Financial Aid 2014

C A L I F O R N I A U N I V E R S I T Y O F P E N N S Y LVA N I A

CALU FINANCIAL AID 2014-2015

A proud member of the Pennsylvania State System of Higher Education.

How do you measure the value

REASONABLE COST California­University­provides­a­top-quality­

of a CAL U education? Is it professional achievement? salary?

education­that­prepares­its­graduates­for­fulfilling lives­and­careers.­Cal­U­accomplishes all­of­these­at­ a­very­reasonable­cost.

advanced study? personal satisfaction?

As­part­of­the­Pennsylvania­State­System­of­Higher­

Perhaps­a­combination­of­these­indicators­or­something­else­altogether.

The­answer­is­a­resounding yes!

You­may­even­question­whether you should attend college.

Education,­Cal­U’s­tuition­is­subsidized­by­the­taxpayers­of Pennsylvania.­For­every­dollar­an­in-state­student­pays, the­state­treasury­makes­an­additional­contribution toward­the­operation­of­the­University.­This­means that­our­annual­in-state­undergraduate­tuition­would actually­be­much­higher­at­a­private­institution.

All­of­which­goes­to­demonstrate­that­an­education­ at­California­University­of­Pennsylvania­is­an­ outstanding­value.

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T­ he­definition­of­the­word value includes: “To­regard­highly;­prize;­esteem,” also,“a­fair­price­for­goods­and­services.”

As you consider your choice of college, ask yourself if it’s a good value. Is an education from this institution a highly regarded prize?

Is it esteemed by those in the community? After four years of attending this school, will you feel that you paid a fair price for the education you received? According to our alumni, “absolutely!”

Studies show individuals with a bachelor’s degree average

62%

TABLE OF CONTENTS Eligibility & Application Process

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FAFSA

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Financial Aid Timeline

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Federal & State Aid Programs

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University Assistance

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University Scholarships

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Stafford Loans

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Financial Aid Web Sites

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Frequently Asked Questions

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Glossary

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higher annual earnings than workers with only a high school diploma.

Cal­U­offers­a­top-quality­education­at­ an­affordable­price.­Your­education­is­ the­most­important­investment­you­ will­ever­make.­It­really­is­an­investment.­ You­invest­time­and­money­now­so­ that­you­will­be­prepared­for­a­career after­graduation.­

This­same­emphasis­on­great­facilities­can­be­found­in­the­ Convocation­Center,­the­spacious­home­of­our­men’s­and­women’s Vulcan­basketball­and­women’s­volleyball­teams.­Visit­Herron Recreation­and­Fitness­Center,­where­you’ll­find­free­weights,­cardio machines,­a­pool,­racquetball­courts­and­much­more.­These­and many­other­buildings­are­equipped­for­state-of-the-art­teaching, learning­and­living.

The­reasonable­cost­does­not­affect­ the­quality­of­instruction­or­facilities.­Look­around­campus;­talk to­professors.­There­is­national­and­international­research­being performed­here.­In­addition,­many­undergraduates­attend­ national­conferences­and­symposiums­to­present­their­ original­works.

As you begin college, make the Office of Career Services one of your first stops. Career­Services­offers­vast­resources­for­everything­from career­exploration­to­mock­interviews.­If­you­are­uncertain­what field­to­pursue,­utilize­one­of­the­computerized­surveys­that­make recommendations­based­on­your­input­and­preferences.­Plan­on doing­some­job­shadowing­to­see­what­career­fields­are­really­like.

All­residence­halls­have­multi-station­computer­labs.­Rooms­are wired­for­the­campus­intranet­and­the­Internet­—­just­bring­your computer­and­plug­in,­or­use­our­campus-wide­Wi-Fi.­The­Eberly Science­&­Technology­Center­houses­multimedia­classrooms,­ a­weather­center­with­access­to­satellite­information,­a­ crime-mapping­and­geographic­information­computing­ systems­center,­a­tourism­studies­center,­computer­and­ electrical­engineering­technology­laboratories,­a­dedicated­ student­computing­lab,­computer-aided­design/prototyping and­automated­manufacturing­facilities,­a­computer­networking­ facility­and­many­other­cutting-edge­features.

Our­students­have­obtained­internships­at­prominent­ establishments­in­Washington,­D.C.,­New­York­City,­Pittsburgh, Philadelphia,­Baltimore,­Chicago­and­throughout­the­ Ohio-Pennsylvania-West­Virginia­area.­You­can,­too!

As­you­become­an­upperclassman,­be­certain­to­visit­Career­ Services­to­schedule­interviews­with­prospective­employers.­ Many­students­have­found­that­their­internship­experiences­or summer­jobs­lead­to­satisfying,­full-time­positions.

The­information­on­the­following­pages­addresses­all­aspects­ of­financial­aid.­By­applying­for­financial­aid,­you­can­make­an­ already­great­value­even­more­affordable.

Why is it a good idea to graduate in four years?

CALU 4 YOU

There are lots of reasons.

Some­students­want­to­enter­ the­full-time­workforce­as­soon as­possible,­while­others­plan­to continue­their­education­at­the THE FOUR-YEAR graduate­level­and­wish­to­ GRADUATION complete­their­undergraduate P L A N studies­quickly.­And,­if­you­are like­lots­of­others,­you­may­want­to­save money.­­­ Our­Four-Year­Graduation­Plan­offers­incoming­freshmen guaranteed savings in­time­and­money­as­they­work­ toward­the­completion­of­their­baccalaureate­degree.­ The­Cal­U­Four-Year­Graduation­Plan­offers­students­a helpful­combination­of­advising,­course­scheduling­and individual­attention,­ensuring­efficient­and­steady progress­toward­graduation­in­four­years.

Financial Aid Eligibility In­order­to­qualify­for­assistance­from­federal,­state,­and­ University­financial­aid­programs,­a­student­must­complete­the Free­Application­for­Federal­Student­Aid­(FAFSA)­and­submit­it­ to­the­federal­processor.­When­you­apply­for­federal­student­aid, the­information­reported­on­the­FAFSA­is­used­in­a­formula­ approved­by­Congress.­This­federal­formula­determines­a­ student’s­Expected­Family­Contribution­(EFC)—the­amount­you and­your­family­are­expected­to­contribute­toward­your­education.

The basic elements included in determining the EFC are: • Contribution­from­the­parents’­income • Contribution­from­the­student’s­income • Contribution­from­the­assets­of­the­parents • Contribution­from­the­assets­of­the­student In­addition­to­these­basic­elements,­household­size,­number­of­ students­in­college­and­the­age­of­the­oldest­parent­are­also­ reflected­in­the­calculation­of­the­student’s­EFC.­If­your­EFC­is­ below­a­certain­amount,­you­will­qualify­for­a­federal­Pell­Grant.

To­determine­eligibility­for­other­federal­aid,­a­student’s­ EFC­is­used­in­the­following­equation:­

Cost of AttendAnCe Less: expeCted fAmILy ContrIbutIon = fInAnCIAL need The­EFC­is­then­deducted­from­the­total­cost­of­attendance.­ The­cost­of­attendance­includes­both­direct­costs­(charged­by the­University)­and­indirect­costs­(non-University­expenses).­ The­difference­between­the­total­cost­and­how­much­the­ student­and­family­are­expected­to­contribute­is­the­student’s­ eligibility­for­need-based­financial­aid.­Most­federal­aid­is awarded­on­the­basis­of­financial­need.­However,­regardless­ of­your­financial­need,­all­students­will­qualify­for­some­type­ of­federal­financial­aid.

Cal U has been the perfect choice for more than 55,000 alumni.

Make it your choice, too!

How does the program work?

The­agreement­holds­both­the­student­and­the­University responsible­for­clearly­defined­actions.­If­the­student­ follows­the­provisions­of­the­Four-Year­Graduation­Plan, he/she­will­earn­a­Cal­U­baccalaureate­degree­in­four­ years.­The­program­is­for­students­who­begin­as­first-time­ freshmen,­stick­to­one­major,­take­a­full­course­load­and make­appropriate­academic­progress.­Students­must­be­ enrolled­in­a­program­in­which­a­bachelor's­degree­can­be earned.­In­other­words,­students­who­enter­the­university­as "undecided"­are­not­eligible.

STEP 1: Submit­the­Free­Application for Federal­Student­Aid­(FAFSA)­via­the­Web at­www.fafsa.gov as­soon­as­possible­after Jan.­1.­Students­must­reapply­each­year.

Students­who­elect­to­participate­will­work­closely with­ the­Office­of­Family­and­Parent­Engagement,­Scheduling­ Center­and­their­academic­advisers­to­ensure­that­degree requirements­are­met­and­appropriate­course­sequencing­ is­followed.­Students­who­are­interested­in­the­plan­(and whose­intended­major­qualifies)­may­sign­up­for­the­ Four-Year­Graduation­Plan­Agreement­from­the­date­they are­first­accepted­by­the­University­through­the­first­two weeks­of­the­first­(fall)­semester­of­enrollment.

STEP 2: Once­students­submit­the­ application,­they­will­be­taken­to­a­ confirmation­page­that­shows­their­ confirmation­number­and­estimated­ Expected­Family­Contribution­(EFC).­ Students­who­provide­a­valid­e-mail­ address­will­receive­an­e-mail­with­a­ link­to­their­Student­Aid­Report­(SAR)­ information­within­five­days­after­filing­ the­FAFSA.

Every­semester,­the­student­will­meet­with­advising­and scheduling­services­to­monitor­progress,­to­ensure­that requirements­are­being­met,­and­to­keep­track­of­the number­of­semester­hours­that­have­been­earned­toward the­degree.­The­Four-Year­Graduation­Plan­will­serve­as­a map­to­a­four-year­graduation­goal.

Application Process The following steps are involved in the financial aid and needs analysis process: STEP 3: The­Financial­Aid­Office­ (FAO)­will­receive­the­information­ contained­on­your­SAR­electronically to­ determine­your­eligibility­for­financial­aid.

The­FAO­will­then­mail­you­a­financial­aid award­letter.­The­award­letter­will­indicate your­eligibility­for­one­or­more­financial­ aid­programs.­Typically,­the­awarding process­begins­in­late­March­of­each­year.

REAPPLY EACH YEAR: Financial­ aid­is­not­renewed­automatically.­Federal requirements­and/or­your­family’s­financial situation­may­change.­Therefore,­you­must reapply­each­year.

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FAFSA on the Web Benefits n n

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Online­FAFSA­can­support­an­unlimited­number­of­users,­ allowing­thousands­of­students­to­apply­at­once.

ITEMS TO COMPLETE Gather financial aid documentation necessary for completion of the fAfsA obtain a free Application for federal student Aid (fAfsA) transmit electronic fAfsA to the federal processor.

The earlier the better! (Keep a copy for your records!) review your student Aid report (sAr) for errors and make any necessary corrections provide the financial Aid office (fAo) with all requested information MARCH 15 - deadline for Institutional endowed scholarship consideration APRIL 1 - fAfsA priority deadline for consideration for federal Campus-based programs (fWs, fseoG, & perkins) financial aid award letters mailed to students MAY 1 - fAfsA deadline for pHeAA state Grant (submission encouraged

by April 1 to allow for processing) Complete federal direct stafford Loan master promissory note and loan entrance counseling at studentLoans.gov. receive results of pHeAA Grant eligibility receive billing statement from bursar’s office

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due date for paying fall semester bill

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Financial Aid Timeline . . . What to Do and When _________________________________________________________________

Please Note: California University does not have an institutional financial aid application.

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Please­take­the­time­to­read­the­instructions­before­ completing­your­FAFSA.­Most­questions­can­be­answered through­the­instruction­information­contained­on­the­FAFSA website.­In­addition,­our­Financial­Aid­Office­Web­page­ contains­many­helpful­topics­and­links­that­may­provide­you with­additional­assistance­in­completing­the­FAFSA.­A­link­to our­Web­page­can­be­found­at­www.calu.edu,­or­you­can­ contact­our­office­by­phone­at­724-938-4415.­

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Once­you­submit­your­application,­you’ll­be­taken­to­a­ confirmation­page­that­shows­your­confirmation­number­and estimated­Expected­Family­Contribution­(EFC).­If­you­provide­ a­valid­e-mail­address,­you­will­receive­an­e-mail­with­a­link­to your­Student­Aid­Report­(SAR)­information­within­five­days after­filing­the­FAFSA.­If­you­do­not­provide­a­valid­e-mail­ address,­you­will­receive­a­paper­Student­Aid­Report­(SAR)­or SAR­Acknowledgment­in­the­mail­about­two­weeks­after­ submitting­your­online­FAFSA.­­

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The­PIN­can­be­retrieved­in­real­time­or­students/parents­may have­it­sent­by­e-mail­to­their­home.

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After­completing­the­FAFSA­via­the­Web,­students­and/or­ parents­(of­dependent­students­only)­must­sign­the­FAFSA­ electronically­with­a­Personal­Identification­Number­(PIN)­ provided­by­the­U.S.­Department­of­Education.

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Before­you­complete­the­electronic­version­of­the­FAFSA,­it­ is­recommended­that­you­complete­the­FAFSA on the Web Worksheet.­This­helpful­worksheet­ensures­accuracy­when­ completing­the­FAFSA­via­the­Web.­As­with­FAFSA­on­the­Web, the­worksheet­also­has­helpful­instructions­throughout­the form.­The­FAFSA­on­the­Web­Worksheet­can­be­downloaded­ directly­from­the­FAFSA­website­at­www.fafsa.gov.

Online­FAFSA­is­free.

The­FAFSA­on­the­Web­site­provides­students/parents­with­ numerous­electronic­options,­such­as­checking­on­the­status of­your­FAFSA­form,­requesting­a­duplicate­set­of­SARs,­tips and­shortcuts,­and­requesting­a­PIN.­ Students­can­save­their­application­information­for­up­to­45 days,­so­that­it­can­be­completed­and­transmitted­later.

Online­FAFSA­does­not­require­software­to­be­installed,­so­it takes­less­time­before­students­can­use­the­application.

Students­can­access­the­Online­FAFSA­Web­page­from­ anywhere,­including­school­or­home,­making­it­more convenient­to­complete­the­application.

Online­FAFSA­automatically­edits­applicant­answers­before transmitting,­resulting­in­better­information­and­fewer­ applications­rejected­by­the­Central­Processing­System­(CPS).

Online­FAFSA­uses­skip­logic,­so­it­will­only­ask­students those­questions­that­they­need­to­answer.

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In­order­to­qualify­for­assistance­from­federal,­state­and­ University­financial­aid­programs­at­California­University­of Pennsylvania,­a­student­must­complete­the­Free­Application for­Federal­Student­Aid­(FAFSA)­each­year.­The­student­and parent­(if­applicable)­must­complete­the­FAFSA­form­at­the U.S.­Department­of­Education­website­called­“FAFSA­on­the Web”­(www.fafsa.gov).­The­FAFSA­form­should­be­completed as­soon­as­possible­after­Jan.­1,­but­before­April­1,­in­order­to qualify­for­the­maximum­financial­aid­assistance.­­

Worksheet

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Financial Aid Application Process

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Federal and State Aid Programs

FAFSA Filing Tips

Federal Grants

Eligibility Criteria for State Aid Programs

Federal Pell Grants are­awarded­to­undergraduate­students­to­ assist­with­their­educational­costs.­The­Federal­Pell­Grant­Program will­notify­applicants­of­their­eligibility­through­a­Student­Aid­ Report­(SAR)­mailed­to­their­permanent­address.­The­Pell­Grant award­ranges­from­$602­to­$5,730.

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Federal Supplemental Educational Opportunity Grants (FSEOG) are­generally­targeted­to­Pell-eligible­recipients­who­demonstrate­ exceptional­need.­ The­FSEOG­award­ranges­from­$500­to­$1,500­.

Student Employment Federal Work-Study Employment provides­part-time­employment to­undergraduate­students.­Students­are­paid­$7.25­per­hour­and typically­work­eight­hours­per­week.

­­­The­student­must­be­a­Pennsylvania­resident ­­­The­student­must­complete­the­Free­Application­for­Federal­ ­­­­­­Student­Aid­(FAFSA)­by­May­1­each­year n ­­­The­student­must­be­enrolled­on­at­least­a­half-time­basis­in­a­ ­­­­­­PHEAA-approved­undergraduate­program­of­study n ­­­The­student­must­be­a­high­school­graduate­or­the­ ­­­­­recipient of­a­GED n ­­­The­student­must­demonstrate­academic­progress­for­ ­­­­­continued­aid

Be­sure­to­include­“California­University­of­ Pennsylvania”­and­our­Title­IV­institutional­code­ of­­“003316”­in­Section­Five­(colleges­to­receive­ information)­of­the­FAFSA­on­the­Web­Worksheet.

When­reporting­income,­parents­and­students­ should­take­the­adjusted­gross­income­from­their­ last­federal­tax­returns.

State Grant Programs

Use­the­IRS­Data­Retrieval­tool­while­filing­your­FAFSA to­help­reduce­errors.

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PHEAA Grants provide­need-based­state­grant­assistance­ranging from­$500­to­$3,000­per­year.­The­PHEAA­grant­program­is­funded by­the­Commonwealth­of­Pennsylvania­and­is­administered­by the­Pennsylvania­Higher­Education­Assistance­Agency­(PHEAA).­ Students­receive­up­to­eight­full-time­semesters­of­PHEAA­ Grant­assistance­or­sixteen­semesters­of­part-time­assistance.

Loans Federal Direct Stafford Loan program provides­low-interest­loans to­students­regardless­of­income­or­financial­need.­The­maximum Stafford­Loan­for­freshmen­is­$5,500.­(See­“Stafford­Loan­ Borrowing­Chart”­on­page­8­for­other­loan­limits.)

Federal Perkins Loan program provides­low-interest­loans­to­ eligible­undergraduate­students­who­demonstrate­exceptional need.­The­Perkins­Loan­award­ranges­from­$1,500­to­$3,000.­ Federal Direct Parent Loan for Undergraduate Students (PLUS) program is­available­to­parents­who­possess­good­credit­and­wish to­borrow­to­provide­for­their­son’s­or­daughter’s­education.­The annual­loan­limit­is­the­cost­of­education­less­other­financial­aid received­by­the­student.

Make­sure­your­application­contains­the­correct­Social Security­number.

Other State Grants Several­other­states­(including­Ohio,­Maryland,­West­Virginia,­ Massachusetts,­Vermont,­Connecticut,­Rhode­Island,­Delaware­and Maine),­have­grants­that­can­be­transferred­to­schools­outside­the state.­Interested­students­may­obtain­information­concerning­these programs­from­their­high­school­guidance­counselors­or­from­their appropriate­state­higher­education­agency.

When­reporting­taxes­paid,­parents­and­students should­list­the­actual­taxes­paid­as­shown­on­their­ last­federal­tax­returns­(not­from­their­W-2s).

Parents­and­students­should­report­all­sources­of­ untaxed­income.­For­example,­you­should­include­ Social­Security,­Aid­to­Dependent­Children­(ADC), Workers’­Compensation,­etc.

Divorced­parents­sometimes­include­their­ex-spouse’s income.­They­should­list­only­their­income­and­that­of their­current­spouse.

Students­must­check­“Yes”­to­the­student­ employment­question­in­order­to­be­considered­for either­federal­or­non-federal­work-study­employment.

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University Assistance

Private Assistance

Student Employment

Scholarships/Grants

Institutional­employment­(non-FWS)­provides­employment­ opportunities­to­students­regardless­of­financial­need.­Work­ assignments­and­work­schedules­are­the­same­as­those­for­the Federal­Work-Study­Program.­Interested­students­must­file­ the­FAFSA­form­to­qualify.­Additional­information­regarding this­program­can­be­obtained­by­contacting­the­Financial­ Aid­Office.

There­are­also­many­other­agencies­and­organizations­that­ provide­financial­assistance.­These­include­civic­clubs,­fraternal organizations,­religious­groups,­employers,­organizations, unions,­etc.­Guidance­counselors,­local­civic­leaders­or­local­ librarians­are­of­great­help­in­researching­such­avenues­of­ financial­assistance.­

Other Financing Options

Athletic Grant-in-Aid California­University­of­Pennsylvania­offers­athletic­ grant-in-aid­assistance­to­outstanding­student­athletes­in­ selected­intercollegiate­sports­programs­for­both­women­ and­men.

Scholarships California­University­of­Pennsylvania­offers­a­number­of­ merit-­and­need-based­scholarships­to­new­students.­All­ students­who­complete­the­California­University­Admissions Application,­are­accepted­to­the­University­and­meet­the­ various­scholarship­criteria­are­automatically­considered­for­ all­new­student­scholarships.­However,­since­most­incoming­ freshman­scholarships­are­awarded­by­April­1,­it­is­strongly­ recommended­that­interested­students­have­applied­and­ been­accepted­by­March­15.­

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Payment Plans In­addition,­some­of­our­scholarships­are­need-based;­ therefore­it­is­strongly­recommended­that­new­students­ wishing­to­be­considered­for­scholarship­possibilities­ complete­the­Free­Application­for­Federal­Student­Aid­(FAFSA) by­March­15.­Finally,­a­limited­number­of­our­scholarships­may require­the­applicant­to­complete­additional­information­for final­determination­of­the­award. n

The­scholarships­offered­range­from$100­to­full­tuition­for the­academic­year.

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Many­of­the­scholarships­are­renewable­awards­based­on the­student­maintaining­satisfactory­academic­standards and­demonstrating­financial­need,­if­applicable.

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The­Faculty­Scholarship­is­the­most­prestigious­merit-based scholarship­award­offered­to­new­students.­The­University Scholarship­Committee­makes­its­selection­for­this­award from­the­pool­of­new­freshmen­who­have­a­combined score­of­at­least­1200­on­the­SAT­and­are­full-time­degreeseeking­students­at­California­University.­This­award­is­a full-tuition­(in-state)­scholarship.

California­University­offers­payment­plans,­which­enable­you­ to­pay­college­costs­in­specified­increments­on­a­monthly basis.­Many­families­find­monthly­payment­plans­make­paying for­college­more­manageable.­Contact­the­Bursar’s­Office­at­ 724-938-4431­for­more­information.

Private Education Funding (Non-federal Loan Programs) In­addition­to­the­federal­loan­programs,­there­are­private sources­of­educational­loans.­These­loans­are­sponsored­by banks,­state­agencies­or­private­grantors­and­are­available­to credit-worthy­students.­Since­these­loans­are­not­subsidized by­the­federal­government,­they­are­usually­higher-cost­loans (higher­interest­rate)­to­the­borrower­and­should­only­be­ considered­as­a­last­resort­after­all­other­financial­aid­options have­been­explored.­Most­alternative­loans­require­a­ co-signer;­however,­repayment­of­principal­and­interest­may be­deferred­in­most­cases.­You­can­find­our­private­alternative lender­list­by­selecting­"Loans"­and­then­"Private­Alternative Loan"­at­our­Financial­Aid­Office­Web­page­at­www.calu.edu.

University Scholarships Scholarship Directory This­is­a­sampling­of­the­scholarships­available­to­Cal­U­students.­Because­of­our­ever-expanding­scholarship­opportunities­for­new­students,­please­visit­our­Financial­Aid­Office­Web­page­for­the­ most­current­directory­of­California­University­scholarships.­This­scholarship­directory­can­be­found­by­selecting­“Scholarships”­from­our­main­menu­at­the­Financial­Aid­Office­Web­page­located­on­ our­website,­www.calu.edu.

–the Honorable fred & Katy Adams scholars fund –African American Alumni society scholarship –American federation of state County and municipal employees (AfsCme) Local 2322/student Association, Inc. scholarship –Alumni scholarship fund –david L. and nancy m. sivek Amati early Childhood/elementary education scholarship –Angelo sr. and Adele tavani Armenti memorial scholarship

–California university of pennsylvania foundation and Alumni scholarship

– Joan L. Helsel univeristy band endowed scholarship fund

– Karnash / mandell scholarship fund – terry martina university Choir scholarship

– bernard J. and marguerite s. singer technology education scholarship

–Jennie Adams Carter scholarship

– dr. Jay d. Helsel ’59 Applied engineering and technology edowed scholarship fund

– Anthony p. mcgrew endowed scholarship

– the Charles W. slick football scholarship

– phyllis mcmanus, Class of 1970 scholarship

– G. ralph smith II General scholarship fund

– michelle mcmillen memorial scholarship

– dr. saundra L. stout ’72 endowed fund

– dr. Lawrence C. miller technology education scholarship

– steven and Lynne stout Legacy scholarship

–Jesse Hereda Honors scholarship –francis J. Herron endowed scholarship fund

– mon Valley nAACp scholarship

– Joseph “moe” and rita susick belle Vernon Area scholarship

–eleanore C. Hibbs ’38 scholarship

– monongahela Valley Hospital registered nurse scholarship

– Joseph p. smyth ’38 memorial scholarship fund

– Lawrence L. moses scholarship in metorology

– skip tencer memorial scholarship

–Charleroi American Legion post 22 scholarship –the Leonard m. & donna fisher Colelli scholarship – the Columbia Gas of pennsylvania student scholarship fund – thomas L. and nancy L. Crumrine family scholarship

–Joy m. Helsel fraternity/sorority scholarship –J. Helsel family scholarship

–Highmark Health sciences scholarship

–the James t. -martha e. davis scholarship

–the oren Holman scholarship endowment

–Athletic training scholarship

– elwin ’72 & Irene ’71 “threshold” dickerson scholarship

–professor merrell e. Holman ’42 Honors scholarship

–Colonel Arthur L. bakewell Veterans scholarship fund

– richard dishong memorial scholarship

–Coach Joe Howard memorial scholarship

–berlie e. dishong, sr. Graduate scholarship

–Huth technologies scholarship for men’s rugby Athletics

– balsano family scholarship –barcelona scholarship fund

–Joseph dochinez scholarship –Catherine dunn memorial scholarship fund

– elmo natali endowment fund – michael J. ’68 and nancy K. napolitano scholarship

– theta xi fraternity-beta sigma Alumni Association scholarship – donald and Ardith thompson scholarship

– sandra L. nicklas scholarship

– steve and Helen tselepis football scholarship

–ronald “bunny” Johns memorial scholarship

– mary noss freshman scholarship

– thomas J. usiadek ’66 scholarship

–Jeff and Gerri Jones family scholarship

– pennsylvania America Water Company scholarship in memory of Gerald C. smith

– robert A. Vargo earth sciences scholarship fund

–bruce d. ’83 and mary Jo ’84 barnhart scholarship fund

–Kody dwire memorial scholarship

–Lillian majoros bassi ’49 education scholarship fund

– Verland scholarship

– pittsburgh penguins scholarship

– minor/Walton endowed scholarship fund

–Jeff and beverly berger endowed scholarship

–michael Keller memorial scholarship for non-traditional students

– perry family scholarship fund

–dennis L. eckels. d.o. ’71 scholarship – emelson theater and dance scholarship

–dr. Gabriel p. betz earth space science/ Geography scholarship

–Gary and midge Kennedy scholarship

– presidential scholarship fund

–emeriti faculty Association Academic scholarship

–stan and michelle Komacek scholarship

– dr. John bitonti, Jr. memorial scholarship Award

–faculty scholarship endowment fund

–Andrew Kovach scholarship fund

– dave W. robey and family football scholarship

– Washington financial bank endowed scholarship

–mitchell and Cheryl Kozikowski scholarship fund

– dr. Lawrence d. and mrs. Joanne K. romboski scholarship

–the dr. Gaston Lebois Graduate scholarship fund

– rutledge family scholarships

–marcy rye blout and patrick miller scholarship In Communication studies –board of Governor’s scholarship –bill and Candice booker student Leader scholarship –susan C. brooks scholarship in education – Cal Gals scholarship fund –California dreamin’ scholarship –California ptA scholarship

–eberly family scholarship

– Clemens and Anna mologne fischer scholarship –William r. flinn II scholarship

–mike Kara scholarship

–mildred swift funk scholarship

–david and Wendy Lee endowed scholarship

– Alex s. and elizabeth sabo memorial scholarship

–the Arthur & millicent Gabriel Computer science/Information technology scholarship

–mark C. Lewis memorial scholarship

– Harriet saludis memorial scholarship

–Lippencott family football scholarship

– phil schaltenbrand/Westerwald pottery scholarship

–richard C. and peggy Jo Grace scholarship –debra f. Hardy scholars fund –norman and ellen Hasbrouck Honors scholarship

–mary Lonigro scholarship fund –Larry maggi endowed scholarship fund

– dr. michael f. and mrs. Clara H. serene scholarship

–dick majernik/Lloyd Gilmore basketball Award scholarship for Academic Achievement

– sigma tau Gamma endowed scholarship

– John p. and Carole Watkins Women’s tennis scholarship – richard H. and barbara moluski Webb scholarship fund – World Kitchen, LLC – ralph W. young family foundation scholarship – Jay and Cissy Zeffiro scholarship fund – Zeta epsilon of delta Zeta scholarship fund – Janis m. Zivic ’64 endowed scholarship – daryl J. Zupan business Administration scholarship

CAL U {5

Federal Direct Stafford Loan Application Process Electronic Master Promissory Note (eMPN) and Entrance Counseling Procedures For 2014-2015 at California University of Pennsylvania Please follow these important steps to apply for a Federal Direct Stafford Loan.

Step 1: File­your­2014-2015­FAFSA­on­the­Web­at­www.fafsa.gov.

The­Financial­Aid­Office­will­automatically­create­a­Federal­Direct Stafford­Loan­record­for­you­once­we­receive­your­verified­ FAFSA­results.

Please Note: The eMPN only needs to be completed once every 10 years!

Step 2: The­Financial­Aid­Office­will­calculate­your­maximum Stafford­Loan­eligibility,­determine­the­type­of­Stafford­Loan­ (subsidized­or­unsubsidized)­and­place­this­amount­in­your­ financial­aid­award.­We­will­calculate­your­eligibility­based­on­ your­financial­need­and­grade­level.

Step 4: Please­sign­your­Electronic­Master­Promissory­Note (eMPN)­by­logging­onto­StudentLoans.gov and­follow­the­steps outlined.­You­will­need­your­Federal­Student­Aid­PIN­to­complete this­process.­You­will­also­need­the­names,­addresses­and­ telephone­numbers­of­two­references­with­different­U.S.­ addresses­who­have­known­you­for­at­least­three­years.­The­ first­reference­is­typically­a­parent­or­guardian.

Step 3: The­Financial­Aid­Office­will­"originate"­your­Federal­Direct Stafford­Loan­information­with­the­U.S.­Department­of­Education.

Once­your­loan­application­has­been­approved­you­may­sign­your Electronic­Master­Promissory­Note­(eMPN).

Step 5: Complete­your­online­Direct­Loan­Entrance­Counseling­ session­by­visiting­the­Department­of­Education­Loan­Counseling site­at­StudentLoans.gov and­selecting­"Entrance­and­Exit­ Counseling"­on­the­top­of­the­page.

Stafford Loan Borrowing Chart Dependent Students (Parents approved to borrow a Plus Loan) Freshman Sophomore Junior or Senior

Base Amount $3,500 $4,500 $5,500

Additional Unsubsidized Stafford Loan $2,000 $2,000 $2,000

Dependent Students (Parents denied PLUS Loan)/Independent Students Freshman $3,500 Sophomore $4,500 Junior or Senior $5,500 Graduate Students N/A

$6,000 $6,000 $7,000 N/A

Total Stafford Loan Amount $5,500 $6,500 $7,500

$9,500 $10,500 $12,500 *$20,500

Please­Note:­­This­chart­represents­the­maximum­loan­amounts­a­student­can­borrow­each­year.­However,­this amount­could­be­less­depending­on­a­student’s­annual­and­aggregate­loan­limit,­the­total­amount­of­financial­aid received­by­the­student,­and­the­student’s­cost­of­attendance­budget.­­ *Graduate­students­are­eligible­only­for­Unsubsidized­Stafford­Loans.

6 } CAL U

Financial Aid Web Sites Scholarship Search Files

Financial Aid Resources

FastWEB: This­scholarship­resource­locator­was­created­in 1995.­You­will­be­given­an­online­questionnaire­and­personal mailbox­ID.­Scholarships­will­be­posted­to­you­and­updated periodically.­www.fastweb.com

College Board Online: This­site­attempts­to­orient­parents­ and­students­to­the­process­of­applying­to­college­and­the­ financial­aid­process.­www.collegeboard.org

Mach25: Mach25­is­a­simple­and­fast­scholarship­resource­ locator­on­CollegeNet.com.­Students­develop­a­profile­of themselves­to­locate­scholarships­that­best­match­their­ qualifications.­www.mach25.com

Federal Financial Aid The Student Guide: This­site­provides­general­information­ regarding­federal­financial­aid­programs,­eligibility,­application process,­deadlines,­special­circumstances­and­a­glossary.­ This­site­is­provided­by­the­Department­of­Education. www.studentaid.ed.gov

Financial Institutions PHEAA: This­site,­developed­by­the­Pennsylvania­Higher­ Education­Assistance­Agency,­provides­various­types­of­ financial­aid­information­and­resources­for­parents­and­ students.­Students­may­access­the­status­of­their­PHEAA­ State­grant­at­this­site:­www.pheaa.org FAFSA4CASTER: This­online­tool­developed­by­the­federal­ government­helps­families­calculate­federal­financial­aid­ eligibility.­www.fafsa4caster.ed.gov

Department of Veteran Affairs: The­Veterans­Online­ Applications­(VONAPP)­website­is­an­official­U.S.­Department of­Veterans­Affairs­(VA)­website­that­enables­veterans­to­ apply­for­benefits­using­the­Internet.­U.S.­military­veterans­ and­some­service­members­within­six­months­of­separation­ or­retirement­can­apply­for­compensation,­pension­and­ vocational­rehabilitation­benefits.­U.S.­military­veterans,­ service­members­with­two­years­of­service,­and­members­ of­the­Selected­Reserve­can­apply­for­education­benefits­at www.vabenefits.vba.va.gov.

Office of Vocational Rehabilitation (OVR): This­website­ provides­information­regarding­services­and­educational­ training­opportunities­available­to­assist­individuals­ with­disabilities­in­obtaining­and­retaining­employment­ within­the­Commonwealth­of­Pennsylvania.­ www.portal.state.pa.us/portal/server.pt/community/ vocational_rehabilitation/10356 PASFAA: This­site­was­developed­by­the­Pennsylvania­ Association­of­Student­Financial­Aid­Administrators­to­provide helpful­financial­aid­resource­information­to­parents­and­ students.­Visitors­to­this­site­will­find­information­on­college planning­and­preparing­your­child­for­college,­a­listing­of Pennsylvania­universities­and­colleges,­and­the­NCAA­Guide for­College­Bound­Athletes.­www.pasfaa.org

EducationPlanner: This­website,­developed­by­American­ Educational­Services­(AES),­provides­one-stop­career­and­ college­planning­assistance­to­students.­Forbes Magazine rated­it­as­one­of­the­best­websites­in­its­field.­ www.educationplanner.com Financial Aid Information Page: Provides­an­alphabetical­ subject­index­to­the­resources­listed­in­the­Financial­Aid­ Information­page.­Founded­in­1994­and­published­by­Mark Kantrowitz.­www.finaid.org Mapping Your Future: This­site­provides­students­and­families with­information­about­college,­career­and­financial­aid choices­through­a­state-of-the-art­public­service­website. www.mappingyourfuture.org

CAL U { 7

Important Phone Numbers

Frequently Asked Questions

California University of Pennsylvania Academic Records Office

724-938-4434

Admissions

724-938-4404

Bursar

724-938-4431

Cal U Bookstore

724-938-4324

Disabled Student Services

724-938-5781

Financial Aid

724-938-4415

Financial Aid Fax

724-938-4551

Graduate School Office

724-938-4187

Housing

724-938-4444

Operator

724-938-4000

Student Affairs

724-938-4439

Veterans Affairs

724-938-4076

Important Financial Aid Numbers Federal Student Aid Info

1-800-433-3243

Federal Student Aid Hotline TDD

1-800-730-8913

Pell Grant (Duplicate SAR)

1-319-337-5665

Immigration & Naturalization Services

1-800-375-5283

IRS Tax Transcripts

1-800-829-1040

Selective Service

1-888-655-1825

Social Security Administration

1-800-772-1213

Direct Loan Servicing

1-800-557-7394

PHEAA State Grants

1-800-692-7392

What forms are required for financial aid at Cal U? To­apply­for­Federal­(Pell­Grant,­Supplemental­Educational­ Opportunity­Grant­(SEOG),­Work-Study,­and­Stafford­and­Perkins Loans)­and­state­(PHEAA­Grant)­student­aid,­the­student­must­ complete­the­Free­Application­for­Federal­Student­Aid­(FAFSA)­ each­academic­year.­Prior­year­aid­recipients­will­receive­a­renewal reminder­e-mail­from­the­Department­of­Education­describing the­renewal­process­on­the­Web­using­their­Federal­PIN.­New­ students­are­strongly­encouraged­to­file­the­FAFSA­on­the­Web­at www.fafsa.gov.­

When do I apply for financial aid?

Students­can­file­the­FAFSA,­Renewal­FAFSA,­or­FAFSA­on­the­Web after­Jan.­1­for­each­new­award­year.­Students­filing­the­FAFSA­by April­1­will­be­given­priority­consideration­for­Federal­Work-Study, SEOG­and­the­Perkins­Loan­Program.­However,­students­can­file for­financial­aid­at­any­time­during­the­award­year­(July­1­to­June 30).­To­be­considered­for­Institutional­Endowed­Scholarships, FAFSA­should­be­submitted­by­March­15.

What types of financial aid are covered by this application?

All­types­of­federal­(Pell­Grant,­SEOG,­Work-Study,­and­Stafford and­Perkins­Loans),­state­(PHEAA­Grant)­and­University­assistance are­covered­with­this­application.­­­

How do I apply for a Pell Grant?

When­you­complete­the­Free­Application­for­Federal­Student­Aid (FAFSA),­you­are­automatically­considered­for­a­Pell­Grant.

If my parents are divorced or separated, are both of them responsible for contributing to my education?

The­custodial­parent­and­current­spouse,­if­any,­must­complete the­FAFSA­form.­The­non-custodial­parent­is­not­required­to­ report­information­for­federal­student­aid­purposes.­

What is the difference between the Bursar’s Office and the Financial Aid Office?

The­Financial­Aid­Office­determines­financial­aid­eligibility­and awards­grants,­scholarships,­loans­and­work-study.­The­Bursar’s­ Office­distributes­bills­and­collects­payments,­receives­loan­ proceeds­and­issues­refund­checks.

8 } CAL U

Glossary 1040 Form, 1040A Form, 1040EZ Form: The­Federal­Income­Tax­ Return­that­is­required­to­be­filed by­each­person­who­received­ income­during­the­previous­year.

Academic Year: The­period­of­time school­is­in­session,­consisting­of 30­weeks­of­instruction.

Appeal: A­formal­request­made­ by­the­student­to­have­a­financial aid­administrator­review­his/her­ unusual­circumstances,­which­may affect­the­student’s­aid­eligibility (i.e.,­death­of­a­parent,­ unemployment,­etc.)

Award Letter: An­official­letter­ issued­by­the­Financial­Aid­Office that­lists­the­financial­aid­awarded to­the­student.­You­must­check­the awards­you­wish­to­receive.

Bursar’s Office: The­University­ office­responsible­for­billing­and­ collecting­University­charges.­ This­office­also­receives­loan­ proceeds­and­issues­refund­checks.

Campus-Based Aid Programs: There­are­three­financial­aid­ programs­funded­by­the­federal government­but­administered­ by­the­school,­using­federal­ guidelines.­These­programs­are­the Federal­Supplemental­Educational­ Opportunity­Grant­(FSEOG),­ Federal­Perkins­Loan­Program­and the­Federal­Work-Study­Program.

Cost of Attendance (COA): also­known­as­the­cost­of­ education­or­“budget,”­is­the­ total­amount­used­to­calculate­ a­student’s­aid­eligibility.­This amount­includes­tuition­and­fees, room­and­board,­allowances­for books­and­supplies,­transportation, and­personal­and­incidental­ expenses.­ College Work-Study: A­part-time­job for­undergraduate­students.­This­is often­referred­to­as­the­Federal Work-Study­Program.

Commuter Student: A­student­ who­resides­at­home­with­his/ her­parents­and­commutes­to­ school­daily.

Custodial Parent: In­the­event­a­ student’s­parents­are­separated­or divorced,­the­custodial­parent­is the­one­who­is­providing­more than­1/2­of­the­student’s­support.­ If­both­parents­provide­equal­ support,­then­the­Custodial­Parent is­designated­as­the­one­with whom­the­student­lived­the­most during­the­past­12­months.

Disclosure Statement: A­statement from­the­lending­institution­that provides­the­borrower­with­ information­regarding­the­ approval­amount­of­the­loan,­ interest­rate,­origination­and insurance­fees,­and­any­other finance­charges­incurred.

Electronic Funds Transfer: Used­by­lenders­to­wire­funds­for Stafford­Loan­proceeds­directly­ to­participating­schools­without­ requiring­a­check­for­the­student­ to­endorse.

Enrollment Status: Indication­of total­credits­scheduled­for­an­ enrollment­period.­Most­aid­ programs­require­students­to­ be­enrolled­at­least­half-time­to­ receive­aid.

Expected Family Contribution (EFC): The­amount­of­money­that­the­ family­is­expected­to­contribute­ to­the­student’s­education.­This­is based­on­the­Federal­Methodology need­analysis­formula­dictated­ by­Congress.

Financial Aid Package: This­ includes­any­aid,­such­as­grants, scholarships,­loans­and­work-study, offered­to­the­student­to­assist­in the­funding­of­his/her­education.­

Dependent Student: A­student­who is­23­years­old­or­younger­and­is supported­by­his/her­parents.­ A­parent­refusing­to­provide­ support­for­a­child’s­education­is­ not­sufficient­for­the­child­to­be­ declared­independent.

Gift Aid: Financial­aid­which­is­ not­repaid,­such­as­scholarships­ and­grants.

Disbursement: The­release­of­loan proceeds­to­the­school­for­delivery to­the­borrower.

Grant: A­type­of­financial­aid­based on­financial­need­that­a­student does­not­repay.

Independent Student: Must­meet­at­least­one­ of­the­following: –­­Age­24­or­older –­­Veteran­of­the­U.S.­Armed­Forces –­­Enrolled­in­a­graduate­or­ ­­­professional­program­beyond­a­­­ ­­­­bachelor’s­degree –­­Married –­­Orphan­or­ward­of­the­court,­or­ ­­­­a­ward­of­the­court­until­age­18 –­­Legal­dependents­other­than­ ­­­­­­ ­­­­spouse­for­which­you­are­ ­­­­responsible­ Loan: Borrowed­money­that­you must­repay­with­interest.

Need: The­difference­between­ the­Cost­of­Attendance­and­the­ Expected­Family­Contribution­is known­as­financial­need.

Pell Grant: A­federal­ need-based­grant.

Scholarship: Gift­aid­which­is­ not­repaid.­ Stafford Loan: A­Stafford­Loan comes­in­two­forms,­unsubsidized and­subsidized.­Students­are­ required­to­pay­interest­on­an­ unsubsidized­loan;­whereas,­the government­pays­the­interest­on­ a­subsidized­loan­while­the­student is­in­school.­

Supplemental Educational Opportunity Grant (SEOG): A­Federal­grant­program.­ Unmet Need: The­difference­ between­the­student’s­financial need­and­total­need-based­aid.

Unsubsidized Loan: A­loan­ on­which­the­government­does not­pay­the­interest.­The­borrower is­responsible­for­the­interest­on­an unsubsidized­loan­from­the­date the­loan­is­disbursed,­even­while the­student­is­still­in­school.­ Untaxed Income: Contributions­ to­IRAs,­Keoghs,­tax-sheltered­ annuities­and­401(k)­plans,­as­well as­workers’­compensation­and­ welfare­benefits.

U.S. Department of Education: Federal­agency­that­administers several­federal­student­financial­aid programs,­including­the­Pell­Grant, the­Federal­Work-Study­Program, the­Perkins­Loan,­the­Stafford­Loan and­the­PLUS­Loan.

Verification: A­review­process­in which­the­Financial­Aid­Office­ determines­the­accuracy­of­the­ information­provided­by­the­ student­and­parents­on­their FAFSA.­During­this­process,­the­ student­will­be­required­to­submit requested­documentation.

Subsidized Loan: A­loan­on­which the­government­pays­the­interest while­the­student­is­in­school.­ Subsidized­loans­are­based­on need,­and­may­not­be­used­to­ finance­the­family­contribution.

CAL U {9

FOR MORE I N F O R M AT I O N Office of Financial Aid Dixon Hall 105 PHONE: 724-938-4415 FAX: 724-938-4551 www.calu.edu Office of Admissions California University of Pennsylvania 250 University Avenue California, PA 15419 PHONE: 1-888-412-0479 or 724-938-4404 FAX: 724-938-4564

A proud member of the Pennsylvania State System of Higher Education.

California University of Pennsylvania is an academic community dedicated to the ideals of justice, fairness and equal opportunity for all. In compliance with federal and state laws, the University is committed to providing equal educational and employment opportunities for all persons without regard to race, color, sex, religion, national origin, age, disability, ancestry, sexual orientation or status as a disabled or Vietnam era veteran. The University will not tolerate racial, ethnic or sexual discrimination. Sexual harassment is considered by law to be a form of sexual discrimination and is, therefore, unacceptable.

Direct equal opportunity and affirmative action inquiries or complaints to the Special Assistant to the President for Equal Employment and Educational Opportunity (EEEO), Office of Social Equity, South Hall 112, 724-938-4014. Direct inquiries regarding services or facilities accessibility to the ADA/504, Compliance Officer, Office of Student Development and Services, G 52 Carter Hall, 724-938-4056. Direct Title IX inquiries to the Senior Women's Administrator/Title IX Coordinator, Department of Athletics, Hamer Hall 248, 724-938-4351.

VFA 28M 9.14

CALIFORNIA UNIVERSITY OF PENNSYLVANIA DEGREE PROGRAMS AND CONCENTRATIONS BACHELOR DEGREES Anthropology Forensic Anthropology Archaeology Arabic Language & Cultures Art Art Studio Athletic Training Biology Pre-Medicine Pre-Chiropractic Medicine Pre-Dentistry Pre-Osteopathic Medicine Mortuary Science (co-op program) Pre-Optometry Pre-Podiatric Medicine Pre-Pharmacy Pre-Veterinary Medicine Business Administration Human Resource Management Accounting Business Economics Finance Marketing Management Information Technology Management Chemistry Commercial Music Technology Communication Disorders Communication Studies Public Relations Radio & TV Speech Communication Computer Engineering Technology Computer Information Systems Computer Science Earth Science Meteorology Environmental Environmental Hazards

Education Certification for Secondary Schools - Art - Biology - Chemistry - Communication - Earth & Space Science - English - Mathematics - Physics - Social Studies - Spanish Technology Education K-12 Childhood Education PreK-4 Childhood Education PreK-4/Special Ed Middle Level Education Grades 4-8 - Language Arts/Reading - Mathematics - Science - Social Studies - Math & Language Arts/Reading - Math & Science - Math & Social Studies - Science & Language Arts/Reading - Science & Social Studies Middle Level Education Grades 4-8/ Special Ed - Language Arts/Reading - Mathematics - Science - Social Studies Electrical Engineering Technology English Creative Writing Journalism Language & Literacy Literature Environmental Studies Conservation Ecology Fisheries & Wildlife Biology Environmental Science Leadership and Management Natural Resource Management and Policy

Geography Climatology GIS & Emergency Management Tourism Studies Geology Gerontology Graphic Design Graphics & Multimedia History International Studies Jurisprudence with concentration in Land Management Jurisprudence with concentration in Legal Studies Justice Studies Homeland & International Security Criminology Law & Justice Forensic Science Liberal Studies Mathematics Mechatronics Engineering Technology Nursing (BSN) for RNs Nursing (BSN) for RNs Online Parks & Recreation Management Philosophy Physics Political Science Pre-Law Psychology Social Science Social Work Sociology Applied Sociology Science and Technology Multidisciplinary Studies Spanish Sport Management Studies Professional Golf Management Wellness & Fitness (online) Technology Management Theatre

Undecided in Education Undecided in Liberal Arts Undecided in Science & Technology

ASSOCIATE DEGREES Accounting Computer Engineering Technology Computer Science Technology Computer Information Systems Early Childhood Electrical Engineering Technology Graphics & Multimedia Industrial Technology Liberal Studies Nursing (RN) co-op with CCAC Degree issued by CCAC Physical Therapist Assistant Radiologic Technology Robotics Engineering Technology Technical Studies

CERTIFICATE PROGRAMS Land Management

LETTERS OF COMPLETION Spanish for Business Spanish for Law Enforcement Sex Crimes Involving Online Predators Industrial Safety

For a current listing of all programs, please visit the Cal U website at www.calu.edu.