholarships to help students pay for college or career school. This type of free money. Some awards are based on financial need. Others are based on academic achievement, community service, church affiliation, artistic talents, or athletic ability. 

Loans: When you receive a student loan, you are borrowing money to attend a college. You must repay the loan as well as interest that accrues. It is important to understand your repayment options so you can successfully repay your loan. There are four (4) main types of loans available to undergraduate students: 

• Subsidized Loans: the interest is paid by the Education Department while a student is in school. Subsidized loans are need based.
• Unsubsidized Loans: students are responsible for the interest, and it begins accruing as soon as the loan is disbursed, including while students are enrolled in school.
• Parent PLUS Loans: A Parent PLUS Loan is in your parent's name, not yours. This means that your parents are responsible for paying back the loan. Typically, parents start paying the Parent PLUS Loan back as soon as you have received the money. Like with Unsubsidized Loans, your parents are responsible for the interest on this loan from the beginning, so it would be wise for them to pay at least the interest while you are in school.
• Private Loans: are non-Federal Loans that could be from a bank or credit union, the state, or your school. You will typically have to start paying a Private Loan back right away, and interest rates can be extremely high through some private lenders.

Federal Work-Study (Student Employment) Jobs: The Student Employment Program allows you to earn money to pay for school by working part-time. This does not mean that you can study while at work.

Aid for Military Families: There are special aid programs or additional aid eligibility for serving in the military or for being the spouse or child of a veteran.

Aid From Your State Government: Other than federal aid, you might be eligible for financial assistance from your state. Contact your state grant agency for more information.

Aid From Your College or Career School: Many schools offer financial aid from their own grant and/or scholarship funds. 

Financial aid money can be used to cover many educational expenses, such as tuition, housing, books, and transportation.

Your financial need is the difference between our estimates of your cost of attending �鶹��Ƶ and the amount the federal and state governments expect you and your family to contribute to those costs. Cost of attendance (COA) – Expected Family Contribution (EFC) = Financial need. Your total EFC is calculated using a federal needs analysis formula and is based on income and other data you report on the FAFSA, including your own savings and employment income. If you are found to have financial need, we will offer you financial aid to meet that need. The aid offered may be any combination of grants, loans, scholarships, or student employment.

Your EFC is the amount your family is estimated to be able to contribute to your college education. This amount is used to determine how much aid you need to pay for school. If your family cannot afford your EFC, you have several options:

• Appeal for more financial aid by submitting a written letter to your school.
• Apply for scholarships, particularly those that are merit-based.
• Look into your options for private student loans.

Yes. If you are receiving any kind of financial aid from colleges or government sources, you must report the scholarship to the financial aid office. 

Unfortunately, the institution will adjust your financial aid package to compensate for the additional aid. Keep in mind that the outside scholarship will have some beneficial effects. At some institutions outside scholarships are used to reduce the self-help level and/or replace loans instead of grants.

Most students are considered dependent. This means that their parents’ incomes and asset information will be considered when determining their financial aid. The Department of Education is very strict when it comes to determining dependency status. To qualify as independent, you need to meet certain criteria, such as being a veteran of the U.S. military or having a child that you support. You may have to provide documentation to prove that you are an independent student. If this is approved, then your parents’ financial information will not be considered when determining your financial need. 

If your family’s income changes dramatically (a parent lost their job, for example), speak with your school’s financial aid office. The college might be able to accommodate your new circumstances. However, additional aid is not guaranteed. The government determines your EFC (Estimated Family Contribution) based on the information that was accurate at the time. If that information is no longer accurate, you will need to discuss the changes with the Financial Aid Office.

If you don't understand a question or are having trouble filling out the FAFSA, please call the Federal Student Aid Information Center at the number listed in the Help Completing the FAFSA section, or the Financial Aid Office at (507) 933-7527 to answer your questions.

The US Department of Education also provides advice on completing the FAFSA on their web site. It includes a copy of the instructions that accompany the FAFSA in addition to a few extra words of insight. 

Some of the more common errors include: 

• The number one mistake that you can make is to not complete the FAFSA form.
• Assume that you cannot afford college - the FAFSA opens the door to many different opportunities for financial aid, and the sooner you apply, the better, as state grant agencies and scholarship organizations— which often have a limited pot of funds to give out on a first come, first served basis— usually require you to have filed a FAFSA to receive aid.
• Students leaving a field blank. All income questions must be completed. If the answer is zero or the question does not apply to you, write in a zero (0). Do not use dashes or leave the question blank. If you leave an income or asset question blank, the federal processor will assume that you forgot to answer the question.
• A common error is to report total income tax equal to the Adjusted Gross Income (AGI). Total income tax should be less than the AGI. This happens most often when you report the amount of taxable income (AGI) in the answer to the question about tax liability.
• Another common error is to report taxes withheld or tax due instead of total income tax. The total of your withholdings can be higher or lower than the total income tax. If you got a refund, it was higher. If you owed additional tax, it was lower. Be sure you are reporting the total income tax (the total tax liability) and not just the withholdings or the additional taxes due.
• Make sure using your legal name as it appears on your Social Security card. Using a nickname or any other name will cause a processing delay.
• Be careful to write your Social Security Number (SSN) and date of birth accurately and clearly. Any errors in the SSN or date of birth will cause processing delays.
• Check to make sure you have not accidentally swapped your Social Security Number with your parents' Social Security Numbers.
• In the question that asks about your interest in different types of aid (e.g., work-study and student loans), answer "yes" to each question. Answering "yes" does not obligate you to accept a loan. Answering "no" will not get you more grant aid.
• Remember to count yourself, the student, as one of the people who will be a college student during the award year.
• If your parents are divorced or separated, the parent with whom you lived the most during the past 12 months is the parent responsible for filling out the FAFSA. This is not necessarily the same as the parent who has legal custody. Use the most recent calendar year for which you lived with either parent. If the parent who is responsible for completing the FAFSA has remarried, your stepparent must report his or her income and assets on the FAFSA, even if they were not married during the previous year. Prenuptial agreements have no bearing on this requirement.
• Prepaid tuition plans are not reported as assets on the FAFSA.
• Pensions and the cash value of a life insurance policy - known as a whole-life policy - are not reported as an asset on the FAFSA.
• When you complete the form, make sure you print out the signature page or that both you and your parents use the correct PINs to e-sign the form.
• When you get your Student Aid Report, read it carefully to make sure it does not show any problems, such as a missing signature.
• Applying online makes filling out the FAFSA easier because the online form uses skip logic to only ask relevant questions.
• You will also have the option to retrieve your IRS data to automatically populate the FAFSA, which simplifies the application process, helps reduce errors and lowers your chances of being selected to verify the information on your FAFSA.
• When filling out the FAFSA, make sure to pay attention to federal, state, and institutional deadlines, take your time to avoid information errors, and not leave too many spaces blank.

Suspected Fraud or Abuse 

Per federal regulation, �鶹��Ƶ College will refer any credible information indicating that a student may have engaged in fraud or other criminal misconduct in connection with FAFSA applications to the US Department of Education’s Office of Inspector General (OIG). In conjunction with �鶹��Ƶ College’s legal counsel, the Director will determine if a referral is warranted. Common misconduct includes false claims of independent status, false claims of citizenship, use of false identities, forgery of signatures of certifications and false statements of income. Note that fraud is the intent to deceive as opposed to a mistake on an application.

Avoiding a Scam

Student loan fraud is on the rise and there are several different types of student loan fraud scams currently targeting borrowers, here is an overview of the top 5 scams.

Student Loan Forgiveness Scams: The student loan forgiveness scam is currently one of the top scams affecting the student loan industry. Fraudsters try to coerce young unsuspecting borrowers by offering quick and easy student loan forgiveness for a fee. As a borrower, you should know that there are several factors that can help you qualify for loan forgiveness. Unfortunately, none of them allow for a quick and easy loan forgiveness process. The factors include, your chosen career path, financial situation, place of employment, and several other factors outlined on the studentaid.gov website. These can take anywhere from 10-25 years to complete. If a company claims that they provide forgiveness in less time, then it is probably a fraud scam. 

Student Loan Consolidation Scams: Student loan consolidation is another popular scam affecting the student loan industry. Fraudsters will charge money upfront to consolidate your student loans. Unfortunately, they take your money without consolidating your loans. As a borrower, you can consolidate your federal student loans for free at Studentaid.gov. There are also loan consolidation options if you have private student loans or a mix of private and federal loans. Keep in mind that consolidating your loans may reset your qualifying payment count on your student loan repayment plan. A legitimate loan consolidation company will ensure that you understand what you’re signing up for before you consolidate your loans. 

Student Loan Debt Relief Scams: During a student loan debt relief scam, a fraudster will promise that they can either eliminate or reduce your student loan debt. Use extreme caution with regards to these claims. Except under certain special circumstances, student loan debt cannot be eliminated or forgiven. These include death of the borrower, permanent disability, identity theft, federal loan forgiveness plans and income-based repayment plans. These plans take many years and are only available through the Department of Education. For more details on student loan discharge and which loans are eligible, check out the Department of Education’s student loan forgiveness, cancellation, or discharge criteria.

Advance Fee Scams: Another common scam used by fraudsters is the advanced fee scam. During this scam, the fraudsters promise to be able to negotiate lower interest rates or better loan terms then the federal government. The catch is that they want you to pay “small” fee upfront. When everything is finalized, the fees are not small, they are paid before any service has been provided and you will end up paying more than what the federal government has offered. Yes, federal, and private loans generally have fees attached to them. Federal loans have origination fees and private loans have either an origination fee or a disbursement fee. These fees are added to the total of the loan itself. Any additional fees are usually the result of nonpayment or late payments.

Lawsuit/Law Firm Scams: Finally, the lawsuit/law firm scam is where an actual law firm is the fraudster. They claim they can save you thousands of dollars by settling your entire student loan debt. Most often they ask you to pay your monthly loan payments directly to them and they will make payments to the loan servicers as well as work to negotiate a settlement for your debt. Your loans end up in default because the law firm never paid the servicer. Once your loan is in default, the law firm then works to negotiate a settlement with your servicer based on the pretense that you are unable to make your payments. Not only does this tactic cost you thousands of dollars in legal fees, but it also causes you credit score to plumet which can affect you for many years.

What to look for (Red Flags):

• High-pressure sales tactics,
• Aggressive advertising with outrageous claims,
• Customer service that asks for your FSA ID,
• Requires you to provide sensitive personal information,
• Upfront fees that don’t match up to the services they are providing,
• Upfront or monthly fees to get help,
• Official-sounding names and logos that make them seem connected to or part of the federal government,
• Use of the verbiage “document preparation service” in their marketing,
• Customer service with limited knowledge of student loan repayment options,
• Businesses that only offer loan consolidation and no other options,
• The company promises immediate loan forgiveness, and/or
• The company advertises on social media or shows up in search engine ads.

How to Avoid Becoming a Victim of Fraud:

• Block unwanted calls and text messages. Take steps to filter and block unwanted calls and text messages.
• Do not give your personal or financial information in response to a request that you didn’t expect. Legitimate organizations will not call, email, or text to ask for your personal information, like your social security number, FSA ID, bank information, or credit card numbers.
• If you get an email or text message from a company you do business with, do not to click on any links. Instead, contact them using a website or phone number you know is trustworthy. Never call a number they gave you or the number from your caller ID and never respond to an email or text. Fraudsters spend a lot of time and effort trying to make their business seem legit. They create call centers, ads, commercials, videos, and websites to look as real as possible.
• Resist the pressure to act immediately. Always remember that a legitimate business will give you time to make the best decision for your circumstances. Anyone who pressures you to pay or give them your personal information is a scammer.
• Pay close attention to how a person or business asks you to pay them. Never pay someone who insists that you pay them with gift cards or using a money transfer service. Also, never agree to deposit a check and send money back to someone this is known as a fake check scam. In a typical fake check scam, victims lose roughly $1,000 to $4,000 as well as paying costly bank fees or penalties. 

How to Report Fraud, Waste, and Abuse:

• : 1.800.411.2372

If you have any questions regarding fraud, please contact Christopher Baxter, Certified Fraud Examiner, 507.933.7730, or stop into the Financial Aid Office.

Section I: Deadlines and Basic Information

Every returning student who wishes to be considered for need based financial assistance must complete the renewal application process by completing the FAFSA. Need based aid will not be disbursed on your account until the FAFSA is filed.

Deadlines and Award Notification:
To be considered for the maximum amount of aid, a student's file needs to be complete by the �鶹��Ƶ priority date of June 15. Students will receive an e-mail notifying them that their aid award letters are completed. Awards can be viewed and printed on WebAdvisor. It is the student's responsibility to notify the parent(s) that an aid award has been received. Students can grant parent's access on WebAdvisor to award letters.

Students completing the application process after the priority date will be awarded based on funds remaining.

�鶹��Ƶ provides over $50 million annually in merit scholarships and need based grants to students. We are able to provide this level of assistance because of the generous contributions made by our generous friends and alumni. If a student is selected to be a recipient of a named scholarship, the �鶹��Ƶ tuition grant or merit scholarship may be replaced or listed as honorary on an award notification. In its place, the named fund would be listed on the award.

Changes in family circumstances that may impact funding levels:
The expected parent contribution is based on a family's ability, not willingness, to pay. The federal financial aid formula assumes that the income and other information you provide on the FAFSA will be representative of your current income. Some families find that this is not the case due to one of the reasons listed below.

• Change in at least one parent's income. If estimated current year income will be at least 16% less than actual income reported on the FAFSA, you may submit a request for review. The Financial Aid Office will review this information to determine if an increase in aid is warranted.
• In the event of a divorce or separation, you (the student) may become eligible for increased state or federal aid. It is our philosophy that both parents are responsible for financing their son or daughter's education. We will require documentation of both parents' income before allowing an increase in �鶹��Ƶ aid.
• Unusual/Special Expenses: Unreimbursed medical expenses (as documented on Schedule A of a parents' tax return), private elementary or secondary school tuition net any financial aid (to a maximum of $10,000), or repayment of back taxes may be considered when determining financial aid eligibility. Documentation from the family, including signed copy of your Federal Tax Return, is required before any adjustment will be made.

Student Status:
Students who entered �鶹��Ƶ as a dependent student will remain a dependent student for institutional aid purposes. Students may be granted independent status for federal and state aid based on the following criteria:

• You were born before January 1, 1998.
• You were a ward of the court after age 13, or both parents are deceased.
• You are a veteran of the United States Armed Services.
• You are married.
• You have children who receive more than half of their support from you.
• You have dependents (other than your children or spouse) who live with you and who receive more than half of their support from you.

Students who believe they have extenuating circumstances and should be considered independent should contact the Financial Aid Office to review the appeal process. Appeals must be documented by a third party, not affiliated with the College, and must be a non-family member (e.g. social worker, clergy, guidance counselor).

Enrollment Criteria for Financial Aid

Students must be enrolled full time in order to receive their full aid eligibility. Full time status for federal and institutional aid is 12 credits per semester. To receive full state grant assistance, a student must be enrolled for 15 credits per semester. All students must be making satisfactory academic progress in order to receive federal and state assistance. View the �鶹��Ƶ Satisfactory Academic Progress Standards.

Other Criteria for Financial Aid

Financial Aid is to fund the cost to attend college, therefore �鶹��Ƶ will allow students to receive aid up to the Cost of Attendance. Students who receive aid from outside sources may see �鶹��Ƶ funded aid reduced if the total aid is more than the cost of attendance.

Part time enrollment is allowed at �鶹��Ƶ during your last semester of attendance. Your financial aid will be adjusted according to your enrollment status.

• 12.0 or more credits per semester = full financial aid (15 for full state grant eligibility)
• 9 to less than 12 = 3/4 proration of institutional aid; state and federal aid adjusted per state/federal regulations.
• 6 to less than 9 = 1/2 proration of institutional aid; state and federal aid adjusted per state/federal regulations.
• less than 6is less than half time enrollment. No financial aid will be offered.

Section II: Renewal Process for Merit Scholarships, Others Not Filing a FAFSA

Renewal of merit scholarships, tuition exchange scholarships, or internal tuition-benefit scholarships will automatically be done by the Financial Aid Office according to the individual scholarship renewal criteria.

Guidelines for renewal for merit scholarships:
Students receiving the Presidential Scholarship must maintain at least a 3.25 cumulative grade point average (GPA) for renewal of your merit scholarship after your sophomore year.

If your GPA will be lower than 3.0 at the end of spring semester, you must appeal in writing to the Financial Aid Office to be considered for renewal of your Presidential Scholarship. If you do not appeal, your scholarship will be revoked for the full academic year. No mid-year reinstatements will be considered. You will be awarded the Dean's Scholarship you would have received as an entering student.

The Dean's Scholarship, Trustee, Promise, Heritage, Norelius, Alumni Referral and Legacy awards will be renewed as long as you are making satisfactory academic progress.

Other merit renewal requirements:

• Bjorling: must meet departmental requirement of private music lesson and ensemble participation
• Anderson Theatre/Dance: must meet departmental requirement of participation
• Arts: must meet departmental requirement of participation
• Forensics: must meet departmental requirement of participation

Section III: Renewal Process (FAFSA filers)

The following checklist should be followed if you are filing for need based aid:

• File the Renewal FAFSA (available on line at). To make the Renewal FAFSA process easier, have your FSA ID ready when you file.

If your FAFSA is flagged for verification or requires further clarification, the file will not be considered complete until the family provides the additional documentation. See Section V for more information on the verification process.

Section IV: Renewal FAFSA Filing Tips

If you have questions while you are preparing your Renewal FAFSA, please call the Office.

Student employment earnings from �鶹��Ƶ are taxable and must be included on the student's tax return; a W-2 will be mailed to the students in January.

In January, students will also receive a 1098-T form that lists charges for tuition and total scholarship assistance awarded by �鶹��Ƶ for the calendar year, which is required to assist students or parents with the preparation of their federal income tax return. The 1098-T includes �鶹��Ƶ aid (including the matching portion for church matching awards), Minnesota State Grant, Federal Pell, TEACH and SEOG. It does not include outside scholarship assistance such as amounts received from churches and organizations such as Tozer, Dollars for Scholars, etc. The difference between tuition charged and scholarships applied (including the outside scholarships) are important for determining eligibility for a HOPE or Lifetime Learning Tax Credit on federal income tax returns. Please consult your tax advisor and/or IRS Publication 970 at for more information.

Note: Tax returns need only be filled out--not mailed to the IRS--to be considered completed. If tax returns cannot be completed by April 16, file the Renewal FAFSA using estimated data and make any corrections to income data once the tax returns have been filed (asset data may only be updated if the original amounts submitted were in error). �鶹��Ƶ reserves the right to reduce or remove institutional awards if the corrections are not made by the end of August.

A divorced/separated/widowed custodial parent who has remarried as of the date the Renewal FAFSA is filed must include the income and assets of the new spouse. Pre-nuptial agreements cannot override this provision of the federal FAFSA regulations.

Questions relating to household size and number in college look ahead to the enrollment period for which aid is being applied.

Siblings enrolled in graduate school should not be included. A letter of special circumstance should be sent to �鶹��Ƶ if your parents will be providing more than 50% of support to a sibling enrolled in medical or law school. Students who will be in graduate school must file their own FAFSA's as independent students. However, a graduate student may be counted as a number in household and a number in college for another undergraduate student's FAFSA within the same family if the parent will provide more than 50% of the graduate student 's total support including tuition charges.

�鶹��Ƶ' policy is to consider the student as part of the household and/or number in college only if the expenses paid exceed $20,500 (which is the federal Stafford loan amount a graduate student is eligible to receive toward his/her graduate expenses).

Section V: Verification Process

An applicant will be required to verify, or validate by documentation, application information, if the application is selected for verification in the federal processing and edit systems, or if the Financial Aid Office has reason to believe that any application information critical to the calculation of the student's expected family contribution (EFC) is inaccurate, or is in conflict with other information.

Required documents for federal or institutional verification: 

• Appropriate Family Size and other requested worksheets
• Parent Tax Transcript from IRS or use IRS data retrieval on a correction FAFSA
• Student Tax Transcript from IRS or use IRS data retrieval on a correction FAFSA
• If the student is a non filer, submit W-2 statement(s)

If an application is selected for verification, the Financial Aid Office will give notice to the applicant. The notice will specify what items of information must be verified and will detail what documents and procedures are required for verification. It will also specify the time period within which the applicant shall provide the required documentation, and will advise the applicant of the consequences of the applicant's failure to comply within the specified period.

The time period granted to the applicant for completion of required documentation may vary with the complexity of the requirements and with the time remaining in the school term for which funding is sought. Normally, the student is afforded 45 days from the request date to provide verification documents. Overall, the deadline for submission of verification documents must be at least 30 days prior to the end of the school term for which funding is sought and to allow for processing (and correction if needed) before the end of the term.

Should the applicant fail to provide required documentation within the specified time period, the application is considered invalid and the applicant will forfeit eligibility for assistance from the federal Title IV student aid programs for the program year for which the invalid application was filed.

If the verification documents provided within the specified time period confirm the accuracy of all application items requiring verification, the application is finalized and, if all other requirements have been met, an e-mail is sent to notify the applicant. If the verification documents reveal inaccuracies in the application the SAR/ISIR will be corrected and submitted electronically. If incomplete or inadequate verification documents are submitted, the applicant is notified of deficiencies and instructed on how to correct them.

Should the review of an application for Title IV student aid indicate that the applicant may have engaged in fraud or other criminal misconduct in connection with his/her application, the Financial Aid Office must refer the student for investigation on all relevant information to the Office of the Inspector General of the United States Department of Education. Examples of such information include (but not limited to) false claims of independent student status, false claims of citizenship, use of false identities, forgery of signatures or certificates and false statements of income.

Section VI: Minnesota State Grant Special Rules

To be considered full-time for Federal or �鶹��Ƶ aid programs, a student must be enrolled for at least 12 credits per semester; however, the State of Minnesota has a higher standard for recipients of Minnesota State Grant (MSG) assistance. To maintain maximum grant eligibility, MSG recipients must be enrolled in at least 15 credits per semester. 

The State of Minnesota also limits a student's eligibility to 1.5 times the number of semesters required to obtain the students degree (ex. degree completion requirement = 4 years/8 semesters, the student is eligible for MSG for a max of 6 years/12 semesters) even if the student may not qualify for MSG assistance during all attended semesters. Post-Secondary Education Option (PSEO) and advance placement credits do not count toward the semester total; however, summer (or full semester) enrollment at another institution or a semester in which a students withdraws are counted.

Section VII: Early Graduation Issues

Generally, students are eligible for 8 semesters of financial aid. However, more students are bringing post-secondary option credits (PSEO) and advanced placement credits with them as they enroll at �鶹��Ƶ. Some of these students still plan to attend and graduate in four full years at �鶹��Ƶ.

There are three components necessary to receive a �鶹��Ƶ diploma:

• The student must have at least 136 total credits.
• The student must have completed all the general area requirements.
• The student must have completed one major course of study.

Some students complete all three components by the middle of their fourth year and enroll for the spring semester with the intention of completing a second major or a minor. Students who have a declared program of study that is not yet completed may be eligible for aid to complete their program of study.

Section VIII: Fifth-year and 9th Semester Issues

Some students find it necessary to enroll for a ninth semester or a full fifth year of study, commonly due to student teaching or making up a term in which the student had to withdraw. Specific rules for financial aid apply in these situations.

As mentioned in Section VI, Minnesota State Grant assistance is not available beyond eight semesters of study and �鶹��Ƶ does not award additional funds to offset the loss of MSG funds.

Students who file a Renewal FAFSA will still be eligible for federal student loans and grants if they qualify depending on the Expected Family Contribution and the cost of attendance for the term.

Students who are enrolled fall or spring term for the purpose of completing the student teacher component of their degree will be charged half tuition for that semester of enrollment.

• Student teachers will be eligible for federal aid (Direct Loan and Pell Grant) if they have not completed their first Bachelor's Degree. 
• Student teachers are not eligible for institutional aid, including merit scholarship. Exception: students with high need may receive institutional aid if approved by Director of Financial Aid.

Students who are enrolled a 9th semester to complete their Public Accounting major are eligible for institutional and federal aid and will be charged the full tuition for that semester.

Students should email the financial aid office the spring before their 9th semester to let us know of their intention to return for a 9th semester so their aid can be finalized. 

Section IX: Study Abroad and Off-Campus Program Information

Many students elect to enroll in travel courses during May Term, or study off-campus (e.g. abroad, Washington Semester, HECUA domestic programs) for a semester or full year. This choice does not impact grant/scholarship aid. Additional aid, however, is only available through student or parent loan assistance, not additional �鶹��Ƶ aid.

Semester and year-long off-campus study: If the program costs exceed the student's regular cost of attendance at �鶹��Ƶ, the Financial Aid Office can add these costs to allow for additional loan eligibility. It is recommended that students and parents continue to use the same alternative loan program(s) they have used in the past (if any).

May Term travel courses: Costs of courses resulting in academic credit may be added to the student's regular cost of attendance to increase loan eligibility. It is recommended that students and parents continue to use the same alternative loan program(s) they have used in the past (if any).

If a student/parent is borrowing only to cover the costs of a May Term course, it is recommended that the student apply for the loan in September when the final costs of the course are closer to being locked in.

If the student/parent normally borrows for the regular �鶹��Ƶ costs, it is recommended that the additional May Term costs be added to the regular loan request during the summer. The Financial Aid Office will, within the rules of each loan program, ask for up to three disbursements (one-half of the base loan for fall semester, the extra for May Term which is due by October 31, and the second half of the base loan for spring semester).

If the May Term travel course is canceled, or the student withdraws from the course for any reason, the Financial Aid Office will return any loan funds to the lender. Students withdrawing from a travel course after the program's stated deadline may still be responsible for the cost of the course, but may not be eligible for any loan assistance. Each student's case is different so plans should be discussed with the Financial Aid Office.

Section X: Living Off-campus

The College includes housing and meals in determining a student's need for financial aid even though the College is not billing the student for these expenses meaning a student/parent can borrow additional funds for living expenses. After the direct charges to the College are paid each semester, any excess can be requested as a refund to assist with living expenses. For more details about the refund process, please contact the Student Accounts Office.

Campus Policy states that students living off campus will have a reduction of �鶹��Ƶ Scholarship/Grant by $500 for the academic year.

Section XIII: �鶹��Ƶ Endowed and Restricted Scholarships

The Financial Aid Office administers approximately 400 scholarships which are funded either from earnings from various endowments or from annual gifts. The generosity of past and current donors makes it possible to annually award approximately $2 million in scholarship assistance, which would not otherwise be possible. Academic departments may nominate students for certain endowed or restricted scholarships. Faculty nominated scholarships are generally based on financial need and can result in an increase of up to $500 of additional grant/scholarship aid from �鶹��Ƶ over what would normally have been awarded.

In some cases, �鶹��Ƶ will replace an existing award (e.g. Deans, Legacy, etc.) with one or more endowed/restricted scholarships. Students will retain honorary award status for the original scholarship(s). Students are considered for these scholarships as part of the regular awarding process and do not require special applications. We strongly recommend that students write a thank you letter to their donor. The Advancement Office will contact students for this thank you writing campaign.

Section XIV: Church Matching Scholarship Program

�鶹��Ƶ is committed to making an affordable education possible for its students. One way to accomplish this goal is to partner with church congregations who run their own scholarship programs. �鶹��Ƶ acts as a partner to match approved congregations' scholarships for up to $1,000 per year. This is not limited to Lutheran congregations, and �鶹��Ƶ will also match qualifying scholarships from synagogues or mosques. It should not be confused with the �鶹��Ƶ Association of Congregations Scholarship, which is open only to students from the congregations comprising the �鶹��Ƶ Association of Congregations.

To qualify a congregation must have an "established scholarship program" defined in writing that is funded from one or more of the following sources: earnings from an endowment, special collections from the entire congregation, or allocated funds from the annual unrestricted budget of the congregation. A committee, or officer of the congregation, must award the scholarships based on criteria applicable to all students in the congregation. It is not permissible for parents or other relatives to write checks to the congregation to be recycled as a scholarship.

Deadlines:
Participating congregations are responsible for notifying �鶹��Ƶ of which students will be receiving scholarships for the following academic year, which begins in September. Payment from the congregation to �鶹��Ƶ is requested by August 31 in order to apply the scholarship and matching funds to the fall semester fees due by that day. If a congregation stipulates that payment will not be made until after students provide first semester grades the scholarship and matching funds will be applied to spring semester fees due by January 31.

Section XV: How �鶹��Ƶ Communicates With Students and Parents

In almost all situations �鶹��Ƶ communicates with students first, unless parental data is required. Data from custodial parents is required for students considered dependent under U.S. Department of Education rules, which differ from dependency rules set by the IRS. The Financial Aid Office, as well as other administrative and academic offices, communicate with students using three official methods: the student's �鶹��Ƶ e-mail account, the student's �鶹��Ƶ voicemail account, and the student's �鶹��Ƶ post office box.

Each student is expected to set up and check each of these accounts regularly and is responsible for information sent to them; even if the student uses other communication methods (other e-mail address, cell phone, etc.) for other purposes. Even if a student believes the message to be in error, he/she should follow up with the appropriate office in a timely manner.

Section XVI: Appeal Grant Policy

�鶹��Ƶ offers an Appeal Grant to students whose financial situation has changed dramatically from that reported on the FAFSA. The Appeal Grant is awarded based upon a professional judgment decision that has been made by a financial aid professional based upon US government guidelines.

Appeal Grants are awarded to help students afford the cost of attending �鶹��Ƶ. Due to the limited �鶹��Ƶ funds, a student who has received an Appeal Grant is required to accept all federal loans that have been awarded in their financial aid award. If a student has declined the federal loans or subsequently declines any federal loans, the Appeal Grant will be removed from their award.

Appeals to this policy should be directed to the Dean of Financial Aid.

Section XVII: Master Financial Aid Calendar

Satisfactory Academic Progress (SAP) standards ensure that you are successfully completing your coursework and can continue to receive financial aid. All students receiving financial aid are required to meet SAP standards as measured after each semester of attendance. Federal regulations require the College to establish, publish, and apply standards to monitor your progress toward completing your degree program. To assure a student remains eligible for financial aid, they must meet the SAP standards outlined in the following section.

The standards of satisfactory academic progress apply for all financial assistance programs including Federal Pell Grant, Federal Perkins Loan, Federal Work-Study (FWS), Federal Supplemental Educational Opportunity Grant (FSEOG), Federal Direct Student Loans (Stafford and PLUS), Corporation for National & Community Service (AMERICORP), as well as assistance from the state and the institution.

Quantitative Progress

1. Credit Completion Pace
   1. Students must complete 67% of all credits attempted. A completed credit has a grade of A, B, C, D, or S.
   2. Withdrawals, F grades, incomplete courses, and repeated courses are included in attempted credits.
2. Maximum Time Frame
   1. All students are expected to finish their degree within an acceptable period of time. Financial aid recipients may continue to receive aid through their cumulative attempted credits that equal 150% of the required number of credits needed to complete their program, including transfer credits from another college. As soon as it becomes mathematically impossible for a student to graduate within the 150% limit, the �鶹��Ƶ will place the student will on Financial Aid Suspension. Students who require developmental coursework or who have changed degrees/majors may appeal to have the 150% limit extended.

Qualitative Progress

1. Maintain the required minimum cumulative GPA:
   1. 1.80 GPA during either semester of their first year in residence
   2. 2.0 GPA after first semester of second year in residence and subsequent semesters

Definition of Terms

• Warning: This is the status assigned to a student who, after being in good standing, fails to meet the required qualitative and/or quantitative standards of satisfactory academic progress at the end of a semester.
• Probation: This is the status assigned to a student who, in the previous semester, was on warning status and subsequently again failed to achieve satisfactory academic progress but whose appeal to have eligibility restored has been granted.
• Suspension: This is the status assigned to students that fail to meet the required qualitative and/or quantitative standards of satisfactory academic progress following a warning semester or probationary semester. While on suspension, a student is ineligible for financial aid.

Financial Aid SAP Warning and Suspension

1. A student will be placed on financial aid SAP warning if they fail to meet the required qualitative and quantitative standards. The student will be informed, by the Financial Aid office, of the warning status via a letter and email within 20 days after the end of the term. While on warning you may still receive financial aid. Financial aid warning lasts for one payment period only and does not require action (such as an appeal) by the student. A student will be removed from financial aid warning status if the required qualitative and quantitative standards are met by the end of their warning period.
2. A student will be placed on financial aid SAP suspension if they fail to meet the required qualitative and quantitative standards of satisfactory academic progress following a warning or probationary semester. The Financial Aid office will send a letter to the student, within 20 days after the end of the term, notifying them of their status. The letter will contain conditions under which the student can appeal to have financial aid restored. The letter will also inform the student that the appeal must include why the student failed to meet satisfactory academic progress and what has changed that will allow the student to achieve satisfactory academic progress at the next evaluation. While on financial aid suspension, a student is ineligible from receiving Title IV, state, and institutional financial aid. Students on suspension may attend the College at their own expense until they attain the qualitative and/or quantitative requirements for satisfactory academic progress requirements. Students that have their aid suspended may be eligible for a private loan. It is the student’s responsibility to check with private lenders to determine if the lender offers loans to students not meeting SAP requirements.
   1. Students may have their suspended aid restored under the following circumstances:
      1. A student may appeal their financial aid SAP suspension by performing the SAP appeal process. A student whose appeal is approved will be placed on financial aid probation, making them eligible for financial aid during the subsequent probationary semester.
      2. After a probationary semester, the student meets the required qualitative and quantitative standards, or the student has made substantial academic progress as determined by the Academic Standing Committee (ASC). These students will automatically have their aid restored.
   2. If a student does not attain the required qualitative and/or quantitative parameters during their SAP probationary period, have not made substantial academic progress as determined by the ASC, they will be placed on financial aid suspension a second time.

Additional Factors

The following are considered when evaluating a student’s satisfactory academic progress:

1. Attempted credits include all grades earned at the College and transfer credits accepted by the College.
2. Earned (completed) credits include grades of W or I.
3. If you repeat a course, credits will be added to your attempted/earned credit totals each time you register. However, only the best grade received in the course will be used in the calculation of your cumulative GPA.
4. Transfer and consortium credits accepted by �鶹��Ƶ will be included when calculating your cumulative completed credits percentage and maximum attempted credits but not your GPA. This includes credits earned from institutions including non-�鶹��Ƶ study away programs. Credits are included in both attempted and earned credits.
5. Federal regulations require the College to include the original grade and number of credits for any class you retroactively withdrew from when calculating your SAP status. If you have retroactively withdrawn from one or more courses, the GPA used to determine if you are meeting SAP standards may differ from your official College GPA.
6. Credits earned while a Post-Secondary Enrollment Options (PSEO) student at the College will be included in your cumulative completed credits percentage, GPA, and the maximum attempted credits calculation. PSEO credits earned at another postsecondary institution will be treated as transfer credits.
7. If a student changes majors, the credits they earn under all majors will be included in their GPA calculation as well as their maximum attempted credits and the calculation of credits you have attempted and earned. 

Financial Aid SAP Suspension Appeal Conditions

A student must use one of the following methods to submit a request for reinstatement of financial aid:

2. A signed and dated letter of appeal explaining why financial aid should be reinstated. The letter of appeal must be postmarked or delivered in person no later than 30 days after the start of the semester for which the student wishes to have their aid reinstated.

The appeal must be submitted prior to 30 days after the start of the semester for which the student wishes to have their aid reinstated.

Acceptable reasons for an appeal include the following:

• Medical
• Family problems
• Death of a relative
• Other special, significant or unusual circumstances

Documentation verifying the situation may be requested. An appeal decision will be relayed to the student no more than 15 days after receipt of the appeal letter.