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  • Financial Aid - Undergraduate
    for more information regarding the Extended Repayment Plan Graduated Repayment With this plan payments start out low and increase every two years The length of the repayment period will be up to ten years If a student expects their income to increase steadily over time this plan may be a good choice Monthly payments will never be less than the amount of interest that accrues between payments Although the monthly payment will gradually increase no single payment under this plan will be more than three times greater than any other payment Click here for more information regarding the Graduated Repayment Plan Income Contingent Repayment not available for Parent PLUS Loan borrowers This plan gives a student the flexibility to meet Direct Loan obligations without causing undue financial hardship Each year monthly payments will be calculated on the basis of adjusted gross income AGI plus spouse s income if the student married family size and the total amount of Direct Loans Under the ICR plan the student will pay each month the lessor of the amount the student would pay if they repaid their loan in 12 years multiplied by an income percentage factor that varies with the student s annual income or 20 of the student s monthly discretionary income If the payments are not large enough to cover the interest that has accumulated on Federal loans the unpaid amount will be capitalized once each year However capitalization will not exceed 10 percent of the original amount owed when the student entered repayment Interest will continue to accumulate but will no longer be capitalized The maximum repayment period is 25 years If the student hasn t fully repaid their loans after 25 years time spent in deferment or forbearance does not count under this plan the unpaid portion will be discharged The student may however have to pay taxes on the amount that is discharged Click here for more information regarding the Income Contingent Repayment Plan Income based Repayment Under this plan the required monthly payment will be based on income during any period when the student has a partial financial hardship The maximum monthly payments will be 15 percent of discretionary income the difference between adjusted gross income and 150 percent of the poverty guideline for the student s family size and state of residence other conditions apply Monthly payments will be lower than payments under the 10 year standard plan but the student will pay more interest under this plan If the student has not repaid their loan in full after making the equivalent of 25 years of qualifying monthly payments any outstanding balance on their loan will be forgiven Click here for more information regarding the Income Based Repayment Plan Pay As You Earn Repayment Under this plan the required monthly payment will be based on income during any period when you have a partial financial hardship The student must be a new borrower on or after Oct 1 2007 and must have received a disbursement of

    Original URL path: http://www.fgcu.edu/FinancialAid/Undergraduate/repayment-options.html (2016-02-07)
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  • Financial Aid - Undergraduate
    pay for education expenses Students must complete the FAFSA each year by the priority deadline date of March 1st in order to determine eligibility for the program The rate of pay is at least the current federal minimum wage but can be higher depending on the type of work the student performs and the skills required Students must be enrolled at least half time in a degree seeking program and must be meeting satisfactory academic progress to be eligible for the program Federal Work Study Information for Students Students interested in FWS must answer the questions below to check FWS eligibility The Financial Aid office will reply via email to the student with eligibility information To Submit a FWS Inquiry Students must have a completed official FAFSA in order to determine Federal Work Study FWS eligibility A student that has confirmed FWS eligibility may then pursue a FWS position Confirmation of FWS eligibility does not guarantee the student a FWS position The Financial Aid Office does not post or advertise FWS positions The student may visit The College Central Network via the Career Development Services website to view available on campus positions Your browser does not support iFrames Federal Work

    Original URL path: http://www.fgcu.edu/FinancialAid/Undergraduate/work-study.html (2016-02-07)
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  • Financial Aid - Undergraduate
    College Plan Tax Information Contact Us Study Abroad Financial aid eligibility for studying abroad is determined by the type of study abroad program you attend as well as the type of financial aid you receive Only students earning a degree at FGCU are eligible FGCU Study Abroad and Exchange Programs are those for which you are eligible to receive credits and grades that will be counted in your FGCU cumulative grade point average Affiliate Study Abroad Programs are part of another university or college and you will only receive transfer credits at FGCU Grades may appear on your unofficial FGCU transcript but not on your official FGCU transcript and will not be included in your FGCU grade point average Additional instructions to ensure your financial aid can be used at the other institution are listed below Any study abroad program for which you will not receive transfer credits or grades at FGCU is not eligible for any financial aid funds Financial Aid Funding Source FGCU Study Abroad and Exchange Programs Affiliate Study Abroad Programs Federal Pell Grant Yes Yes Federal SEOG Yes No Federal Work Study No No Federal Stafford Loans Yes Yes Federal PLUS Loans Yes Yes FGCU Grants Yes No FGCU Foundation Scholarships Yes No FGCU Tuition Waivers Yes No Gilman International Scholarship Program Yes Yes Florida Student Assistance Grant Yes No Florida Bright Futures Yes No Additional Requirements for Affiliate Study Abroad Programs To receive any financial aid for an affiliate program you must receive approval from the FGCU The International Services office and your FGCU academic advisor to transfer the credits to your FGCU academic record The FGCU Financial Aid Consortium Agreement must be completed by the student by the student s academic advisor at FGCU and by the Host Institution s Financial Aid Office The

    Original URL path: http://www.fgcu.edu/FinancialAid/Undergraduate/study-abroad.html (2016-02-07)
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  • Financial Aid - Undergraduate
    with UINs ending in 5 6 Vanessa Wagamon Students with UINs ending in 7 8 Barbara Hammer Students with UINs ending in 9 0 Charlotte Bingham Back to Top Eligibility for Aid open How is my financial need determined when I apply for financial aid The types and amount of financial aid you are awarded depends on the information you supplied on the FAFSA program eligibility and the availability of funds Your awards could include grants or scholarships work study or loans open What is the Verification process Why was I selected for verification and how do I complete the process The U S Department of Education has developed a process called Verification in order to insure the accuracy of the information that is reported by students and parents on the FAFSA The central application processor for the U S Department of Education selects some applications randomly others are selected because the reported information appears to be inconsistent or incorrect The Financial Aid Office is also permitted to select applications for Verification If you are selected for Verification you must provide certain documents to the Financial Aid Office Students are notified via e mail if they have been selected for verification and the documents needed If inaccuracies are found in the review process your FAFSA will be reprocessed with the correct information Please see the Verification page of our website for more information http www fgcu edu FinancialAid Undergraduate verification html open I am an out of state student Can I receive financial aid Yes However the cost of attendance will be higher than that of an in state student In addition some programs are only available for Florida residents open I am a graduate student Can I receive financial aid Graduate students are eligible to receive Federal Stafford Loans Federal Work Study the FGCU Graduate Student Grant and in some cases the Federal Graduate PLUS Loan The FAFSA must be completed to apply for all of these awards In addition graduate students may also complete the online FGCU Foundation Scholarship application at http www fgcu edu as financialaid to apply for scholarship funds open I am a non degree student Can I receive financial aid Generally students must be enrolled in a degree granting program in order to be eligible for financial aid However students who are enrolled in the Teacher Immersion Program TIP at FGCU and have been approved by the Teacher Immersion Program coordinator may be eligible to borrow Federal Stafford Loan funds open I am an international student Am I eligible for any financial aid International students are not eligible for any federal financial aid or aid from the state of Florida The Office of International Students at FGCU provides information about financial opportunities for international students See their web site for more information http studentservices fgcu edu International StudyAbroadScholarships asp open I am an undocumented student Am I eligible for financial aid For information regarding financial aid undocumented students please click here open Can my financial aid awards change after I have been packaged Yes it can Your award may be increased reduced or even cancelled if You provided incorrect data on your FAFSA You are suspended by your college or by the University You are placed on financial aid suspension You do not enroll for the required number of hours to receive aid through the programs awarded to you open Will I receive the same financial aid awards next year Not necessarily Some awards may remain the same while other need based awards may change based on the EFC on your FAFSA open Will outside scholarships affect my financial aid awards Possibly If a student s financial aid exceeds their financial need and or the university s established cost of attendance an adjustment must be made to ensure compliance with federal and state regulations and institutional guidelines Self help aid such as direct loans and federal work study awards are adjusted before grants or scholarships are affected Changes to a student s award offer may result in a financial obligation to the Florida Gulf Coast University open How many credit hours must I take to be considered full time for financial aid Undergraduate students must enroll for at least 12 credit hours each semester in order to be considered full time Graduate students must enroll for at least 9 credit hours each semester in order to be considered full time open What should I do if my financial circumstances change Can the information on my FAFSA be updated In some cases changes in family circumstances can be considered when determining your eligibility for financial aid You may speak with a Financial Aid Office representative to determine whether the change in your circumstances warrants an adjustment of your FAFSA information You may refer to the Change of Circumstances Form on our web site for examples of circumstances that may warrant adjustments The Change in Circumstance form can be printed from the Online Forms page of our website http www fgcu edu FinancialAid Undergraduate Online Forms html open Can I receive financial aid for summer classes In some cases students are eligible for financial aid during the summer term If you received a Federal Pell Grant and did not enroll as a full time student during both the preceding Fall and Spring semesters you may have remaining Federal Pell Grant eligibility for the summer You must contact the Financial Aid Office and inform them that you have not received your entire yearly Federal Pell Grant award and that you are enrolled for the Summer term If you did not borrow the annual maximum Federal Stafford Loan during the preceding Fall and Spring semesters you may be eligible to borrow a Federal Stafford Loan during the summer You must contact the Financial Aid Office and request a loan for the summer term If you are a dependent student and you enroll for at least 6 credit hours during the summer your parents may be eligible to borrow a Federal PLUS loan for the summer term Your parents must apply for a Federal PLUS loan for the summer term Florida Bright Futures Scholarships are not available during the summer term open Will moving on campus or off campus affect my financial aid eligibility Where you live while attending FGCU is one of the factors that are used to determine the amount of aid for which you are eligible See our web site for information about the Cost of Attendance that is used at FGCU to determine how much financial aid you will receive Students who live with their parents while they attend FGCU have a different cost of attendance than students who live away from their parents either on or off campus since the cost of living at home with your parents is less than the cost of living in a residence hall or the cost of maintaining your own residence Back to Top Gulfline and Financial Aid open What kind of information about my financial aid can I find on Gulfline Gulfline is FGCU s web based information system for students faculty and staff You can check your financial aid record in Gulfline to find out what documents the Financial Aid Office requires from you view your financial aid awards accept decline or adjust your financial aid awards report the amount of any scholarships or grants from outside sources that are not included in your financial aid record see if any required loan entrance counseling or exit counseling has been completed https gulfline fgcu edu pls fgpo twbkwbis P GenMenu name homepage Back to Top Student Loans open What types of federal student loans are available Direct Subsidized Loans are loans made to eligible undergraduate students who demonstrate financial need to help cover the costs of higher education at a college or career school For a subsidized loan the U S Department of Education pays the interest While you re in school at least half time For the first six months after your leave school referred to as a grace period and During a period of deferment a postponement of loan payments Direct Unsubsidized Loans are loans made to eligible undergraduate graduate and professional students but in this case the student does not have to demonstrate financial need to be eligible for the loan For an unsubsidized loan you are responsible for paying the interest during all periods If you choose not to pay the interest while you are in school and during grace periods and deferment or forbearance periods your interest will accrue accumulate and be capitalized that is your interest will be added to the principal amount of your loan Direct PLUS Loans are loans made to graduate or professional students and parents of dependent undergraduate students to help pay for education expenses not covered by other financial aid There are two kinds of PLUS loans The first is a loan for the parents of undergraduate dependent students The parent is the loan borrower and is obligated to repay the loan The purpose of the loan is to make aid funds available up the amount of the difference between the student s cost of attendance and all other aid the student is receiving The second is for graduate students Graduate students may borrow PLUS loans if their cost of attendance exceeds the aid they receive from all other sources including the Federal Stafford Loan The graduate student is the loan borrower and is obligated to repay the loan open Is there a charge for taking out a loan Yes there is a 1 loan fee on all Direct Subsidized Loans and Direct Unsubsidized Loans The loan fee will be proportionately deducted from each loan disbursement open How will I receive my loan The school will first apply your loan funds to your school account to pay for tuition fees room and board and other school charges If any additional loan funds remain they will be returned to you open How many credit hours must I take to be eligible for a student loan The U S Department of Education requires that a student enroll on at least a half time basis in order to be eligible to receive a Federal Stafford Loan Undergraduate students must enroll for at least 6 credit hours each semester in order to be considered half time Graduate students must enroll for at least 5 credit hours each semester in order to be considered half time open What is a Federal PLUS Loan Whose loan is it and who is responsible for repaying it Although PLUS is an acronym for Parent Loan for Undergraduate Students there are two kinds of PLUS loans The first is a loan for the parents of undergraduate dependent students The parent is the loan borrower and is obligated to repay the loan The purpose of the loan is to make aid funds available up the amount of the difference between the student s cost of attendance and all other aid the student is receiving The second is for graduate students This is a new feature of the PLUS program starting with the 2006 07 academic year Graduate students may borrow PLUS loans if their cost of attendance exceeds the aid they receive from all other sources including the Federal Stafford Loan The graduate student is the loan borrower and is obligated to repay the loan open What is a Master Promissory Note MPN and how do I sign it A promissory note is a binding legal document you sign when you get a student loan It lists the conditions under which you re borrowing and the terms under which you agree to pay back the loan It will include information on how interest is calculated and what deferment and cancellation provisions are available to the borrower It s very important to read and save this document because you ll need to refer to it later when you begin repaying your loan or at other times when you need information about provisions of the loan such as deferments or forbearances You only have to sign the Master Promissory Note MPN once even if you borrow several loans over the course of your education If you change lenders a new MPN must be completed You will be contacted by your lender or their representative with information on how to sign the MPN The MPN can be signed electronically or on paper Borrowers are strongly urged to sign the MPN electronically open What is entrance counseling Before receiving a Direct Stafford Loan borrowers must complete an entrance counseling session This quick and easy interactive counseling session provides useful tips and tools to help you develop a budget for managing your educational expenses and helps you to understand your loan responsibilities Entrance counseling is completed on www studentloans gov open How much am I allowed to borrow each year in student loans The amount you can borrow each year from the Federal Stafford Loan program is based on the number of credits you have earned toward the degree you are pursuing as well as your dependency status Detailed information about Annual Loan Limits is available on our web site http www fgcu edu FinancialAid Undergraduate loans html open I declined loans in the beginning of the semester on Gulfline can I change my mind Yes If you would like to accept loans previously declined please submit a Loan Request Form to your financial aid officer open What is an alternative loan Why doesn t the Financial Aid Office at FGCU certify alternative loans An alternative loan is a private education loan offered by a lender The loan is not government guaranteed and consequently alternative loans often cost more than loans offered by the federal government FGCU does not certify alternative loans for dependent undergraduate students Parents of dependent students should consider borrowing a PLUS loan if the student requires additional loan funds beyond those provided by the Federal Stafford Loan program Back to Top Florida Bright Futures Scholarship open Do I have to fill out the FAFSA to get a Florida Bright Futures Scholarship A FAFSA is no longer required for the Bright Futures Scholarship Program open I am graduating from high school mid year and wish to be eligible to receive a Bright Futures award beginning in the spring term What do I do Students who graduate from high school mid year may submit a Florida Financial Aid Application no later than August 31 prior to the student s fall graduation be evaluated for Bright Futures and if eligible receive funding in the spring term following the student s high school graduation Bright Futures Website http www floridastudentfinancialaid org SSFAD home uamain htm open What happens if I drop a course Students are required to repay the cost of any Bright Futures funded course dropped or withdrawn after the Add Drop week ends Repayment to the to Florida Gulf Coast University Cashier s office is required An exception may be granted by the Registrar if an appeal is approved open Is there a time limit I have to repay the cost of a dropped withdrawn course It is in the student s best interest to repay the cost of the dropped withdrawn hours as soon as possible as a HOLD will be placed on the student account until repayment is received The student will be ineligible to access their student account and the award will not renew for any subsequent academic years until repayment or satisfactory arrangements to reimburse FGCU have been made open What happens when I repay the cost of a dropped withdrawn course When a student repays FGCU the cost of dropped withdrawn hours those hours are returned to that student s Bright Futures hours remaining for funding purposes The student must successfully pass all funded classes drops are not part of the completion calculation as they are repaid open What happens if I fail a class Students are required to successfully pass all funded classes If you are at risk of failing a class please stop by the Financial Aid office to find the best course of action to take so as to maintain eligibility for Bright Futures You cannot make up failed classes in summer term Dropping the class is usually the best course of action if at risk of failing open What happens if my GPA is below the requirement Students are allowed to use the summer term after their first year to make up GPA deficiencies If you cannot get the necessary GPA in summer you will lose the scholarship for the second year After spring term of the second year you may apply for RESTORATION at the Bright Futures website if you have the required GPA The state does not allow for GPA make up after the first year Please see Financial Aid if you had issues that prevented you from being successful open Do I have to enroll full time to receive Bright Futures funding No A student may enroll part time and receive Bright Futures funding Six credits is the minimum required to receive funding Students are required to successfully complete all funded credits open How long and how many hours of funding are available for FAS and FMS recipients Please visit scholarship length on the Bright Futures website Easy access to program information application and award status is at the Bright Futures website This website has information regarding your contact information all communications from the state to the student regarding status of application and awards open Will Bright Future fund my graduate courses Please check the Bright Futures website for eligibility The state will determine eligibility for Graduate Bright Futures If granted funding is available for one term of graduate study not to exceed 15 credit hours paid at the current undergraduate rate This may be offered to FAS and FMS recipients who graduate with a baccalaureate degree earned in the 2010 11 academic year or thereafter in

    Original URL path: http://www.fgcu.edu/FinancialAid/Undergraduate/faq.html (2016-02-07)
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  • Financial Aid - Undergraduate
    Applying for Aid How to Apply Eligibility Check your Financial Aid Eligibility Attendance Verification Terms Conditions Verification Withdrawals Repayments Satisfactory Academic Progress Costs Cost of Attendance Tuition and Fees Net Price Calculator Financial Aid Programs Grants Scholarships Florida Bright Futures Scholarship Loans Repayment Options Work Study Study Abroad Resources FAQ Useful Links Video Tutorials Student Consumer Information Military and Veterans Affairs Advance Book Purchase Florida PrePaid College Plan Tax Information

    Original URL path: http://www.fgcu.edu/FinancialAid/Undergraduate/Links.html (2016-02-07)
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  • Financial Aid - Undergraduate
    Academic Progress Costs Cost of Attendance Tuition and Fees Net Price Calculator Financial Aid Programs Grants Scholarships Florida Bright Futures Scholarship Loans Repayment Options Work Study Study Abroad Resources FAQ Useful Links Video Tutorials Student Consumer Information Military and Veterans Affairs Advance Book Purchase Florida PrePaid College Plan Tax Information Contact Us Video Tutorials IRS Data Retrieval Tool How to Setup an Electronic Refund Profile How to Log into the

    Original URL path: http://www.fgcu.edu/FinancialAid/Undergraduate/video-tutorials.asp (2016-02-07)
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  • Financial Aid - Undergraduate
    Options Work Study Study Abroad Resources FAQ Useful Links Video Tutorials Student Consumer Information Military and Veterans Affairs Advance Book Purchase Florida PrePaid College Plan Tax Information Contact Us Student Consumer Information The federal government mandates that institutions of higher learning that receive federal funds must disclose certain information about the institution to enrolled students prospective students and members of the community The following Student Consumer Information link below contains

    Original URL path: http://www.fgcu.edu/FinancialAid/Undergraduate/Consumer.html (2016-02-07)
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  • Financial Aid - Undergraduate
    necessary information is stored on your Eagle ID card The FGCU Bookstore will swipe your Eagle ID card and your Financial Aid will be reduced the available balance varies depending on the amount and type of Financial Aid you are awarded When you log onto Gulfline you will see a charge on your account for your purchases When your Financial Aid is disbursed it will be applied toward this charge You must have an Eagle ID in order to take advantage of this service What can I spend this money on This service allows you to use your excess Financial Aid to purchase books through the FGCU Bookstore What types of Financial Aid can be used for this service Private Scholarships Foundation Scholarships Grants Bright Futures Loans Florida Prepaid The sum of the Financial Aid listed above must be greater than your Total Account Balance to take advantage of this service What criteria do I have to meet to take advantage of this service Students must meet the following criteria in order to use this service Listed below are the types of Financial Aid available for use with this service and their respective criteria that must be completed prior to the beginning of the Financial Aid Advance Purchase Program period Please note Private Scholarships Foundation Scholarships Grants Bright Futures and Loans require the Terms and Conditions to be completed Private Scholarships a No additional requirements required Foundation Scholarships a The thank you letter must be completed b The picture must be taken c Scholarship acceptance form must be received Grants a No additional requirements required Bright Futures a No additional requirements required Loans a The loan must be accepted b An entrance interview must be completed first time borrowers only c The Master Promissory note must be electronically signed first

    Original URL path: http://www.fgcu.edu/FinancialAid/Undergraduate/advance-book-purchase.html (2016-02-07)
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