Terms Graduate 2014 15 by Santa Clara University

Terms

NOTE: Every effort

has been made to ensure the accuracy of the information in this guide. Since financial aid policy is subject to change, especially regulatory changes, which occur frequently at federal, state and University levels, the information contained herein is subject to change without notice. Revised 10/2014 jsr

Table of Contents Introduction ………………………………………………………………………………...

Rights and Responsibilities ………………………………………………………………...

Official University Communication Policy ………………………………………………...

Financial Aid Applications …………………………………………………………………

Determining a Student’s Need ……………………………………………………………...

Federal Aid Programs ………………………………………………………………………

California State Aid Programs ……………………………………………………………...

Financial Aid Programs by Graduate School Leavey School of Business ……………………………….….…………………….

School of Engineering ……………………………………………………….…….

School of Education and Counseling Psychology …………………………………

Graduate Program in Pastoral Ministries ………………………………………….

Private Aid Programs ……………………………………………………………………….

Education Tax Credits and Tax Deductions ………………………………………………..

Financial Responsibilities ……………………..…………………………………………… Payment …………………………………………………………………………...

Refunds ……………………………………………………………………………

Important Websites …………………………………………………………………………

SANTA CLARA UNIVERSITY FINANCIAL AID OFFICE TERMS AND CONDITIONS - GRADUATE

The following information is not a complete compilation of all financial aid policies and procedures. Rather, it is a collection of what we believe represents the most pertinent information you need to know. Since this information is updated annually, students should read the Terms and Conditions on Financial Aid – Graduate each year. If you have a question, or situation, that is not addressed within this compilation, do not assume an answer. Contact the Financial Aid Office for clarification. Financial Aid Descriptions A description of Santa Clara University financial aid programs can be found in the Santa Clara University Bulletin (School of Engineering, Leavey School of Business, School of Education and Counseling Psychology and Graduate Program in Pastoral Ministries) and the Santa Clara University Financial Aid website at www.scu.edu/ financialaid. A description of the federal financial aid programs, student eligibility, dependency status, as well as a student loan borrower’s rights and responsibilities, can be found in the federal publication, Funding Education Beyond High School published by the U.S. Department of Education as well as their website at www.studentaid.ed.gov. A description of California financial aid programs can be found in the Fund Your Future Workbook published by the California Student Aid Commission (CSAC). Rights and Responsibilities of Financial Aid Recipients Your Rights 

You have a right to know who Santa Clara University has its accreditation and licensing.

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You have a right to the percentage of Santa Clara University’s students who completed their program and the percentage of student who transferred out.

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You have the right to know what financial aid is available to you, including federal, state and University programs. In addition, you have the right to know the deadlines, selection criteria, terms, policies, procedures and regulations that apply to each of the programs.

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You have the right to know how your financial need was determined. This process includes costs for tuition and fees, room and board, transportation, books and supplies and miscellaneous personal expenses.

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You have the right to know what income, assets and other factors are considered in your expected family contribution (EFC) calculation, and how much of your financial need, as determined by Santa Clara University, is met.

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You have the right to know the various elements in your financial aid award.

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If you have a student loan, you have the right to know the terms of the loan, such as interest rate, origination fees, the total amount that must be repaid, the length of time you have to repay it, when you must start repayment, cancellation provisions, deferment and forbearance possibilities and any special consolidation or refinancing options.

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You have the right to appeal your financial aid award if you feel there are special circumstances that were not originally taken into consideration since you completed the FAFSA (Free Application for Federal Student Aid).

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You have the right to know the effect outside scholarships may have on your financial aid award.

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You have the right to know how Santa Clara University determines whether you are making satisfactory academic progress and what happens if you are not.

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You have the right to know how and when your financial aid will be disbursed.

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You have the right to know Santa Clara University’s refund policies, the portion, if any, of tuition and fees that are refunded to you if you withdraw before the end of the term, and the portion, if any, of the financial aid you received that you must pay back immediately if you withdraw before the end of the term.

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You have the right to know how to re-apply for financial aid for subsequent years.

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You have the right to expect that all information reported by you and/or your family will remain confidential and will not be released without your written consent according to the Family Educational Rights and Privacy Act of 1974 (FERPA), as amended.

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By law, you have the right to examine (with a financial aid counselor) records maintained in the Financial Aid Office that relate to your financial aid file.

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You have the right to expect equitable treatment under Santa Clara University’s policy prohibiting discrimination based on race, color, sex, religion, sexual orientation, national origin, disability or veteran’s status.

Your Responsibilities 

You are responsible for reading, retaining and understanding all information supplied to you from the Financial Aid Office. If you have any questions or concerns, you are welcome to contact the office at (408) 551-1000 or by e-mail at onestop@scu.edu. 4

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You are responsible for promptly responding to inquiries or requests for information from the Financial Aid Office.

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You are responsible for obtaining all forms required to apply (or re-apply) for the type of assistance you wish to receive. Forms are not automatically mailed to you each year.

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You are responsible for supplying accurate and thorough information on all forms submitted to the Financial Aid Office. Funds obtained based on false information will have to be repaid and may subject you to penalties under the U.S. criminal code.

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You are responsible to know and comply with the deadlines for applications or reapplications for aid. Intentional misrepresentation on an application for federal financial aid is a crime.

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You are responsible to review your Student Aid Report (SAR), make any necessary corrections and comply with federal processor determination.

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You are responsible for using financial aid funds only for educational expenses (tuition, fees, room, board, books, supplies and other educational expenses).

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You are responsible for understanding and complying with the terms and conditions of the aid you receive, this includes deadlines, continued eligibility, application procedures, etc.

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You are responsible to respond promptly and provide all requested verification documentation, corrections to your financial aid application or additional information.

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If you receive any type of financial assistance from an outside agency, it is your responsibility to inform the Financial Aid Office. By law, when determining your financial aid eligibility, the Financial Aid Office is required to consider all sources of funding.

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You are responsible for notifying the Financial Aid Office if your enrollment or residency status changes. This will ensure that your financial aid award is based upon the correct enrollment and residency status.

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You are responsible for reporting a change of address, telephone number, e-mail address or name to the Office of the Registrar. This will ensure the Financial Aid Office will have the most recent and accurate information.

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You are responsible for maintaining good academic standing consistent with Santa Clara University’s satisfactory academic progress policy.

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You are responsible for understanding the return-of-aid policy, if you receive federal and/or state financial aid and withdraw from Santa Clara University.

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If you borrow a loan, it is your responsibility to complete entrance counseling before you receive your first loan disbursement and exit counseling before you leave Santa Clara University.

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If you borrow a loan, you are responsible for repaying that loan. Failure to meet this obligation will adversely affect your credit rating and make you ineligible for future educational loans.

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If you borrow a loan, you are responsible for notifying your lender or loan servicer of any changes in name or address while you are attending school and after you leave school.

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If you borrow a loan, you are responsible for requesting a deferment or forbearance, or a change in repayment plans, if you are have trouble making your monthly payments.

Information Submitted to the Santa Clara University Financial Aid Office Financial aid applications and information submitted by the students (and their parents) is held in confidential files within the Financial Aid Office. Under the provisions of the Federal Family Educational Rights and Privacy Act (FERPA) of 1974, as amended, students have a right to review the information in their files. Students may request (in writing) an appointment for that purpose. In addition, there are certain circumstances in which the Financial Aid Office may disclose information from a student’s financial aid file without obtaining prior written permission from the student. In such cases, disclosure may be made to other Santa Clara University departments and government entities. The latter includes the Comptroller General of the United States, the Secretary of the Department of Education and state and local educational authorities. Information from a student’s file may also be shared with educational institutions other than Santa Clara University at which the student seeks or intends to enroll, if prior to disclosing any information, the Financial Aid Office will notify the student. Upon request, the Financial Aid Office will provide a copy of the record(s) disclosed. Sometimes confidential information is subject to subpoena. In such cases, Santa Clara University complies in accordance with legal requirements. NOTE:

Official University Communication Policy Santa Clara University will communicate with students through a variety of formats. Information sent to students from Santa Clara University via their permanent mailing address or their Santa Clara University e-mail address are considered official communication, and should be treated as such. Students are asked to check their Santa Clara University e-mail account on a daily basis, and are responsible for reading and responding to the information they receive from Santa Clara University.

Students and their parent(s) have the Responsibility to Submit Truthful, Complete and Correct Information A student’s eligibility is calculated from the information provided. If the information provided is determined to be incorrect, incomplete or false, the financial aid award can be canceled or changed. If a student’s estimate income or other information on the FAFSA (Free Application for Federal Student Aid) and/or other financial aid form(s) that is not later substantiated by copies of an income tax transcript or other documentation (if requested), the previously offered financial aid can be canceled or changed. Cases involving fraud will be submitted to the U.S. Office of the Inspector General. Financial Aid Funds Must Be Used Solely for Expenses Related to Attend Santa Clara University The student is responsible for repayment of any amount of student aid that cannot reasonably be attributed to meeting educational expenses related to attending Santa Clara University. The amount of such repayment is determined based on criteria set forth by the U.S. Department of Education. Admission Status A student should not wait until s/he has been admitted to Santa Clara University before applying for financial aid. However, the Financial Aid Office will not begin processing an aid application until the student is admitted, or re-admitted. Financial Aid Application FAFSA (Free Application for Federal Student Aid) The FAFSA (Free Application for Federal Student Aid) is required to be considered for any federal, state or need-based institutional aid programs including the William D. Ford Graduate Federal PLUS Loan. Apply via the web at www.fafsa.ed.gov or a paper FAFSA, if you prefer. For a paper FAFSA, contact U.S. Department of Education Federal Student Aid programs at 1800-4-FED-AID. Graduate Students: The fastest way to file the federal application is using FAFSA on the Web (FOTW). Students, and their spouse (if need be), will sign electronically at the end of completing the application using their Federal Student Aid Personal Identification Number (PIN). There are two options to receive/select a PIN on the FAFSA on the Web. The first option is in real-time; however, if you choose to receive the PIN via the mail, the processed FAFSA will not be valid until the student adds their signature(s) to the FAFSA. NOTE:

REMINDER:

001326 is Santa Clara University’s school code.

The FAFSA on the Web Worksheet is available to help students prepare to complete the FAFSA. It is highly recommended that students complete this worksheet information prior to starting the FAFSA entry process; however, do not mail the worksheet to the federal processor or to Santa Clara University, as only the FAFSA on the Web information entered by the student on line and the paper FAFSA are considered official FAFSA documents. Current Graduates: Apply via the web at www.fafsa.ed.gov or a paper FAFSA, if you prefer. For a paper FAFSA, contact U.S. Department of Education Federal Student Aid programs at 1800-4-FED-AID. Students may consider using the pre-filled options, but must select the proper academic year FAFSA, if they want to have some information from their previous FAFSA entered. NOTE:

All income and asset information must be updated.

Eligibility In order to be eligible for financial aid a student must meet the following criteria:      

be a U.S. citizen or eligible non-citizen enrolled or accepted for enrollment in a degree or certificate program of study at least half-time make satisfactory academic progress not be in default on a federal student loan not owe a refund on any federal financial aid grant have a valid Social Security number register with Selective Service, if a male between the ages of 18 and 25

Standardized Budget Cost of attendance, sometimes referred to as a budget, is used in determining eligibility for student aid programs. The cost of attendance can be found on the Financial Aid website at www.scu.edu/financialaid and ecampus (www.scu.edu/ecampus). The Financial Aid Office uses several standardized student cost of attendance. The cost of attendance or budget (cost of education and related expenses) includes tuition, fees, room and board, books and supplies, personal expenses and local transportation. The standardized student budgets used in determining a student’s eligibility for aid are based on California Student Aid Commission guidelines Student Expenses and Resources Survey (SEARS) and Santa Clara University cost research. In addition, the average William D. Ford Federal Direct Loan and/or William D. Ford Federal Direct PLUS Loan fees are included for recipients of those loans. Standardized budgets represent average costs. They are intended to provide sufficient funds for most students in most circumstances. It is impossible to take into account all the situations in which students find themselves or all the consumer choices they make. Students who feel that their budget does not reflect their actual expenses should submit their budget for review.

If there are unusual educational related documented expenses allowed by regulation, the Financial Aid Office can sometimes allow a higher individualized budget. NOTE:

Determining a Student’s Need A student’s financial need is the difference between the cost of attendance and the expected family contribution. Santa Clara University determines how much a graduate student can contribute by assessing the information submitted via the FAFSA (Free Application for Federal Student Aid). The student’s financial situation and the amount student would be expected to contribute to their education are reviewed annually via the FAFSA. After the Financial Aid Office determines a student’s financial need, the office will provide a financial aid package that might include all or some of the following forms of aid: grants, scholarships, student employment and/or loans. Eligibility for need-based aid is based on each student’s unique financial circumstances. To calculate this need, the federal government has developed a uniform calculation to determine how much each student is expected to contribute towards their educational costs, referred to as the Expected Family Contribution (EFC). This number is then used to determine a student’s financial need through this formula: 

Cost of Attendance minus Expected Family Contribution equals Financial Need

The expected family contribution is not the amount of money a student’s will have to pay for college nor is it the amount of federal student aid a student will receive. It is a number used by Santa Clara University and other colleges to calculate the amount of federal and/or state aid a student is eligible to receive. Student should think of the expected family contribution as an aid eligibility index. REMINDER:

Student Aid Report (SAR) After receiving the FAFSA (Free Application for Federal Student Aid), the U.S. Department of Education compiles a Student Aid Report (SAR). The SAR gives the Financial Aid Office the information it needs to complete an award package including the Expected Family Contribution (EFC). It is a good idea to review the information on the SAR to assure that Santa Clara University is using correct information to determine eligibility. Award Letter and Notification The award displays all the types and amounts of financial aid for which the student is eligible during the academic year. Students should read their award carefully to be sure they understand all terms and conditions helping them decide if they want to accept any, or all, of the aid offered. NOTE:

Students can access their award online anytime via ecampus at www.scu.edu/ecampus.

Awards and revised awards are sent on an on-going basis throughout the year based on the date that the official FAFSA (Free Application for Federal Student Aid) or a corrected FAFSA is provided to the Financial Aid Office. Verification Verification is the process established by the U.S. Department of Education to check the accuracy of aid applications. Selected students will receive notification by the Financial Aid Office indicating that they will need to submit the following items: 

Santa Clara University Verification Worksheet (Independent), and

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student and their spouse (if need be) tax return transcripts, or student complete the IRS Data Retrieval Tool to update the FAFSA

NOTE:

Participation in the verification process is not optional.

After the review of these documents, the amount of a student’s award offer may be revised if there are discrepancies. If a student does not submit the requested documentation, they will not be eligible to receive federal, state or University need-based financial aid. Failure to meet the verification deadline may result in aid not being reinstated. In addition, any delays in sending documentation may result in a student not having their aid by the beginning of the quarter. In this case, it is the student’s obligation to pay the account balance on their student account. IMPORTANT:

Enrollment Status Changes Since offers of financial assistance are made on an individual basis, it is difficult to generalize regarding changes to those offers. However, there are some changes inherent in program regulations, which will prevail regardless of changes in cost or other aid received.  

If a student enrolls less than half-time some aid maybe reduced, canceled or prorated. If the student drops to any of below half-time status, but it is done after the end of the 60 percent date, no changes in financial aid result.

Change in Residence Status Any student, who has been awarded financial aid for on-campus status and instead resides offcampus, must contact the Financial Aid Office immediately, because a change in their financial aid package might be required. Students Must Inform the Santa Clara University of Change of Address In addition to notifying either the Santa Clara University Office of the Registrar of any address changes (student may use their ecampus account to change their address), a student must also 10

notify their lenders and, for Cal Grant recipients, the California Student Aid Commission (CSAC). Students must Re-apply for Financial Aid Each Year A description of Santa Clara University’s financial aid application process and the priority deadlines can be found on the Financial Aid website at www.scu.edu/financialaid. How Financial Aid is Distributed at Santa Clara University Students who have eligibility for assistance as determined by the process appropriate for their status are offered a combination of financial aid from various student aid sources. These sources include federal, state, University and private donors. Each source has specific policies regarding student eligibility. The packaging process is a complex system of combining these resources for each individual applicant. Students are notified of their eligibility for financial assistance by an electronic notification via ecampus at www.scu.edu/ecampus. An offer of financial assistance assumes that the federal and state appropriation will be received. If, for whatever reason, expected funds are not received by Santa Clara University, any offer of such assistance will be canceled. Offers of financial assistance often have to be made before actual federal and state appropriations are made. If appropriations are less than expected, or are not made, offers will have to be reduced or canceled. IMPORTANT:

Federal Aid Programs      

Federal Pell Grant Teacher Education Assistance for College and Higher Education Grant (TEACH) Federal Work Study (FWS) Federal Perkins Loan William D. Ford Federal Direct Loan (Unsubsidized) William D. Ford Federal Direct Graduate PLUS Loan

The above federal programs are described in the federal Funding Education Beyond High School available at the Enrollment Services Center. Eligibility for these federal programs is based on federal methodology (FM), which is applied to the information submitted on the FAFSA (Free Application for Federal Student Aid). If, at the time of packaging, a student appears to be eligible for a federal grant, it will be included as an estimated resource in the package. If the student is subsequently notified of ineligibility for the grant, every effort will be made to notify the student in an appropriate time and manner. Federal Pell Grant The Federal Pell Grant is a federally funded grant awarded by the U.S. Department of Education. 11

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Need-based 2014-15: Awarded to student with EFC less than 5,157 2014-15: Awards vary from $602 to $5,730 Lifetime Eligibility Used: equivalent of six years of Pell Grant funding FAFSA required annually Must meet satisfactory academic progress Available to students who have not earned a bachelor’s degree or professional degree In some cases, students may receive a Federal Pell Grant for attending a postbaccalaureate teacher certificate program Awarded to both full- and part- time students

Federal Pell Grant final funding is based on Congressional appropriations and is subject to change without notice. NOTE:

Teacher Education Assistance for College and Higher Education Grant (TEACH) The Teacher Education Assistance for College and Higher Education Grant (TEACH Grant) provides up to $4,000 a year in grant assistance to students who agree to serve for at least four years as full-time teachers in high-need fields in public or not-for-profit private elementary or secondary schools that serve students from low-income families. The Financial Aid Office recommends that only students who are committed to teaching a highneed subject in a designated low-income school upon graduation consider this possible source of funds. This teaching obligation must be completed in a public or nonprofit elementary or secondary school that is eligible for Title I assistance. If the four-year teaching obligation is not met within eight years of graduation, the grant will convert to an unsubsidized loan, which will have to be repaid with interest calculated back to the date the funds were disbursed.     

Non need-based, but must file a FAFSA annually Must meet satisfactory academic progress $4,000 each year, prorated for part-time students Score above the 75th percentile on a national standardized college admissions test or have a cumulative grade point average (GPA) of at least 3.25 as a high school graduate and maintain that grade point average (GPA) throughout your academic program Complete TEACH Grant counseling and sign a TEACH Grant Agreement to Serve and Promise to Pay. Grant recipients agree to teach for at least four years within eight years of finishing their teacher preparation program and to teach high-need subjects in designated schools that serve low-income students

Enrolled in a teacher education certificate program in one of the following areas:    

Bilingual Education and English Language Acquisition Foreign Language Mathematics Reading Specialist 12

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Science Special Education

If the student fails to complete the program of study or this service obligation, all amounts of TEACH Grants that the student received will be converted to an unsubsidized William D. Ford Federal Direct Loan, which must then be repaid to the U.S. Department of Education. Students will be charged interest from the date the grant(s) was disbursed. IMPORTANT:

NOTE:

TEACH Grant is based on Congressional appropriations and is subject to change without

notice. Federal Work Study (FWS) The Federal Work Study program provides students with part-time employment, the federal government pays a portion of the student’s salary along with Santa Clara University. Students can earn a nominal amount of money under this program during an academic year. Actual earnings will depend upon the total hours the student works and the hourly wage.         

Need-based FAFSA required annually Must meet satisfactory academic progress Students may work up 19 hours per week during the school session; and up to forty hours per week during vacation periods Students may not work more than 8 hours in one day; or forty hours in one week Pay rates and responsibilities are determined by the department Students are paid twice a month A student may be terminated from a job because of lack of departmental funds or due to unsatisfactory performance or attendance Students will be removed from the Federal Work Study program as soon as they have earned their allocation

Federal Perkins Loan The Federal Perkins Loan is a loan offered to priority applicants with exceptional financial need and/or students who have financial need beyond their Federal Direct Loan eligibility. In most cases, part-time employment earning potential is considered before Federal Perkins assistance is offered.       

Need-based FAFSA required annually Must meet satisfactory academic progress 5% fixed interest rate Repayment begins nine months after graduation, withdrawal or less than half-time enrollment Annual Maximum loan amount: $8,000 Aggregate loan limit: $27,500 13

William D. Ford Federal Direct Loan (Unsubsidized) The unsubsidized William D. Ford Federal Direct Loan is a loan awarded based on the FAFSA (Free Application for Federal Student Aid). The U.S. Department of Education does not pay the interest while the student is enrolled in college.         

Non need-based Must be enrolled at least half-time 2014-15: 6.21% fix-variable interest rate, capped at 9.5% 2014-15: 1.072% origination fee, 1.073% origination fee 6-month grace period FAFSA required annually Must complete Entrance Counseling & a Master Promissory Note (MPN) Must meet satisfactory academic progress Annual Maximum loan amount:  

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Certificate Student $12,500 Graduate Student $20,500

Aggregate loan amount: Graduate Student $138,500 lifetime loan limit

William D. Ford Federal Direct Graduate PLUS Loan The William D. Ford Federal Direct Graduate PLUS Loan (Federal Direct Graduate PLUS Loan) allows students who are credit-worthy to borrow up to the cost of education minus any other financial aid. Students enrolled less than half time are not eligible to receive the Federal Direct Graduate PLUS Loan. This unsubsidized federal loan repayment begins within 60 days of the final disbursement.      

Non need-based, but must file a FAFSA annually Student must meet satisfactory academic progress 2014-15: 7.21% fixed-variable interest rate, capped at 10.5% 2014-15: 4.228% origination fee, 4.292% origination fee Repayment begins within 60 days of the final disbursement Maximum loan amount: cost of attendance minus other financial aid

California State Aid Programs    

Cal Grant A Cal Grant B Assumption Program of Loans for Education (APLE) National Guard Assumption Program of Loans for Education (NGAPLE)

The above State of California programs are described in Fund Your Future Workbook: California Edition published by the California Student Aid Commission (CSAC) and available at the Enrollment Services Center. Eligibility for these state aid programs may be based on one or

more of the following methodologies: federal methodology (FM) and/ or state methodology (SM). Cal Grant A Cal Grant A is a state-funded program for California residents. Recipients are chosen on the basis of both academic achievement and financial need. If selected for an award, students will receive notification from the California Student Aid Commission (CSAC).        

Need-based 2014-15: $9,084 (new to program & 2013-14 renewals); $9,223 (2012-13 renewals) FAFSA required annually Have family income and assets below the established ceilings 3.0 high school grade point average (GPA) or 2.4 college grade point average (GPA) Available to undergraduate students who have not earned a bachelor’s degree Must meet satisfactory academic progress Student must be enrolled at least half-time

Cal Grant B Cal Grant B is a state-funded program for California residents. Recipients are chosen on the basis of both academic achievement and financial need. If selected for an award, students will receive notification from the California Student Aid Commission (CSAC).        

Need-based 2014-15: $1,648 first year, $9,084 plus $1,648 subsequent years (new to program & 2013-14 renewals); $9,223 plus $1,648 (2012-13 renewals) FAFSA required annually Have family income and assets below the established ceilings 2.0 high school grade point average (GPA) Available to undergraduate students who have not earned a bachelor’s degree Must meet satisfactory academic progress Student must be enrolled half-time

The California Student Aid Commission sponsors an Assumption Program of Loans for Education (APLE) and the National Guard Assumption Program of Loans for Education (NGAPLE). Contact the Santa Clara University Financial Aid Office for information and forms, or write to the California Student Aid Commission, PO Box 419026, Sacramento, CA 95741. California Student Aid Commission may also be reached by phone at 1-888-CA-GRANT. Assumption Program of Loans for Education (APLE) The Assumption Program for Loans for Education (APLE) is a competitive teacher incentive program designed to encourage outstanding students, district interns and credentialed teachers to 15

become California teachers in subject areas where a critical teacher shortage has been identified or in designated schools meeting specific criteria established by the Superintendent of Public Instruction. National Guard Assumption Program of Loans for Education (NGAPLE) National Guard Assumption Program of Loans for Education (NGAPLE) program is intended to provide an incentive for persons to enlist or re-enlist in the National Guard, the State Military Reserve or the Naval Militia.       

An active member who has served two (2) years in the California National Guard, the State Military Reserve or the Naval Militia Remain an active member throughout the participation period in the program Use the award to obtain a certificate, degree or diploma that you currently do not possess Enrolled in, registered at or accepted to a qualifying institution Maintain enrollment of a minimum of three (3) academic units per semester, or the equivalent, at a qualifying institution as defined by California Education Code section 69432(l) Maintain at least a 2.0 cumulative grade point average (GPA) A resident of California for at least one year

Financial Information by Graduate School The Financial Aid Office does not select award recipients for department aid. Please contact the appropriate graduate school for information about these types of awards and the application process. IMPORTANT:

Leavey Graduate School of Business Campus Location: Lucas Hall Telephone: (408) 554-4539 Website: www.scu.edu/business/mba/financialaid.cfm Graduate School of Engineering Campus Location: EC 101, Bannan Engineering Telephone: (408) 554-4313 Graduate School of Education and Counseling Psychology Campus Location: Loyola Hall Telephone: (408) 551-3413 Website: www.scu.edu/ecp/admissions/financialaid/ Graduate Program in Pastoral Ministries Campus Location: Kenna Hall, Room 110 Telephone: (408) 554-4831 Website: www.scu.edu/cas/pastoralministries/admissions/financial.cfm

Leavey School of Business Merit-Based Scholarship Based on professional accomplishments and outstanding scholarship as demonstrated in collegiate transcripts, GMAT score and recent coursework; students who have served their communities through outreach/volunteer work are also eligible. All students enrolled in a minimum of six (6) units per term (Fall, Winter, Spring); must maintain cumulative GPA of 3.0 to continue the scholarship. Need-Based Scholarship Based on current financial need as demonstrated through personal hardship or other financial obligations; students not working or not receiving company assistance will be considered for need-based aid. All students enrolled in a minimum of six (6) units per term (Fall, Winter, Spring); must maintain cumulative GPA of 3.0 to continue the scholarship. Students are eligible to receive only one Leavey School of Business Scholarship. Students who are receiving the Food & Agriculture Scholarship are not eligible to receive a second Leavey School of Business Scholarship. NOTE:

School of Engineering California State Graduate Fellowships State graduate fellowships are awarded to California residents pursuing a recognized graduate or professional degree who intend to pursue teaching as a career and who have not completed more than four quarters of full-time graduate work as of October 1. Selection is based on state labor needs, academic performance and financial need. Applicants should apply using the FAFSA (Free Application for Federal Student Aid). Teaching and Research Assistantships The School of Engineering offers a limited number of teaching and research assistantships providing up to eight units of tuition and, in some cases, a modest stipend. For further information, students are encouraged to contact the associate dean for graduate studies, their faculty advisor or their academic department. School of Education and Counseling Psychology SEMILLA Teacher Fellowship The SEMILLA Teacher Fellowship provides assistance to students pursuing Master of Arts in Teaching with Teaching Credential (MATTC) program who:

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Agree to successfully complete a minimum of 9 units at the East San Jose campus (courses to be determined) Agree to provide community service at the East San Jose campus during the time of enrollment in MATTC Agree to successfully complete the MATTC program and be awarded a teaching credential from the State of California Agree to teach for two years post-degree/preliminary credential in a high-need school that is predominantly comprised of an underserved Latina/o student population within four years of completing the MATTC program

Upon selection as a SEMILLA fellow, student will receive a tuition scholarship, which will pay for 50% of the tuition related to obtaining a Master of Arts in Teaching with Teaching Credential from the Santa Clara University. IMPORTANT:

Student is responsible for payment of the balance of tuition and fees.

This fellowship is only for students who are accepted for admission, or enrolled in Master of Arts in Teaching with Teaching Credential (MATTC) program. NOTE:

National Hispanic University teaching credential transfer students are not eligible for this scholarship. NOTE:

Kenneth Blaker Endowed Scholarship Fund This scholarship was established on June 12, 2007 as a gift from the SCU alumni, students, staff, faculty and friends. The fund provides financial assistance to Counseling Psychology students in financial need. Edwin Brown Scholarship for Credential Students This scholarship is for a full-time male student is obtaining his multiple or single subject teaching credential. Anita Goble Endowed Education Scholarship for Student Researchers This scholarship was established on November 6, 2007 by Anita Goble and Dr. Cheryl McElvain, a lecturer for the Department of Education. This fund provides scholarships for Master Degree students pursuing research with any full-time faculty member. Edward Fellows Scholarship This scholarship was established in 1981 by the Estate of Triscilla Fellows Foundation to provide financial assistance to deserving Education and Counseling Psychology students.

Jim & Pauline Mahon Scholarship for Education Administration Students This scholarship was established in 1988 by Lee Mahon, Ed.D, to provide financial assistance for a graduate student who has been accepted into the Educational Administration program. The applicant must demonstrate a futuristic vision for education and strong commitment to the field of administration, as well as a genuine caring for children and a strong sense of the value of education. Gerald E. McDonald Endowed Scholarship This scholarship was established in 1981 for graduate Education students. Molina Healthcare Scholarship for Latino Counseling This scholarship was established on May 23, 2006 by the Molina Healthcare and alumni to provide financial assistance to matriculated graduate students in Counseling Psychology. Nancy Ottoboni Endowed and Expendable Scholarship for Catholic Education The purpose of the scholarship is to support the educational development of teachers in Catholic schools who are enrolled in the Department of Education. Strong preference will be given to qualified students with financial need enrolled in high school within the geographic boundaries of the Diocese of San Jose and who are pursuing a Master's degree and/or credential. James W. Trent Education Scholarship Fund This scholarship was established on September 24, 2007 by Gretchen Trent in loving memory of her husband, James W. Trent (Class of 1955). The purpose of this scholarship is to provide financial assistance to students who exhibit an exceptionally high commitment to education, broadly embracing and serving their communities. Preference will be given to underrepresented minority graduate students or to graduate students who were first generation college students. Tuition Scholarships for the San Jose Diocese & Sacred Heart Nativity Employees A tuition scholarship is available for teachers, counselors, and administrators employed by the Diocese of San Jose who are taking graduate courses in the school. Graduate Program in Pastoral Ministries Ministry Scholarship This scholarship is for those individuals active in some type of ministry (e.g., Eucharistic Ministry, Youth Ministry, Catechetical Ministry, etc.) and awards a 25% tuition scholarship. To apply, complete the online Ministry Scholarship Application and Ministry Certification form. This is an annual scholarship and students must apply each academic year.

Graduate Program in Pastoral Ministries Scholarship Graduate Program in Pastoral Ministries Scholarships are awarded by the Graduate Program in Pastoral Ministries Office to currently enrolled and newly accepted students according to need. Scholarship amounts typically range from 25% to 50% of annual tuition costs, and are based on need. The FAFSA is not required to be considered for a GPPM scholarship. Private Aid Programs   

Private Scholarships Private Alternative Loans Private Scholarships

Numerous scholarships are available from foundations, corporations, trust funds and private philanthropies. Listings can be found in most public and college libraries. Other searches such as free interactive scholarship search pages can be found on the internet. It is recommended that all students seek out these resources to help cover expenses. If a student receives notification that they will be receiving a scholarship or other aid outside of that awarded by Santa Clara University, they are required to notify the Financial Aid Office. NOTE:

The treatment of private scholarships awarded may require the Financial Aid Office to coordinate the scholarship(s) within federal, state and University regulations. Private Alternative Loans Private Alternative Loans are available to students to help pay for their education. Private Alternative Loans may have higher interest rates than federal loans, and the student must have some type of creditworthiness. The amount borrowed may not exceed the total cost of education minus any other financial aid. NOTE:

Students should always accept the low interest loans offered in their financial aid packages and consult their financial aid advisor before considering the private loan programs. Educational Tax Benefits Higher Education tax credit and/or tax deductions are designed to help students finance their education. IRS Publication 970: Tax Benefits for Education provide detailed information about federal programs designed to support higher education.

Student Loan Interest Deduction The Student Loan Interest Deduction allows you to deduct interest paid on student loans for yourself, your spouse or your dependents. It can reduce your taxable income as much as $2,500. The amount of the Student Loan Interest Deduction you are eligible for depends on the amount of interest paid and your income. Tuition and Fees Tax Deduction The Tuition and Fees Tax Deduction can reduce your taxable income by as much as $4,000 and may benefit you if you are not eligible for any of the tax credits. Santa Clara University provides this information as informational purposes; it is not intended to be tax or legal advice, we suggest you consult a qualified tax advisor. NOTE:

1098-T Tax Credit Form Santa Clara University is required to provide students with a statement of all Santa Clara University charges and credits made during the calendar year. The 1098-T is used by eligible educational institutions to provide this information as well as report the demographic/financial information on students to the IRS as required by the Taxpayer Relief Act of 1997. The 1098-T is used by the taxpayer in the computation of any eligible tax credit and must be provided to their tax preparer when preparing their income tax returns. About Santa Clara University Scholarships and Fellowships, the treatment of scholarships and fellowships under the IRS publication 970: Tax Benefits for Education and Tax Topic 421 of the Internal Revenue Code provide that a student may exclude from their gross income only scholarship and fellowships amounts used for: IMPORTANT:

 

Tuition and fees required for enrollment or attendance at an educational organization Books, supplies and equipment required for courses of instruction

Amount used for other expenses, such as room and board, are includable as income. Notwithstanding the above, any amounts received that represent payment for teaching, research or other services required as a condition for receiving the scholarship or fellowship grant are also includable as income. Teaching Credential Students who have received a bachelor’s degree and who have been accepted into a Single or Multiple Subject Credential or Education Specialist Credential program are considered (for federal financial aid purposes) to be fifth-year undergraduates by federal regulation. Students are eligible for consideration of funding from some federal undergraduate sources of aid (including the Federal Pell Grant), as well as additional Cal Grant, (an additional form must be submitted for 5th-year Cal Grant recipients). In addition, students are eligible to apply for a Federal Direct

Loan. Since the students are not considered to be in a graduate program, their dependency status may still be dependent unless they qualify under other criteria. Santa Clara University undergraduate institutional funds cannot be used for Single or Multiple Subject Credential or Education Specialist Credential program. REMINDER:

Students who are enrolled in a Master’s Program while completing credential classes are considered (for financial aid purposes) graduate students by federal, state and University guidelines. Teaching Credential students who have received their bachelor’s degree are considered graduates for billing and institutional funding purposes; and may receive Santa Clara University Graduate funding. Students may also apply for 5th year Cal Grant A using the California Student Aid Commission’s form G-44. They must do so within 15 months of 1) exhausting Cal Grant A or Cal Grant B eligibility, or 2) of receiving a BA/BS degree. Summer Term Financial aid for the summer term is generally limited to Federal Pell Grant, Cal Grant, some University/Departmental aid, Federal Direct Loans, Federal Direct PLUS Loan and private loans. For most aid programs, students must be enrolled for at least half time. The summer term has specific deadlines for submission and other important information. Therefore, it is advisable to contact the Financial Aid Office. Summer Term Application and Process  

Completed the appropriate FAFSA (Free Application for Federal Student Aid) Register for all summer courses. Summer aid will not be offered until a student is registered for the number of credits necessary to meet the basic eligibility requirements

Cost of attendance for the summer term will be based on the number of units for which a student intends to enroll, associated fees and book allowance and living expenses based on the anticipated length of the student’s summer program. NOTE:

Consortium/Contractual Agreements Consortium Agreement may be established between two Title IV eligible institutions, whereas a Contractual Agreement may be established between two institutions of which only one is eligible for Title IV funds. Whether the student enters into a Consortium or Contractual Agreement can only be determined after the host school has completed it part of any required forms or agreements.

If the host school will not process the student’s financial aid application and the courses in the program have not been deemed necessary by the student’s Santa Clara University academic advisor, the student may describe the importance of participating in the program in a letter of appeal to the Financial Aid Office. The appeal will be reviewed and a decision as to whether any federal assistance may be possible through Santa Clara University will be rendered. NOTE:

Not all colleges and universities participate in Consortium/Contractual agreements.

Financial Responsibilities Financial Terms and Conditions All students are required to accept the financial terms and conditions outlined by the University in order to continue their enrollment at Santa Clara University. Students will be prompted to accept the terms and conditions, on an annual basis, upon their login to ecampus. Students will not have access to their Student Center until they have read and agreed to the information contained on the page(s) prompted. Students are agreeing to pay for services rendered by the University and to abide by all policies and procedures as published. Terms and Conditions Students assume responsibility for all costs incurred because of enrolling at Santa Clara University. It is the student’s responsibility to be aware of his/her account balance and financial aid information, and to maintain current valid address information at all times to ensure receipt of all University correspondence in a timely manner. The tuition status of a graduate student is determined by the date the course is dropped or the date in which the student withdraws from the University. NOTE:

Students who drop courses or withdraw from the University are eligible for a refund of charges according to the University’s refund policies. The effective date used to determine any refund of tuition is the date on which notification of withdrawal is received by the Office of the Registrar, no the last day of attendance by the student. Neither dropping all courses via ecampus nor informing an individual faculty member, an academic department or the Dean’s Office constitutes an official withdrawal from the University. The official date of withdrawal from the University cannot be backdated prior to the date on which the student submits the applicable withdrawal from or notification of the Office of the Registrar. Student Accounts and Billing Students assume responsibility for all costs incurred as a result of enrolling at Santa Clara University and agree to abide by applicable University policies and procedures. Students may designate a third party (e.g., spouse, parent) to be an authorized payer for their student account. That individual is authorized by the student to have access to his/her billing statements and to make payments on the student’s behalf. However, it is still the student’s responsibility to make sure all financial obligations are completed by the published deadlines. Once authorization is 23

arranged, the authorized payer will be notified via the e-mail address provided by the student. Authorized payers do not have access to any other student account information via this website. Students receive monthly bills electronically via a third-party vendor that are accessible through ecampus. A billing notification will be sent to the student’s University e-mail address and to the e-mail address of any payer authorized by the student. Students also may forward their student account statements electronically to any third party they authorize for remittance. Information on a student’s account cannot be provided to third party payer unless a completed Family Educational Rights and Privacy Act form authorizing its release by the student is on file with the University. Students are obligated to pay the applicable tuition and fees associated with their enrollment status by the published payment deadline. Students enrolling after the initial billing of any quarter may be required to pre-pay for tuition before enrollment is granted. Registered students who do not withdraw formally from the University are responsible for all tuition and fees assessed to their accounts as well as any penalty charges incurred for nonpayment. Nonattendance does not relieve the student of his or her obligation to pay tuition and fees. Billing Dates and Deadlines Fall 2014

Billing available September 1

Payment due September 21

Winter 2015

Billing available December 1

Payment due December 21

Spring 2015

Billing available March 1

Payment due March 21

Summer 2015

Billing available May 1

Payment due May 21

Payment Methods Santa Clara University offers the following payment methods to students to assist with their financial obligations: Payment by Electronic Check A student or authorized payer may make online payments by authorizing a fund transfer directly from his/her personal checking or savings account through a third-party website accessible via the ecampus. The payer is able to make electronic check payments online without incurring a transaction fee. Payment by Mail Payment by personal or cashier’s check for student account can be mailed to: Santa Clara University, Bursar’s Office, 500 El Camino Real, Santa Clara, CA 95053-0615. The payer should include a copy of the student’s billing statement for reference and accurate posting.

Payment In-Person Payments for student account charges may be made in person by personal/cashier’s check, money order or cash at the Enrollment Services Center in the Admissions & Enrollment Services Building. The University is not able to accept any electronic form of payment, including debit or credit cards. However, there are computer kiosks located in the Enrollment Services Center for the convenience of students and payers to make electronic payments. Payment Plans Students have the option to enroll in a monthly payment plan, through a third-party vendor, for tuition and housing costs to assist with budgeting needs. There is a modest fixed fee to enroll in these plans, but no interest or fees are charged while your plan is active and current. This option is not a deferral for students with financial aid. All aid will be applied to the student’s account and any remaining balance can be placed on a payment plan. NOTE:

Delinquent Payments If all charges on a student’s account have not been cleared by a payment, financial aid or loan disbursement, a late payment fee will be assessed to the student’s account and a hold will be placed on the student’s record. A hold on a student’s record prevents the release of transcripts or diplomas and access to any registration services, and may limit access to other University services. Students who have unpaid accounts at the University or who defer payment without approval are subject to dismissal from the University. All unpaid balances will accrue 10 percent interest per annum on the balance remaining from the date of default, in accordance with California state law. Delinquent student accounts may be reported to one or more of the major credit bureaus and may be forwarded to an outside collection agency or an attorney for assistance in recovering the debt owed to the University. The student is responsible for all costs incurred to collect outstanding debt, including but not limited to accrued interest, late fees, court costs, collection fees and attorney fees. All outstanding bills and costs of collection incurred by the University must be paid in full prior to a student re-enrolling at the University. Refunds for Credit Balances Refunds will be granted only for student accounts reflecting a credit balance. A refund will not be granted based on anticipated aid. All financial aid must be disbursed into a student’s account before a refund is processed. It is the student’s responsibility to make sure all necessary documentation is complete and submitted to the Financial Aid Office so that aid can be disbursed properly and in a timely fashion. Payment received by personal check will have a 21-day hold before a refund can be issued; a five-day hold will be imposed for electronic check payments. The refund process begins after the late registration period via direct deposit or check. Visit the Bursar’s website for details on each process. 25

Graduate Student Refund Policy Fall/Winter and Spring Courses The date on which a student formally withdraws or drops a class will be the effective date on which any refund of tuition will be determined, not the last date of attendance by the student. Students that fail to drop a course, even if they do not attend, or fail to notify the University of his/her intent to withdrawal, regardless of the reason, will be responsible to pay all tuition and fee charges reflecting on the account once the withdrawal/drop is processed. Informing your Dean, academic department or your instructor does not constitute withdrawal. To protect yourself and your family against financial loss due to an unexpected medical condition, please refer to the Dewar's website (www.collegerefund.com) for information on the tuition insurance plan offered by Santa Clara University. Refund of tuition will be calculated according to the following schedule:    

100% if course dropped by 5:00 p.m. on the Friday of the first week of classes 50% if course dropped by 5:00 p.m. on the Friday of the second week of classes 25% if course dropped by 5:00 p.m. on the Friday of the third week of classes No further refunds after the third week

Students without registration holds may have until 11:59 p.m. on Sunday, if dropping courses via ecampus. IMPORTANT:

NOTE:

The University cannot be held accountable for website outages.

Any association/course fees will not be refunded after the first week of school. The registration fee is non-refundable once initial registration is made. Saturday/Sunday Courses Refund of tuition will be calculated according to the following schedule: 

100% if dropped by 5:00 p.m. Tuesday after first scheduled class meeting. Contact your school to drop Saturday/Sunday courses.

One-Unit courses Refund of tuition will be calculated according to the following schedule: 

100% if dropped two business days prior to first class meeting

All Courses If you withdrawal or drop below half-time status you may no longer be eligible to receive financial aid. Your account will be adjusted accordingly and the aid returned to the appropriate 26

program. If you have received a refund for these funds, you must reimburse Santa Clara University immediately. No refunds will be made because of curtailment of services brought about as a result of strikes, acts of God, civil insurrection, riots or threats thereof, or other causes beyond the control of the University. Financial Aid is Made Available to Eligible Students Generally, financial aid is offered for three quarters and is made available each quarter to eligible students via ecampus. Financial aid recipients must register for the number of units and be residing in the indicated residence category to receive the aid they have accepted. Financial Aid Office is responsible for the disbursement and delivery of financial aid. After accepting the award via ecampus, scholarships and grants are credited to the student’s account each quarter. Federal Perkins and Federal Direct Loans are credited to a student’s account at the start of each quarter, after the student completes all the necessary documents (e.g., Entrance Counseling and Master Promissory Notes). Students, who are notified of a Federal Graduate PLUS Loans and wish to borrow through this federal loan program, can complete the loan application process at www.studentloans.gov. The Financial Aid Office usually does not start processing loan applications for the following academic year until after July 1. Electronic Fund Transfer (EFT) Santa Clara University has an agreement with several lenders to participate in a process called Electronic Fund Transfer (EFT). Through this process, Private Alternative Loans are electronically transmitted to Santa Clara University and automatically deposited into a student’s university account at Bursar’s Office. Some lenders do not participate in the EFT process; these lenders will send hard check to the Financial Aid Office, some of which may need endorsement. All loan proceeds (whether by EFT or a loan check) will be received by Santa Clara University in three separate disbursements. NOTE:

If the student does not endorse the loan check or complete all required items within thirty days after the funds are received by Santa Clara University, federal regulations require that the funds be returned to the lender. If the funds are returned, the student must then contact the Financial Aid Office to request that the funds be reissued. Refund Checks Refund Checks will be issued for any funds applied to the account in excess of tuition, fees, room and board.

Santa Clara University Scholarships, Grants and the Cal Grant are generally not refundable to the student and must be used for direct university expenses (e.g., tuition, fees, oncampus room and board). NOTE:

Billing Disputes If a student believes there is an error on his or her billing statement, a written explanation should be forwarded to Santa Clara University, Bursar’s Office, 500 El Camino Real, Santa Clara, CA 95053-0615. The Bursar’s Office must receive written correspondence within 60 days from the billing statement date on which the error appeared. Communication can be made by telephone, but doing so will not preserve the student’s rights. Communication should include the student’s name, SCU identification number, the amount in question, and a brief explanation. Payment for the amount in question is not required while the investigation is in progress. An adjustment will be made on the student’s account for any incorrect charges. If the amount in question is found to be valid, payment must be submitted to the Enrollment Services Center immediately upon notification. Financial Hardship Students who withdraw from the University or drop courses due to an illness, injury or psychological/emotional condition are eligible for a tuition refund in accordance with the schedule above. Tuition insurance may be purchased to cover tuition charges for medically related withdrawals that occur after the first week of the term. Santa Clara degree students who withdraw from the University or who are administratively withdrawn from the University after the third week of the term due to a qualifying financial hardship may be eligible for an allocation from the student hardship fund for 25 percent of the tuition charges for that term. Qualifying financial hardships include: (1) death, disabling injury, medical emergency, (2) loss of job by an independent student, (3) medical or other emergency involving a dependent of an independent student, and (4) student deployment for active military duty. The Vice Provost for Student Life or designee, in consultation with the Financial Aid Office, will determine qualifying financial hardships and any allocation from the student hardship fund. Students must submit a request for an allocation from the student hardship fund by the end of the applicable term. IMPORTANT:

No tuition refunds are made because of curtailed services resulting from strikes, acts of God, civil insurrection, riots or threats thereof, or other causes beyond the control of the University. Tuition Insurance Protection Students may protect themselves from loss of funds paid toward tuition/fees, by purchasing tuition insurance provided by A.W.G. Dewar Inc. This low cost plan is designed to assist those that have an unexpected withdrawal from the University due to medical reasons. Plan enrollment is available annually or by quarter. Enrollment must be complete before the first day 28

of school to be eligible for insurance benefits for more information visit www.collegerefund.com. Students Must Inform the Financial Aid Office their Withdrawal Students who wish to withdraw from Santa Clara University during a quarter or at the conclusion of any quarter must complete a withdrawal form and an exit interview. If the formal requirements for withdrawal are met, the studentâ&#x20AC;&#x2122;s registration will be canceled without further academic penalty. Students who leave Santa Clara University during a quarter without withdrawing in accordance with the required procedures will receive an appropriate grade in all courses in which they were registered and are not eligible for a refund of tuition or other fees. Students who withdraw from Santa Clara University are responsible for any outstanding financial obligations with Santa Clara University. Students who used deferred payment plans or student loans during their attendance at the Santa Clara University must clear their financial obligations with the Bursarâ&#x20AC;&#x2122;s Office. Students who have unpaid bills or other unsettled financial obligations with Santa Clara University will not receive academic transcripts or be eligible for re-enrollment until they have cleared all such obligations. In addition to notifying the Office of the Registrar if s/he leaves Santa Clara University for any reason, a student must also notify their lenders and, Cal Grant recipients must apply for and receive a Leave of Absence or Deferment of Enrollment from the California Student Aid Commission (CSAC). If you withdraw or drop below half-time status, you may no longer be eligible to receive financial aid or student loans. Your account will be adjusted accordingly and the aid returned to the appropriate program. If you have received a refund for these funds, you must reimburse Santa Clara University immediately. For more information on financial aid forfeiture, please visit the Financial Aid website or make an appointment with your financial aid counselor. NOTE:

Return of Federal Title IV Funds In addition to the institutional refund policy, all students who withdraw completely from the University and who have federal financial aid, including federal student loans, are subject to the return of Title IV funds policy. Under this policy, it is assumed that a student earns his or her aid based on the period of time he or she remains enrolled. Unearned Title IV funds, other than federal work-study, must be returned to the federal aid programs. Unearned aid is the amount of disbursed Title IV aid that exceeds the amount of earned Title IV aid. During the first 60 percent of the enrollment period, a student earns Title IV funds in direct proportion to the length of time he or she remains enrolled. That is, the percentage of time during the period that the student remained enrolled is the percentage of disbursable aid for that period that the student earned. Institutional costs play no role in determining the amount of Title IV funds to which a withdrawn student is entitled.

A student who withdraws after the 60 percent point of the enrollment term earns all Title IV aid disbursed for the period. All funds must be returned to federal programs before being returned to state or institutional aid programs and/or the student. This return of funds allocation will be made in the following specific order and will be applied to all students who have received federal Title IV assistance:       

Unsubsidized Federal Direct Loans (other than Direct Graduate PLUS Loans) Subsidized Federal Direct Loans Federal Perkins Loans Federal Direct Graduate PLUS Loans Federal Pell Grants for which a Return is required Federal TEACH Grants for which a Return is required Other Federal, State, private or institutional assistance programs

Important Websites Free Application for Federal Student Aid (FAFSA) www.fafsa.ed.gov California Student Aid Commission (CSAC) www.csac.ca.gov Federal Student Aid programs www.studentaid.ed.gov Federal Loan Ombudsman www.ombudsman.ed.gov Request a PIN for FAFSA www.pin.ed.gov Student Loan (Direct and Direct PLUS Loan) http://studentloans.gov U.S. Department of Education www.ed.gov

ABOUT SANTA CLARA UNIVERSITY Santa Clara University is a comprehensive Jesuit, Catholic university located 40 miles south of San Francisco in California’s Silicon Valley. Santa Clara offers its more than 8,800 students rigorous undergraduate programs in the arts and sciences, business, and engineering, plus master’s degrees in a number of professional fields, law degrees, and engineering and theology doctorates. Distinguished by one of the highest graduation rates among all U.S. master’s universities, Santa Clara educates citizens and leaders to build a more just, humane, and sustainable world. Founded in 1851, Santa Clara is California’s oldest operating institution of higher education. For more information, visit www.scu.edu.

www.scu.edu/financialaid

Scan QR code with your mobile device and learn more about financial aid. SCU FAO 07/2013 1,000

Financial Aid Office Schott Admission and Enrollment Services Building Santa Clara University 500 El Camino Real Santa Clara, CA 95053 USA 408-551-1000 OneStop@scu.edu