The University of Redlands offers various forms of financial aid to help students afford a Redlands education. This disclosure provides information on all available federal, state, local, private, and institutional financial need-based and non-need-based assistance programs.

The financial aid programs available to students vary by degree, school, and enrollment status. Please select one of the following to review the available sources of financial aid:

• Undergraduate
• Bachelor's Degree for Professionals
• Graduate and Continuing Education

There are a variety of loan programs available to you and your family to help support the cost of education. Loans are a form of financial aid that must be repaid, typically with interest.

Your eligibility for the following federal loan programs will be determined once you have filed your FAFSA:

• Federal Direct Loans
• Federal Direct Parent PLUS Loan
• Federal Direct Graduate PLUS Loan
• Redlands Loan (College of Arts and Sciences students only)

Private educational loans may be available if you need additional loan assistance to help meet educational costs not covered by other financial aid.

If you choose to accept any loans offered to you by the University, you must complete additional requirements for the loan to disburse. Entrance Counseling is designed to help you better understand the terms and conditions of the loan you are borrowing, as well as your rights and responsibilities before you borrow. The links below provide information on the specific entrance counseling requirements for the different types of loans offered at University of Redlands:

• Federal Direct Loan
• Redlands Loan

If you received any loans during your attendance at the University, you will abe required to complete loan exit counseling upon graduating or upon leaving the University of Redlands. This process is crucial and will provide you with important information in regards to repaying your loan. The links below provide additional information on the specific exit counseling requirements for the different types of loans offered at University of Redlands:

• Federal Direct Loan
• Redlands Loan
• Perkins Loan

The Higher Education Opportunity Act conditions the eligibility of educational institutions to participate in Title IV programs on the development of and compliance with a code of conduct prohibiting conflicts of interest for its financial aid personnel [HEOA § 487(a)(25)]. University of Redlands' officers, employees and agents are required to comply with this code of conduct. The following specific provisions bring University of Redlands into compliance with the federal law [HEOA § 487(e)].

• Neither University of Redlands as an institution nor any individual officer, employee or agent shall enter into any revenue-sharing arrangements with any lender.
• No officer or employee of University of Redlands who is employed in Student Financial services or who otherwise has responsibilities with respect to education loans, or agent who has responsibilities with respect to education loans, or any of their family members, shall solicit or accept any gift from a lender, guarantor, or servicer of education loans. For purposes of this prohibition, the term "gift" means any gratuity, favor, discount, entertainment, hospitality, loan, or other item having a monetary value of more than a de minimis amount.
• An officer or employee of University of Redlands who is employed in Student Financial Services or who otherwise has responsibilities with respect to education loans, or an agent who has responsibilities with respect to education loans, shall not accept from any lender or affiliate of any lender any fee, payment, or other financial benefit (including the opportunity to purchase stock) as compensation for any type of consulting arrangement or other contract to provide services to a lender or on behalf of a lender relating to education loans.
• University of Redlands shall not: a) for any first-time borrower, assign, through award packaging or other methods, the borrower's loan to a particular lender; or b) refuse to certify, or delay certification of, any loan based on the borrower's selection of a particular lender or guaranty agency.
• University of Redlands shall not request or accept from any lender any offer of funds to be used for private education loans, including funds for an opportunity pool loan, to students in exchange for the institution providing concessions or promises regarding providing the lender with: a) a specified number of loans made, insured, or guaranteed under Title IV; b) a specified loan volume of such loans; or c) a preferred lender arrangement for such loans.
• University of Redlands shall not request or accept from any lender any assistance with Student Financial Services staffing.
• Any employee who is employed in Student Financial Services or who otherwise has responsibilities with respect to education loans or other student financial aid, and who serves on an advisory board, commission, or group established by a lender, guarantor, or group of lenders or guarantors, shall be prohibited from receiving anything of value from the lender, guarantor, or group of lenders or guarantors, except that the employee may be reimbursed for reasonable expenses incurred in serving on such advisory board, commission, or group.

A student who needs or desires to take a Withdrawal (WDL) or take a Leave of Absence (LOA) from the University of Redlands must follow a specific process to be eligible for a tuition refund. The required process varies based on the School or College the student is enrolled in. Information regarding the official withdrawal process can be found in the following locations in the catalog:

• College of Arts and Sciences
• School of Business
• School of Education
• Graduate School of Theology

Students who take a WDL or LOA from the University during an academic term may receive prorated aid and tuition based on their federally required withdrawal calculation. Information regarding the return of refunds as the result of a WDL or LOA can be found in the following locations in the catalog:

• College of Arts and Sciences
• School of Business
• School of Education
• Graduate School of Theology

The work-study program offers part-time job opportunities both on and off campus to eligible financial aid recipients who need assistance to meet college expenses. Information regarding the general terms and conditions of employment through the work study program can be found in the Student Employment Handbook. 

The University of Redlands provides a College Financing Plan to all students. The College Financing Plan is a standard template developed by the Department of Education to help students understand their educational costs and the aid available to meet those costs.

Your College Financing Plan can be found in your Self-Service Portal under the Financial Aid menu. Please note, statistics reported in the College Financing Plan are representative of our traditional undergraduate student body. 

The University of Redlands disburses federal, state, and institutional funds by crediting the funds to the student account. Financial aid is initially disbursed in the first week of the semester for all eligible student populations. Financial aid is then disbursed weekly throughout the semester or award year as students become eligible.

Email and the Self-Service portal are the primary way the University communicates important information to students. This includes managing your financial aid, reviewing billing activity on your student account, and accessing student financial information such as your 1098-T statement. Some of these electronic transactions and agreements may involve financial obligations. You must provide your electronic consent to allow the University to communicate with you electronically.

If you withdraw consent, you will not have access to Self-Service Student Finance or Self-Service Financial Aid and all correspondence with Student Financial Services must be conducted via phone or in writing. All statements and notices from Student Financial Services will be mailed to the address on file.

If you choose to opt out of electronic communication and transactions, you will not have access to Self-Service Financial Aid and Self-Service Student Finance, and all correspondence with Student Financial Services must be conducted via phone or in writing. All statements and notices from Student Financial Services will be mailed to the address on file. Note that manual, non-electronic alternatives will result in longer and delayed processing times and not all services may be available through non-electronic means.

You provided your consent during the submission of your application for admission or via Self-Service. When you agreed to conduct business electronically with University of Redlands, you acknowledged that you read and consented to the following:

• You are consenting to electronic transactions or agreements with the University that may occur at any time during your academic career, including actions related to admissions, financial aid and student accounts.
• You may request paper copies of any documents related to the awarding and disbursement of your financial aid anytime free of charge by contacting sfs@redlands.edu.
• You may withdraw your consent to electronically conduct business with Student Financial Services at any time by contacting sfs@redlands.edu.
• If you withdraw consent, any transactions or agreements between you and University of Redlands during the period after your consent to do business electronically, and before your withdrawal of consent, will be valid and binding on all parties.

To obtain more information about conducting business with individual campus offices offline, contact the Student Financial Services at sfs@redlands.edu. Note that manual, non-electronic alternatives will result in longer and delayed processing times.

Students and parents can use the U.S. Department of Education's (ED's) Federal Student Aid Feedback System to:

• Submit complaints about applying for and receiving federal Title IV loans, grants, and work-study;
• Submit complaints about federal loan servicing and the collection of defaulted federal loans;
• Submit complaints about a school's administration of federal student aid programs, including misrepresentation of facts about the school or the school’s recruitment and marketing practices;
• Report suspicious activities and potential violations of the law related to the Title IV federal student aid programs;
• Suggest website improvements and fixes, particularly related to StudentAid.gov; and
• Submit positive feedback and compliments related to Title IV federal student aid.

If a student or parent’s complaint is not resolved, they may also contact the Federal Student Aid Ombudsman.

A student’s enrollment in a program of study abroad approved for credit by University of Redlands may be considered enrollment at the home institution for the purpose of applying for assistance under the Federal Student Aid, State, and Institutional aid programs.

PLUS Credit Counseling is required if the U.S. Department of Education has informed a Federal Direct PLUS Loan applicant that they have an adverse credit history and have:

• Obtained an endorser or
• Documented extenuating circumstances to the satisfaction of the U.S. Department of Education

PLUS Credit Counseling will help students and parents understand the obligations associated with borrowing a PLUS loan and assist them in making careful decisions about taking on student loan debt.

TEACH Grant Initial and Subsequent Counseling explains the terms and conditions of the TEACH Grant service obligation, the circumstances under which a TEACH Grant will be converted to a Direct Unsubsidized Loan, and the student’s responsibility for repayment if their TEACH Grant is converted to a loan. Students are required to complete counseling before receiving their first TEACH Grant ("Initial Counseling") and also before receiving a new TEACH Grant for each subsequent year of their program of study ("Subsequent Counseling").