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  • PLUS Loan — Loans — Financial Aid — Carthage College
    there is a 4 origination fee For PLUS loans made to parents that are first disbursed on or after July 1 2008 the borrower has the option of beginning repayment on the PLUS loan either 60 days after the loan is fully disbursed or wait until six months after the dependent student on whose behalf the parent borrowed ceases to be enrolled at least half time Please be aware that the school can t set up the deferment on the PLUS loan you must contact Direct Lending in order to request the deferment They can be reached at 1 800 848 0979 Loan Application Requirements To apply for a Direct PLUS loan a parent must compete two steps with the Department of Education Both steps are available on the same web page and can be done at the same time The two steps are 1 Complete the PLUS Loan Request Process at www studentloans gov and 2 Sign the Master Promissory Note at www studentloans gov You will need the parent s FAFSA PIN number to complete the application MPN with an electronic signature Both steps must be completed before you can receive funds Generally the PLUS Electronic MPN needs to be completed only once provided the parent borrower remains the same from year to year The federal government will make a credit decision on the loan This decision process can take up to two weeks If you are approved for a PLUS loan and the PLUS Loan Request and Master Promissory Note are completed we will disburse the funds to the student s account on the scheduled disbursement date What happens if I am denied If you do not qualify for a PLUS loan you will be notified in writing of the denial decision and your options If you

    Original URL path: http://community.carthage.edu/finaid/loans/plus-loan/ (2013-06-13)
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  • Loan Borrowing — Loans — Financial Aid — Carthage College
    bank address phone number Who services the loan How long does it take to process the loan Who can the borrower call or write with questions or problems Eligibility Criteria Who is eligible to borrow the loan student parent Does the applicant have to be creditworthy Is a co signer required Does the co signer have to be creditworthy What are the enrollment requirements undergraduate graduate full or part time in degree program or just taking courses Are there any other eligibility requirements that could affect the student citizenship for past or just current bills Loan Amounts What is the maximum loan per year Does need or other aid have to be taken into consideration What is the minimum loan What is the aggregate amount that may be borrowed for multiple years Borrowing terms How is interest determined fixed or variable rate formula used Is there an interest rate cap How frequently is the interest rate adjusted What is the current interest rate When will it be adjusted again What other fees are charges application origination guarantee insurance Are fees added to the loan balance or deducted from the loan fees What is the Annual Percentage Rate APR Application processing Where do I get an application Is school certification required Do I apply by mail phone fax or the Internet What is the application renewal process for additional years Does the loan need to be secured or is it unsecured with a borrower asset Loan disbursement When are the loan proceeds given to the student all at once or each term Where are the loan proceeds sent to the borrower or to the school Is the loan disbursement made payable solely to the borrower or co payable to the school In what form will the proceeds be delivered to the

    Original URL path: http://community.carthage.edu/finaid/loans/loan-borrowing/ (2013-06-13)
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  • Alternative Loans — Loans — Financial Aid — Carthage College
    the student will be eligible for the loan They typically have a variable interest rate and cannot be consolidated with other federal loans such as Direct Stafford Direct Plus or Perkins Federal loans will always offer a better deal and it is imperative you exhaust all federal options before applying for an Alternative Loan Interest rates depend upon the combination of the student s credit history and the cosigner s credit history Unless the student has a well established credit history private lenders typically will require a cosigner Payments begin within six months of graduation dropping below six credits or withdrawing from school The student can borrow the full amount of the cost of attendance less any other financial aid awarded Each lender has specific loan terms Carthage Preferred Lender List As part of Carthage s commitment to assist students and parents with the decision making process in regard to student loans a preferred lender list has been prepared for your guidance The lenders have been selected based upon the following criteria incentives and benefits offered to students and parents quality of service provided to students parents and institution the ability to deliver funds to the school electronically technical abilities

    Original URL path: http://community.carthage.edu/finaid/loans/alternative-loans/ (2013-06-13)
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  • Endowed Scholarships at Carthage — Give — Carthage College
    students during their college years come to understand the importance of donors who help make their education possible Many years in the future some of them will decide to help new generations of students in the same way Student Impact Endowed scholarships are the most prestigious student grants at Carthage They recognize outstanding achievement by the recipients It is appropriate to list endowed scholarships on one s resume throughout one s life A student who receives an endowed scholarship is entering a select group of the College s best students many of whom graduated years ago and now rank among Carthage s most distinguished alumni Endowed scholarships typically carry the name of the individual family or organization that provided the funding The College invests the funds and spends about 5 percent of the annual total Carthage thereby is able to award scholarships annually across successive decades Scholarship endowments allow Carthage to attract and recruit students and complement the financial aid they receive helping to keep costs more affordable for all students Administration of Endowed Funds An endowment is a gift that is held in perpetuity and invested The return on the investment provides a constant source of income for the activities designated by the donor Endowment funds at Carthage help maintain the institution s financial strength The College s endowment program provides the assurance that contributions from friends of Carthage will be managed professionally with the intention of aiding the College in perpetuity Endowments can be established through current gifts of cash stock or real estate or planned gifts such as charitable trusts charitable gift annuities life insurance or bequests At Carthage when contributions to an endowed fund reach 25 000 it is considered fully funded Carthage uses income generated from an endowed fund to meet the wishes of the

    Original URL path: http://community.carthage.edu/give/scholarships/ (2013-06-13)
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  • The Bridge Fund — Give — Carthage College
    and without it I wouldn t be here Today Jillian is majoring in business administration with a double minor in psychology and philosophy Carthage is more than a college The students faculty and staff strive for success for not only themselves but for the entire community she said Carthage is a support system and family I am so grateful that through hard work motivation from those surrounding me and the generous support of alumni donors that I am able to take part in the Carthage experience The Bridge Fund is critical in helping retain and allow students to pursue their dream of finishing at Carthage said Director of Financial Aid Vatistas Vatistas This year 105 Bridge Grants were given to students in need When sophomore Kiley Greene started her career at Carthage she soared In her first semester she declared a double major became involved in clubs on campus found a job on campus and maintained a 4 0 GPA Even though I was finding my spot here at Carthage socially and academically I could not help but constantly worry about the large amount of loans I had taken out to pay for my first year of college and knew that they would only increase as years went by said Kiley My father s job was not very stable at that point and my parents needed to dip into the money set aside to pay for college to pay for bills I knew that if my financial situation remained I could not continue my career at Carthage I had sent all the transcripts filled out the withdrawal papers and even started my search for new colleges when one of my accounting professors pulled me aside after class after hearing about my transfer and asked me why I was leaving In

    Original URL path: http://community.carthage.edu/give/bridge-fund/ (2013-06-13)
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  • Summer Undergraduate Research Experience — Give — Carthage College
    board a stipend and a small research budget for their work The program is possible due in part to the generous support of alumni and friends of Carthage In 2012 the program expanded from the natural and social sciences divisions to all six academic divisions at Carthage Thirty six students were selected for the 2012 SURE program doing research in the humanities arts natural sciences social sciences education and interdisciplinary studies Erin Zimmerman 11 participated in the SURE program in 2009 studying enantiomers of beta blockers with chemistry professor Kevin Morris Enantiomers are molecules that are mirror images of each other they look identical but in pharmaceuticals can have very different and sometimes dangerous effects That summer made me realize that I actually liked doing research said Erin who graduated in May with majors in chemistry and theatre and a minor in biology Now she is headed for the University of Wisconsin Madison where she will pursue a Ph D in analytical chemistry The SURE program was my first research experience It helped me land other research internships the next two summers and ultimately helped me get accepted into graduate school I would not have even considered research as a career path had I not participated in the SURE program Biology major and football player Max Machurick 15 spent his first summer as a Carthage student researching alternative cancer treatment methods with Prof Kristopher Kouldelka He was selected for the 2012 SURE program after taking a J Term course with Prof Koudelka and expressing an interest in using modified procapsids as a source for cancer treatment The ability to participate in the SURE program as a freshmen is incredible said Max who plans to become an orthopedic surgeon Being introduced to this kind of research at such an early level

    Original URL path: http://community.carthage.edu/give/sure/ (2013-06-13)
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  • Meet Fred Krull: Carthage dad, Carthage graduate, Carthage donor — The Parents Fund — Give — Carthage College
    Mr Krull says He and his wife Joan are generous donors to the College and were two of the largest donors toward Tau Sigma Phi s 50th reunion gift Mr Krull majored in economics and accounting at Carthage He later went on to law school and earned his master s degree in accounting Carthage gave me the fundamentals to succeed within the accounting profession he says The economics major gave me a broader line of thinking and it set me up well for my professional responsibilities Mr Krull now lives with his wife and twin daughters Kathleen and Elizabeth in Manhattan Beach Calif His son Brendan is a freshman at Carthage studying physics and theatre Mr Krull is a principal for the firm Ernst and Young Ever since acquiring his position at Ernst and Young Mr Krull has been giving back to Carthage I donate what I can Initially it was probably only in the hundreds of dollars Gradually it has built up over the years Mr Krull said that his family has been very fortunate to give back to his alma mater I think it is important to do and I always appreciated my education at Carthage Since his time at Carthage Mr Krull has enjoyed watching the school grow He remembers working the food line in the Carthage cafeteria where he would start work at 6 15 in the morning The cafeteria was not what it was today he recalled There were only one or two food choices He was a member of the Men s Swim Team and has strong ties with the Tau Sigma Phi fraternity He stays in touch with many of his fraternity brothers still The Carthage Tau Sigs just celebrated their 50th reunion in September It was great to get together with the

    Original URL path: http://community.carthage.edu/give/parents-fund/fred-krull/ (2013-06-13)
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  • The Carthage Athletic Endowment Program — Give — Carthage College
    funds and spends about 4 5 percent of the annual total Carthage thereby is able to provide supplemental operational support to sports teams annually across successive decades Contributions to an endowed fund are for investment purposes merged with the general investment assets of the College and are managed in accordance with its investment policies For spending purposes the fund maintains an accounting identity separate from other named funds within the College s endowment The College s investment objective is to preserve and grow the value of the endowed fund over time Any growth in the fund beyond what is awarded is added to the principal of the fund How may I establish or contribute to an athletic endowment fund Contributing to an Endowed Fund Gifts to established endowed funds may be given at any time and for any amount of money Gifts may come in the form of cash stock real estate or planned gifts such as charitable trusts charitable gift annuities life insurance or bequests Naming an Endowed Fund To establish a named endowment a donor must contribute a minimum of 25 000 Gifts may come in the form of cash stock real estate or planned gifts such as charitable trusts charitable gift annuities life insurance or bequests A donor also may make pledge payments over three to five years to reach the 25 000 minimum donation Those who name an endowment also will be honored with an annual award given to an outstanding student athlete within the designated sport A display located in the N E Tarble Athletic and Recreation Center Office suite highlights the student award recipients and the donor Naming an Award To have a named award within an established endowment a minimum donation of 15 000 is required For example David Wiers a former men

    Original URL path: http://community.carthage.edu/give/athletic-endowment-program/ (2013-06-13)
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