College of Arts and Sciences Student Financial Services

General Information 
Every effort has been made to ensure the accuracy of this information at the time of publication. Due to frequent changes in program regulations mandated by the U.S. Congress, Department of Education, and the State of California, all of the information contained herein is subject to change without notice.

This information reflects the policies, tuition, and fees for the 2019–2020 academic year. New information will be available during summer 2020.

Financial Aid Vocabulary
Acronyms and initials are frequently used in discussing financial aid; many appear in this publication. Familiarity with the following terms is helpful when investigating potential financial aid programs:
COA           Cost of Attendance
EFC             Expected Family Contribution
FAFSA        Free Application for Federal Student Aid
DL                Direct Lending
GPA            Grade Point Average
IRS               Internal Revenue Service
FSEOG      Federal Supplemental Educational Opportunity Grant
SAR             Student Aid Report

Eligibility
To receive need-based financial aid, a student must meet each of the following conditions:
1. The applicant must be a United States citizen, or eligible non-citizen.
2. The applicant must have demonstrated financial need according to the current need analysis procedure.
3. The applicant must be registered with the Selective Service if the applicant is a male, at least 18 years old, and not a current member of the active armed forces.
4. The applicant must be accepted for admission to the University of Redlands.
5. The applicant must certify non-participation in the unlawful manufacturing, dispensation, possession, or use of a controlled substance.
6. Students wishing to earn an additional bachelor’s degree are not eligible for Institutional, state, or federal grant money, however, they may be eligible for Federal loans if they complete a FAFSA.  

Application Procedures and Deadlines
New students must apply for admission by January 15 prior to the academic year of anticipated entrance. Students must complete the Free Application for Financial Aid (FAFSA)* each year to receive financial aid. Undergraduate California residents who wish to apply for a Cal Grant must complete the FAFSA* and submit a GPA verification to California Student Aid Commission (CSAC) by March 2 prior to the academic year of anticipated entrance.

Returning students must complete the FAFSA by March 2 in order to be eligible for the next academic year. Returning students who are currently not receiving the Cal Grant must submit a GPA verification to CSAC prior to March 2**.

*Application may be submitted online at www.fafsa.ed.gov.
*Application may be submitted online at csac.ca.gov.

If the student has not yet completed at least 24 credits at Redlands at the time the GPA Verification form is completed, the student will need to have the form completed by the last institution the student attended and completed 24 credits, or by the student’s high school.

Undergraduate

Analysis System 

Expected Family Contribution
The Expected Family Contribution (EFC) is calculated on the basis of the financial information provided by parents and students on the FAFSA. The analysis system attempts to judge the family’s financial ability to contribute toward the cost of education, not how much they will pay (i.e., the calculation is determined using objective facts of a family’s financial position as opposed to the family’s financial practices). The analysis procedure attempts to determine an EFC based not only upon income, but upon a variety of other variables as well: investments, family size, siblings attending college at the same time, etc.

Verification 
Students who are selected for verification by the Department of Education are required to submit all requested documentation to Student Financial Services for review before they can receive financial aid. Failure to complete the required verification process will result in the postponement or cancellation of all non-merit financial assistance.

How a Financial Aid Award is Determined
An award package is a combination of grant, loan, and/or work funds designed to assist in meeting a student’s need. Financial need equals the difference between educational cost [See the Cost of Attendance section later in this chapter for more details] and the EFC (parental contribution plus a student’s contribution).

Financial Policies and Practices

Dependent or Independent
Students (and their families) have the primary responsibility to meet the cost of their college education to the extent determined possible by the analysis system. Financial aid is available only to cover the difference between each student’s resources and the required expenses of attendance. To qualify as an independent student for federal funds, state funds, and/or University of Redlands funds, the applicant must meet one of the criteria listed below. The individual must be:
1. At least 24 years old by December 31 of the award year
2. An orphan or ward of the court emancipated minor, or in legal guardianship
3. A veteran of the U.S. Armed Forces or currently serving on active duty for purposes other than training
4. An individual with legal dependents other than a spouse
5. A graduate or professional student
6. An unaccompanied homeless youth, or
7. A married person

Duration of Financial Aid Eligibility
The total number of semesters for which financial aid can be awarded and received is determined by subtracting from eight the number of semesters of any college-level work accepted by the University of Redlands. For example, a first-semester, first-year student would be eligible for eight semesters of aid, while a first-semester junior would be eligible for four semesters of aid.

Who Sets the Rules, Regulations, and Procedures? 
Financial aid funds are provided to students primarily from three sources: federal government, state agencies, and individual colleges.

Federal (Pell Grant, DirectLoan, Work, and FSEOG programs)
Federal regulations outline and govern the following items: institutional responsibilities, student responsibilities, the application procedure, student eligibility, maintenance of student records, analysis procedure, award coordination with state and college awards, and recipient enrollment requirements.

State (Cal Grant A, Cal Grant B, and Cal B Access Grant)
The State of California regulates institutional responsibilities, student responsibilities, student eligibility, application procedure and deadlines, analysis procedure, award coordination with federal and college awards, and enrollment requirements.

College (Achievement Awards, University Scholarships and Grants, Presidential Scholarships, Talent Awards, Redlands Loan)
Members of the University of Redlands Board of Trustees, in coordination with the Financial Aid Committee, regulate the distribution of college funds, adhering first to federal and state regulations.

The Office of Student Financial Services at the University of Redlands adheres to all federal, state, and college regulations in the application for, and in the analysis and awarding of, financial aid to ensure that regulations are not in conflict and meet the language and intent of the legislative provisions. Copies of federal, state, and institutional policies and procedures are on file in the Office of Student Financial Services.

Satisfactory Academic Progress
The University of Redlands defines satisfactory academic progress (SAP) on the basis of the number of credits and approved degree requirements satisfactorily completed as well as the student’s cumulative grade point average (GPA). To receive financial aid at the University of Redlands and maintain satisfactory academic progress, undergraduate students must meet the following minimum standards. Satisfactory academic progress is reviewed each semester. 

Students who are not meeting the minimum standards will be placed on warning for one semester. Satisfactory academic progress will be reviewed at the end of the warning period. Students who fail to meet the terms of the warning will be placed on suspension and must appeal for future financial aid.

Minimum Requirements for Full-Time Status
Students must complete at least 12 credits per semester (24 credits per year) with at least a 2.0 grade point average.

Special Notes
Although the minimum acceptable standard to be eligible for financial aid is 24 academic credits per year for full-time students, a student must complete an average of 32 credits per academic year to graduate within a four-year period. A student may have met the minimum satisfactory academic progress requirement throughout the four years and be unable to graduate because (s)he will not have met the 128-credit degree requirement. If this happens, the student will not be eligible for State of California or University of Redlands non-Title IV aid for the ninth and tenth semesters, which might be required to complete University of Redlands degree requirements.

Classes for which a student received an incomplete will not be counted toward the number of credits completed until the grade has been posted.

Part-time students are not eligible for University of Redlands funding.

Appeal Process
Students placed on Financial Aid Suspension who wish to receive financial aid during their term of suspension must return the SAP appeal form along with all supporting documentation within the current payment period to the SAP Review Board in Student Financial Services.

Sources of Financial Aid
The following is a list of financial aid programs available to students in the College of Arts and Sciences.

Need-Based Grants 

University of Redlands Grants
University Grants are awarded to qualified undergraduates who meet all filing deadlines. Awards are based on financial need, academic standing, and availability of funds. They are made possible, in part, through gifts to the university. The Office of Advancement Services coordinates donor relations, and the student may be asked to write a letter of thanks to the donor and/or participate in donor recognition activities. University grants go toward tuition expenses only.

Note: Students must reapply for financial aid every year by March 2. Students who apply after March 2 will have a 10 percent reduction in their University grant. After July 1, there will be a 25 percent reduction in University grant.

Cal Grant A and Cal Grant B
Cal Grants are funded by the State of California and are administered by the California Student Aid Commission (CSAC). Awards are based on financial need and grade point average. When you file a FAFSA and a Cal Grant GPA verification form by March 2, you are automatically considered for a grant. Cal Grant eligibility is contingent on students and/or parents meeting income and asset requirements. CSAC makes all final Cal Grant decisions.

It is the policy of the University of Redlands to directly apply financial aid and/or scholarship funds to current year tuition, fees, residence hall charges, and other institutional expenses before releasing funds to students. A student may request that their Cal Grant B Access Grant be disbursed directly to them. This request can be made at any time; however, if the grant has already been disbursed, the request would affect only future payments. The request may be made in person to Student Financial Services or via email at SFS@redlands.edu.

Federal Pell Grant
This federal grant ranges from $650 to $6,195 for a full-time undergraduate student. The award is determined by the amount of the EFC in relation to the cost of attending the University of Redlands. Eligibility is limited to a total of 12 semesters during the pursuit of a student’s first baccalaureate degree.

Federal Supplemental Educational Opportunity Grant (FSEOG)
This federal grant assists students who demonstrate financial need and is administered by the Office of Student Financial Services. Grants range from $200 to $4,000 per academic year. A student must have a Pell Grant to be eligible to receive an FSEOG.

Institutional Loans
A loan is often part of a financial aid award package and enables students to defer educational costs. All educational loans must be repaid.

Redlands Loan
This 5 percent interest loan is packaged according to the University’s packaging policy. Funding is limited. Repayment begins six months after a student is no longer registered as an undergraduate student at the University of Redlands.

Federal Direct Student Loans 
Federal Direct Student Loans are either subsidized or unsubsidized based on financial need, which is evaluated using the data reported on the FAFSA.

Federal Direct Subsidized Student Loans
This long-term student loan is available from the Department of Education. No interest is charged to the student, nor is repayment required, while the borrower is enrolled at least half-time. The interest rate for undergraduate students is a fixed 5.05 percent for loans borrowed after July 1, 2018. Students should consult their repayment schedules to determine the applicable interest rates for loans borrowed prior to July 1, 2018. Borrowers are eligible for a six-month grace period once they drop below half-time enrollment, before repayment begins. Interest accrues during the six month grace period, but you are not required to begin making payments until your grace period ends. If you do not pay the interest during your grace period, it will be capitalized. Students are eligible for this loan if they demonstrate a financial need using standards established by the U.S. Department of Education.

Loan Limits
Students with a demonstrated need can borrow what is needed, not to exceed a maximum subsidized amount of $3,500 a year for freshmen, $4,500 a year for sophomores, and $5,500 a year for juniors and seniors. The aggregate loan limit for subsidized direct loans is $23,000.

Federal Direct Unsubsidized Student Loans
This long-term student loan is available from the Department of Education. The interest rate on this loan is fixed at 5.05 percent for loans disbursed after July 1, 2018. Full-time and half-time students are eligible to apply. This loan is available to students who do not demonstrate the financial need necessary to qualify for Federal Direct Subsidized Loans.

The same terms and conditions apply as to Subsidized Federal Direct Loans, except the borrower is responsible for the interest that accrues during deferment periods (including time in school). During deferment periods, a student can (1) Make payments toward principal and interest; (2) Pay the interest quarterly and defer the principal; (3) Defer the interest and principal until the student goes into repayment (interest will accrue and be capitalized to the loan when the student enters repayment).

Loan Limits
Yearly loan limits for a dependent undergraduate student are $5,500 for a freshman, $6,500 for a sophomore, and $7,500 for a junior or senior in total Direct Loan funds. Yearly loan limits for independent students or students whose parents have been denied a PLUS Loan allow for an additional $4,000 (freshmen and sophomores) or $5,000 (juniors and seniors). The maximum aggregate loan amount for total direct loans is $31,000 for a dependent undergraduate student and $57,500 for an independent student, or those who have been denied a PLUS Loan.

Standard repayment on Direct Loans requires a minimum monthly payment of $50 or the amount required to repay the loan within 10 years. Visit www.redlands.edu/sfs/direct for more information.

Federal Direct Parent PLUS Loan for Undergraduate Students
Parents of dependent, undergraduate students are allowed to borrow a PLUS Loan for up to the total cost for the academic year, minus financial aid received. Repayment is required to begin within 60 days after the last disbursement; however, borrowers can request a deferment by contacting their loan servicer while their student is enrolled at least half-time toward their baccalaureate degree. The current interest rate is a fixed 7.6 percent for loans borrowed after July 1, 2018. The federal government deducts four percent in fees before the loan funds are disbursed to the University. The monthly minimum payment must be $50 or an amount that will allow the loan to be paid in full in 10 years, whichever is more. Fees for this loan may be reviewed online at www.redlands.edu/sfs/plus.

Academic and Talent Awards Not Based on Need
The University of Redlands offers a variety of talent- and merit-based scholarships. Current scholarship amounts and application deadlines may be found at www.redlands.edu/sfs/scholarships.

Achievement Awards
Achievement awards are determined by a review of academic record and/or leadership and accomplishment in school or community service. Entering freshmen and transfers are eligible for consideration.

Talent Awards
Talent awards are available in each of the following areas to entering freshmen students and transfer students: art, creative writing, music, and theatre. Selection and renewal are based upon recommendation by the department.

Renewal Policy on Merit Awards
To be eligible to renew Achievement Awards, Talent Awards, or Presidential Scholarships, students must:
1. Make satisfactory progress toward their degree. See “Satisfactory Academic Progress” section.
2. Achieve a cumulative GPA of at least 3.00 by the end of the sophomore year and each year thereafter. Johnston Center students who have few or no courses taken for a numerical grade must be similarly evaluated by the Johnston Center director. 

Note: If a recipient of any of the above awards is also eligible for need-based funding, the total value of all University gift aid cannot exceed the cost of tuition. 

Student Employment 
Employment opportunities, both on and off campus, are available to those students who have work awards as part of their financial aid package.

The work-study program introduces students to the workforce and helps them develop important skills for future careers. On-campus positions are available in most every department and include, but are not limited to, office assistant, research assistant, data entry clerk, lab technician, tour guide, tutor, and sport event assistant. The Student Employment Office partners with local businesses to offer a variety of opportunities for students. While some off-campus positions may require transportation, others may be walkable or bikeable. Past partnerships include placements with the City of Redlands, Redlands Unified School District, Boys & Girls Club, and local businesses in downtown Redlands including an accounting firm and marketing agency. Student employees can work up to 10 hours a week, which is limited to keep academics as the first priority.

Students should expect to earn $3,700 per academic year. The exact earning potential will depend upon the student's academic schedule and year in school. Institutional funds and federal funds are allocated to provide work awards to students.

Payment of Financial Aid Awards
All financial aid awards are credited directly to a student’s account at the beginning of each semester. The work award is paid bi-weekly to the recipient according to the number of hours worked in each two-week period.

If the amount of your aid exceeds the costs billed to your account, a refund will be issued to the recipient of aid in accordance with federal financial aid regulations within 14 days of when the credit occurs, unless written authorization from the borrower is received by Student Financial Services.

Revisions of Financial Aid Awards 
All financial aid awards are final when granted. However, Student Financial Services office will re-evaluate and consider a revision of the financial aid award if there is a change of family circumstances during the award year, correction or change in the data reported by the family, or discovery of an unintended error. Any revision will be subject to the availability of funds.

Emergency Student Loan Funds
Student Financial Services administers a short-term, no-interest loan fund to assist students experiencing an unexpected emergency or cash-flow problem. Except in unusual circumstances, these loans do not exceed $200 and are billed to the student‘s account. Evidence of repayment ability is a prerequisite for all short-term loans made to students. Students are not eligible for more than one emergency student loan per term.

Cost of Attendance
The following table outlines the cost of attendance for the 2019-2020 academic year:

On-Campus Student Budget 

Tuition $50,630
Room and board (double occupancy) $10,828
Meal plan (standard) 3,842
ASUR fee $350
Books and supplies* $1,970
Total: $67,620

*Estimate of possible cost to student.

Outside Funding Sources

Army ROTC, Air Force ROTC
These programs provide college-trained officers for the U.S. Army, the National Guard, the U.S. Air Force, the Air National Guard, and the U.S. Army Reserve. ROTC scholarships pay for college tuition, books, lab fees, and other purely academic costs. Scholarship cadets also receive a tax-free living allowance up to $1,000 for each academic year the scholarship is in effect. Applicants must be citizens of the United States when they accept the award, at least 17 years of age, and under 25 years of age on June 30 of the year they become eligible for appointment as officers. The SAT or ACT must be taken no later than November of the year the candidate applies for the scholarship. For further information, call (213) 740-2670.

Military and Veteran Benefits
The University of Redlands has been designated by the Veterans Administration as one of the qualified institutions veterans may attend and receive benefits under the following U.S. Codes:

• Chapter 30, Montgomery G.I. Bill (MGIB)—Active Duty
• Chapter 31, Veterans and Vocational Training and Rehabilitation Act (VR&E) [Public Laws 894 and 97-815]
• Chapter 32, VEAP
• Chapter 33, Post 9-11 GI Bill and Yellow Ribbon GI Education Enhancement Program
• Chapter 34, Vietnam Era Education Program
• Chapter 35, Dependents Educational Assistance Program (DEA)
• Chapter 1606, Montgomery GI Bill—Select Reserve (MGIB-SR)
• Chapter 1607, Reserve Educational Assistance Program (REAP)

The University is approved as a Yellow Ribbon School with the U.S. Department of Veterans Affairs. For more information about VA benefit eligibility, contact the U.S. Department of Veterans Affairs at (888) 442-4551 or visit https://benefits.va.gov/gibill/.

The University is authorized for the use of Tuition Assistance for qualified Active Duty, Reservist, or National Guard members. Members should contact their units’ educational office for more information on eligibility and applying for Tuition Assistance benefits. For more information on utilizing military or veteran benefits, contact the University of Redlands Military and Veteran Services at (909) 748-8748, military@redlands.edu, or visit www.redlands.edu/military.

 Students Rights and Responsibilities
The rights and responsibilities of all financial aid recipients as required by federal and state regulations are outlined below.

What students have the right to know:
• The deadlines for submitting applications for each of the available programs.
• How your financial need was determined.
• How much of your financial need has been met.
• What resources were considered in the calculation of your need.
• What financial aid programs are available and their exact requirements.
• How financial aid program eligibility is determined, how decisions on eligibility are made, the basis for these decisions, and the procedures for appealing decisions if you believe you have been treated unfairly.
• What portion of your financial aid is a loan, and what portion is a grant. If the aid is a loan, you have the right to know the total amount that must be repaid, the amount of each payment, the interest rate, the length of time you have to repay the loan, and when repayment is to begin.
• What it costs to attend the University of Redlands, and what the University’s refund policy requires of the University and of you.
• How the University determines whether you are making satisfactory progress, and what happens if you are not.
• What happens if you withdraw or drop out during the year.

Responsibilities of students:
• You should read carefully all information regarding the University of Redlands programs.
• You must complete all forms accurately and submit them on time to the correct agency or office.
• You should be careful and accurate in completing your application for student financial aid. Errors can result in long delays in your receipt of financial aid. Intentional misreporting of information on application forms for federal financial aid is a violation of law and is considered a criminal offense subject to penalties under the U.S. Criminal Code.
• You must be aware of and comply with the deadlines for application and reapplication for aid.
• You need to maintain good academic standing and make satisfactory progress.
• You are required to report to Student Financial Services if you drop below full-time status.
• You are required to provide all additional documentation, verification, corrections, and/or new information as requested by either Student Financial Services or any agency to which you applied.
• You have to update information such as name change, address change, withdrawal, or graduation as they occur. Notify Student Financial Services or any agency that has awarded you funds.
• You must accept responsibility for reading, understanding, and keeping copies of all forms that you are asked to sign.
• You must comply with all policies and regulations when you accept financial aid from any source.
• You should keep track of the total amount of your loans as you go through school so that you have accurate knowledge of the total amount you owe when it is time to begin repayment.
• If you have received a Federal Perkins Student Loan or a Federal Direct Loan from Student Financial Services, you must participate in an exit interview as required by federal law before graduating, transferring, or withdrawing from the University of Redlands.
• You must perform the work that is agreed award. You are required to monitor your earnings and not to exceed the maximum amount of your work opportunity award. Overworking will necessitate a reduction of other forms of financial aid in your package.
• If you receive additional funds from any source, such as outside scholarships, before or after you receive financial aid from the University, you must report the source and value of the award to Student Financial Services. Additional funds frequently require an adjustment to the existing financial aid award to avoid an “over award” as defined by federal and state regulations.
• You should check your University e-mail account on a regular basis.

Appeal Process
A student may appeal University of Redlands’ financial aid decisions in writing to Student Financial Services.

Drug-Related Convictions
Title IV financial aid eligibility is suspended for a student convicted of violating any Federal or State drug possession or sale law. For drug possession convictions, eligibility is suspended:
• One year for the first offense,
• Two years for the second offense, and 
• Indefinitely for the third offense.
• For drug sale convictions that occurred during a period of enrollment for which a student was receiving Title IV aid, eligibility is suspended two years for the first offense, and indefinitely for the second.
• A student’s eligibility for Title IV financial aid may be resumed before the end of the ineligibility period if the student satisfactorily completes a drug rehabilitation program that complies with criteria established by the Secretary of Education, and such a program includes two unannounced drug tests; or the conviction is reversed, set aside, or otherwise removed from the student’s record.

Uniform Crime Reporting
For information regarding compliance with federal regulations on uniform crime reporting, please refer to the Legal Counsel section of this Catalog.

Federal Refund Policy 
Students who withdraw or take a leave of absence from the University during an academic term may have their aid and tuition prorated based on their federally required withdrawal calculation. The withdrawal calculation reevaluates aid eligibility at the time of withdrawal by accounting for “earned” versus “unearned” aid based on the amount of time that has elapsed during the term. There are three steps that the University of Redlands must complete to comply with the federal policy:
1. Determine the withdrawal date
2. Determine the amount of earned federal aid
3. Return unearned federal funds to the appropriate program(s) 

The withdrawal date is the date the student gives official notification of their intent to withdraw. For the withdrawal to be considered official, the student must schedule an exit interview with the Office of Student Life. If the student fails to withdraw officially, the applicable date will become the midpoint of the term, unless the University can document a later date. In certain circumstances, if a later date of last academic activity is substantiated, this date can be used in lieu of the midpoint of the term.

Students who withdraw before completing at least 60 percent of the term will “earn” funds in direct proportion to the time they were enrolled. The percentage of earned aid is determined by dividing the total number of calendar days enrolled by the total number of days in the term. Students who complete at least 60 percent of the term are eligible for 100 percent of their federal financial aid.

Unearned aid must be returned to the appropriate programs in accordance with the calculation schedule approved by the U.S. Secretary of Education. Refunds to specific Title IV programs will be made according to current regulations. For additional information on the refund calculation and refund schedule, see the Tuition and Fees section of this Catalog.

Allocation of Federal Portion of Refunds after Withdrawal
If a refund is available under federally mandated refund policy guidelines, students will not receive refunds until all funds representing financial aid awards have been returned to the respective financial aid programs as required by federal regulations. The federal portion of the refund will be allocated in the following order:
1. Federal Direct Student Loan
2. Federal Direct PLUS Loan (includes Grad Direct PLUS)
3. Federal Pell Grant
4. Federal SEOG
5. Federal Teach Grant
6. Other Title IV Assistance 

Returning Students
Students re-enrolling after withdrawal from the University will be charged current rates and fees based on the start date of new registration.

Information and Assistance
For further information about financial aid, or for assistance in completing any of the application forms, write to Student Financial Services, University of Redlands, P.O. Box 3080, Redlands, CA 92373-0999; or call (909) 748-8047, Monday through Friday, 8 a.m. to 5 p.m.; or email sfs@redlands.edu.

Graduate
Note: The following paragraph titles reflect information pertinent to graduate as well as undergraduate students. The information listed below immediately precedes this graduate section.
• Student Rights and Responsibilities
• Revision of Financial Aid Awards
• Crime Reporting
• Emergency Student Loan Funds
• Policy on Refunds
• Official Withdrawal
• Returning Students
• Repayment Policy
• Other Fees
• Temporary Absence
• Application Procedure
• Deadlines
• Appeal Process
• Information and Assistance

Graduate Assistantships
These are available to graduate students in some graduate programs. Applications may be obtained from the chair or director of the program in which the student plans to enroll.

Federal Direct Student Loans

Unsubsidized Federal Direct Student Loan 
This long-term loan is available from the Department of Education. The interest rate on this loan is fixed at 6.6 percent for loans disbursed after July 1, 2018. The terms and conditions of the Federal Direct Unsubsidized Loan require that the borrower be responsible for the interest that accrues during deferment periods (including time in school) and during the six-month grace period. During deferment periods, a student can (1) Make payments toward principal and interest; (2) Pay the interest quarterly and defer the principal; (3) Defer the interest and principal until the student goes into repayment (interest will accrue and be capitalized to the loan when the student enters repayment). Eligible graduate or professional students may borrow up to $20,500 per academic year. The maximum aggregate Direct Loan limit for a graduate or professional student is $138,500.

Federal Grad PLUS Loan
Graduate students are eligible to borrow from the Grad PLUS Loan Program. Students can borrow up to the cost of attendance minus other financial aid. It is recommended that students maximize their Direct Loan eligibility before borrowing from the Grad PLUS. The interest rate on this loan is fixed at 7.6 percent for loans disbursed after July 1, 2018. Visit our website at www.redlands.edu/dgradplus for more information.

Satisfactory Academic Progress
The University of Redlands defines satisfactory academic progress on the basis of the number of credits and approved degree requirements satisfactorily completed, as well as the student’s cumulative grade point average (GPA). To receive financial aid at the University of Redlands and maintain satisfactory academic progress, graduate students must meet the following minimum requirements based on a 12-month calendar year.

Minimum requirements for full-time status
Each student is required to complete a minimum of 6 academic credits per semester with a 3.0 GPA. Classes that a student received an Incomplete for will not be counted toward the number of credits completed until the grade has been posted.

Payment Policy 
Tuition and fees are billed on a semester basis at a flat rate for full-time students, or a per-unit rate for less than full-time students. All charges must be paid in full prior to the tuition due date. All remittances should be made payable to the University of Redlands.

Students with a past due balance on their University account are subject to dismissal from the University. The University will not release transcripts or a diploma until the past due balance is paid in full.

Students will not be permitted to pre-register for the next term until the past due balance is paid in full.

If the University is required to use third-party collections (i.e., collection agency or attorney) to collect the student account balance due, any future registration may require payment in advance.

For information regarding student and parent loan programs, please refer to the appropriate category in the Student Financial Services section of this Catalog.