Graduate School of Theology 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.

Aid to International Students
International applicants should be aware that GST cannot provide grants or on-campus employment sufficient to support a student’s family. Before issuing a visa application (I-20) you must have evidence in the form of bank statements or affidavits of support that the student has resources to finance living expenses incurred during the entire course of study.

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

Federal (DirectLoan)
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.

College (Presidential and Alumni Scholarships, Spirituality & Social Justice Scholarship, and Need-Based Tuition Grants)
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 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.

Application Procedures and Deadlines
Students must complete the Free Application for Financial Aid (FAFSA) each year to receive financial aid. The FAFSA may be submitted online at fafsa.ed.gov.

Eligibility for institutional financial aid is based upon the completion and submission of the appropriate financial aid forms and FAFSA each year.

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.

Satisfactory Academic Progress
All students enrolled in the Graduate School of Theology (GST) must meet the Satisfactory Academic Progress (SAP) set forth by the University of Redlands and the federal government.

Satisfactory academic progress is evaluated on the basis of the number of credits completed and approved degree requirements, as well as the students’ cumulative grade point average (GPA). To receive financial aid at the University of Redlands and maintain satisfactory academic progress, students must meet the following minimum standards when progress is checked after each term.

Treatment of Grades
For purposes of this policy, the following grades are considered to indicate courses attempted and completed: P, A, B, or a C. Grades of W, I, D and F are considered attempted and not completed.
For financial aid purposes, classes that are repeated the second time count towards credit(s) attempted. Once a student passes a course, the student may repeat the course once (regardless of the grade they get for this attempt), but may not receive Title IV funds if they decide to repeat the course a third time.

Pace
All students must maintain a completion percentage 67% or above for their active academic program.

The maximum timeframe for full-time students is 150% of the published program length. For students attending less than full time, maximum time frame is prorated accordingly.

Courses graded with an Incomplete “I” grade count toward the pace measure of SAP, but not the GPA measure. Once a grade is posted SAP for that term may be recalculated at the student’s request.

GPA
Graduate students must maintain a GPA of 2.0 or better in order to be making satisfactory academic progress. Students receiving Presidential and Alumni merit scholarships must maintain a GPA of 3.0 or higher to retain their scholarship.

Time Frame for Completion
The maximum time frame for completion of a program is 150% of the actual program. For students who attend less than full-time, the maximum time frame will be prorated accordingly, based on their attendance.

Review Intervals
Student Financial Services will review all students receiving financial aid for Satisfactory Academic Progress (SAP) after each term. Students who do not meet the above requirements during any SAP review will be placed on warning for one term. At the end of the warning term, SAP will be reviewed again. Students who are still not meeting the minimum standards will be placed on Financial Aid Suspension. If a student feels they have a reason to appeal for reinstatement, they can submit an appeal and if approved, will be placed on probation for one term.

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.

How to Re-establish Eligibility
Students can re-establish their eligibility for financial aid by meeting both the pace and GPA requirements.

Sources of Financial Aid 
The following is a list of financial aid programs available to students in the Graduate School of Theology.

Scholarships
Presidential and Alumni Scholarships are awarded each year to new and returning students in the M.DIV. program who demonstrate leadership in the Church and other forms of service, strong academic performance, and promise for ministry. Scholarships are renewable annually over the course of the student’s studies.

The top students in each incoming class will be offered renewable Presidential Scholarships covering 100 percent tuition for three years full time in the M.DIV program. In addition, up to three of these students may be offered a one-time $2,500 Exceptional Merit Scholarship to assist them in their transition to seminary life. Alumni Scholarships covering on average 75-85 percent of tuition are also renewable for a total of three years full-time study.

Eligibility Requirements
• M.DIV student
• enrolled full time
• making satisfactory academic progress (continuing students), and additionally maintain a GPA of 3.0 or higher

Spirituality & Social Justice Scholarship
GST is offering up to 10 Spirituality & Social Justice Scholarships of $1,000 to qualified first-year students. This scholarship is applicable to GST master’s degrees only.

To be eligible for the Spirituality and Social Justice Scholarship, the individual must be accepted by the GST AND enrolled as a full-time student, registered for a minimum of 9 credits per term.

Need-Based Tuition Grants
Need-Based Tuition Grants are institutional aid provided to help students with the cost of tuition. The student’s need is determined based on the information supplied in the financial aid application and the FAFSA.

Need-based grants cover a maximum of 65 percent of the cost of tuition per semester for M.Div. students, and may vary depending on the student’s need. GTU MA students may also receive need-based grants up to 50 percent of the cost of tuition for the 48 credit hours required for the degree. Need-based grants are available for tuition only and not for continuing fees.

To qualify, you must show that you need financial aid. Need is the difference between what it costs to attend your academic program (Cost of Attendance) and what you and your family can afford to pay toward that cost (Expected Family Contribution).

Cost of attendance includes direct educational costs (tuition, books and supplies) as well as living costs (meals, housing, transportation and personal expenses). Your expected family contribution is determined by a process called federal need analysis, which takes into account family size, income, assets, age and other factors. Missing deadlines may affect your eligibility for a grant or scholarship.

Eligibility Requirements
• M.Div., two-year M.A.T.S., or GTU MA student
• enrolled at least half-time
• making satisfactory academic progress (continuing students)
• paying tuition
Need-based grants are not available for one-year M.A.T.S. students, and “Special” M.Div. students, unclassified students, GTU summer school tuition or other off-campus instruction such as Clinical Pastoral Education. M.Div. students receiving Presidential or Alumni Scholarships are not eligible for additional aid in the form of Need-Based Grants.

Loans

Federal Direct Unsubsidized Student Loan
This long-term loan is available from the Department of Education. The interest rate on this loan for disbursements made after July 1, 2019, is 6.08% for graduate students. Interest begins to accrue on the Unsubsidized Loan as soon as the funds are disbursed and during all eligible periods of deferment and the grace period. The student’s options in handling the interest on the loan are:
1. Pay the interest and principal;
2. Pay the interest quarterly and defer the principal; or
3. Defer the interest and principal until the student goes into repayment. (Interest will accrue while the student is enrolled and in the grace period. Interest will be capitalized to the loan when the student begins repayment.)

Eligibility
Full-time and half-time students are eligible to apply.* Eligibility is documented via the FAFSA form. This loan is available to students who do not demonstrate the financial need necessary to qualify for a subsidized loan.

Loan Limits
Full-time and half-time graduate students may borrow up to $20,500 per academic year. Maximum aggregate loan limits for a graduate or professional student are $138,500.

Federal Grant 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 7.08% for loans disbursed after July 1, 2019.

Payment of Financial Aid Awards
All financial aid awards are credited directly to a student’s account at the beginning of each semester.

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.

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

                                                                           2019/20 Graduate School of Theology 

  On-Campus Off-Campus
Tuition and Fees: See Actual Tuition Rates per term See Actual Tuition Rates per term
Books: $500 per 4 mo. term $500 per 4 mo. term
Food: See Actual Tuition Rates per semester $330 per month
Housing: See Actual Tuition Rates per semester $1,200 per month
Living Expenses Total: See Actual Tuition Rates per semester $1,530 per month
Transportation: $250 $250 per month
Personal/Misc: $140 $140 pe month
Loan Fees: $110 per term $110 per term

 

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 gibill.va.gov/.

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.

Student 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.