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  • Heritage Christian University - Financial Aid - Prospective Students
    for institutional aid except in the most extraordinary circumstances HCU considers all undergraduate students to be dependent unless the student meets the federal definition of independent For those students whose families cannot meet educational costs as determined by a standard set of criteria help is available in the form of government grants loans and work study Also through the generosity of our donors Heritage Christian University has scholarship and institutional funds available to help supplement federal assistance EFC Calculator The Expected Family Contribution EFC is how much families will be expected to contribute to college costs and it helps to determine how much financial need a student has An EFC Calculator can be very helpful in getting a pre FAFSA determination It helps to estimate how much the expected family contribution will be but families should be aware that financial aid estimates are only as good as the data on which they are based Award Packages Award packages are developed with the assumption that applicants wish to receive the maximum amount of gift aid grants and scholarships Financial need not met by gift aid awards may be met with work study or loan assistance depending on the student s requests and on other factors For many applicants full financial need cannot be met with federal student aid Students aid packages may require adjustments to avoid an over award defined by federal regulations as financial aid in excess of financial need Students who are awarded institutional or federal aid and who later receive additional aid not considered in the development of the initial aid package may receive an adjusted award letter reducing aid as required by law Over award adjustments may require students to return funds previously received as a refund Due to Heritage Christian University s commitment to releasing refunds

    Original URL path: http://mail.hcu.edu/financialaid/prospective (2014-06-13)
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  • Heritage Christian University - Financial Aid - Current Students
    Aid Contact the Associate Director of Financial Aid JavaScript must be enabled to view this email address for questions about financial aid or to inquire about the current status of your FAFSA and or awards Federal Direct Loan Master Promissory Note MPN Students click HERE to Complete the Master Promissory Note MPN with the US Department of Education The borrower taking out the loan must sign in using his her own FAFSA PIN o For Federal Direct Subsidized Unsubsidized and Graduate PLUS use the student PIN o For Federal Direct Parent PLUS use the parent PIN Find the Master Promissory Note section see left hand tab Click Complete MPN Click the applicable loan type Follow progress bar to complete and submit MPN Always use your full legal name and SSN as it appears on your social security card for the FAFSA PIN and any loan documents You must make corrections to these items before completing the MPN Who Must Complete a New MPN New HCU student loan borrowers HCU First time borrowers Information You Need 1 Borrower must have his her FAFSA PIN ready If needed see the instructions on how to obtain a new PIN or recover a lost or forgotten PIN at http www pin ed gov 2 Borrower s NAME SSN Date of Birth entered on the MPN and FAFSA must match the same data in the PIN 3 Be ready to provide two references name address and telephone number These should be people who have known the borrower for at least one year preferably relative who live at different addresses 4 Borrower s name date of birth and social security number SSN should be the same as it appears on the FAFSA and PIN 5 The MPN is the borrower s promise to repay all student

    Original URL path: http://mail.hcu.edu/financialaid/current (2014-06-13)
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  • Heritage Christian University - Financial Aid - International Students
    The student must be enrolled half time for summer classes unless they are returning home for the summer Half time enrollment is 6 credit hours 4 The student must have a sponsoring financial supporting U S church congregation and must be under the oversight of a local church leadership 5 The student is required to validate funds for additional fees and reasonable living expenses above the cost of tuition books and registration fees no less than 800 per month per semester for a single unmarried student and no less than 1450 per month per semester for a married student accompanied by his her family 6 The student s sponsoring financial supporting congregation must submit a letter of intent to provide financial support and a current bank statement to validate the amount of the support 7 The student must abide by the University s student rules and regulations as outlined in the student handbook including maintaining a 2 00 GPA each semester The Application Process When to apply Application filing periods are as follows Apply December for a Fall semester start date Apply May for a Spring semester start date Student must pay the non refundable 25 US application fee when submitting the application for enrollment English Language Requirements A proficiency in English is critical to achieving academic success at HCU To be considered for acceptance International students must demonstrate a mastery of the English language by passing the Test of English as a Foreign Language TOEFL exam Exception Students are not required to submit official TOEFL scores if their first language is English and if they are citizens of one of the following countries in which English is the official or national language The minimum accepted score for admission consideration for the TOEFL is 80 or better for the Internet based test and 550 or better for the paper based test We strongly recommend that applicants take the test as early as possible because test scores will be a factor in the admission process Academic Records and Credentials International applicants are required to report their complete academic history within the HCU application however they must not submit academic records to HCU International academic credentials are usually not comparable to U S standards and are sometimes in a different format and language Applicants must have international academic records translated if applicable and then evaluated by a professional academic credential evaluation company HCU recommends the use of World Education Services however applicants may choose one of their own If the applicant prefers WES log on to their website at www wes org to begin the process The World Education Service evaluation must confirm a U S equivalent high school diploma for the undergraduate program or a U S equivalent bachelor s degree for the Master s program Passports F 1 Visa and I 20 All International students must have a passport from their government a Visa from the United States and an official Form I 20 from HCU before they can enter

    Original URL path: http://mail.hcu.edu/financialaid/international (2014-06-13)
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  • Heritage Christian University - Financial Aid - Loan Programs
    interest expense repayment provisions and potential loan servicing fees in order to determine the best choice Important Note about Accepting Federal Direct Loans Prior to receiving any federally funded student loan the Federal Government requires student loan borrowers to complete loan counseling Entrance and Exit to ensure the understanding of Student Borrower Rights and Responsibilities and the obligations students are assuming Loan counseling will also help students to learn about loan terms tips for developing a personal budget and helpful advice on how to manage educational expenses NOTE In accordance with federal regulations HCU has the right to refuse to certify a loan or to certify a loan request for a reduced amount All students receiving Federal Direct student loans at HCU must complete an online ENTRANCE Counseling Session and Sign the Master Promissory Note MPN All students receiving Federal Direct student loans at HCU who file an intent to graduate withdraw or drop below half time enrollment must complete an online EXIT Counseling Session Students will need the PIN number used to complete their FAFSA and should allow approximately 30 minutes to complete the required loan counseling Loan disbursements will NOT be released until the student has completed the Entrance Counseling Session A HOLD is attached to the records of students who are required to complete the Exit Counseling and will remain until the Exit Counseling is complete Because holds will prevent school registration and access to official transcripts students are encouraged to respond in a timely manner when instructed to complete the Exit Counseling Session Primary Student Education Loan Options Federal Direct Loan Subsidized and Unsubsidized Federal Direct Parent Loan for Undergraduate Students PLUS Non Federal Private or Alternative Loans Federal Direct Loans Federal Subsidized Loans have their interest paid by the federal government while the student is in school enrolled at least half time and during the Loan Grace Period Currently the interest rate for federal subsidized loans is 3 86 Federal Unsubsidized Loans accrue interest which the student in responsible for paying from the time the loan is disbursed either to the student or to the student s account Currently the interest rate for federal unsubsidized loans is 3 86 In both cases the loans are made available to the student after the student has completed the FAFSA and has been awarded other forms of federal financial aid In both cases the student is the borrower of the loan and in both cases loan repayment can be deferred for as long as the student is enrolled at least half time With the Federal Parent Loan for Undergraduate Students PLUS the parent of the dependent undergraduate student is the borrower of the loan The loan can be made available after the student has completed the FAFSA and has been awarded other forms of federal financial aid The parent may borrow up to the cost of attendance minus other forms of aid for each academic year Like the federal direct Unsubsidized Loan interest accrues from the time the

    Original URL path: http://mail.hcu.edu/financialaid/loans (2014-06-13)
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  • Heritage Christian University - Financial Aid - Office Information
    PROGRESS VERIFICATION AND DISBURSEMENT WITHDRAWAL AND RETURN OF FUNDS STUDENT EMPLOYMENT FINANCIAL AID HANDBOOK IMPORTANT UPDATES Financial Aid Office Information You may call the Office of Financial Aid at 256 766 6610 x303 email at JavaScript must be enabled to view this email address or visit us on campus No appointment is necessary except during registration We are located in the Office of Enrollment Services Office hours are 10 00am

    Original URL path: http://mail.hcu.edu/financialaid/contact (2014-06-13)
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  • Heritage Christian University - Financial Aid - Verification and Disbursement of Financial Aid
    award year ALL FAFSA applicants and parents of dependent applicants who indicate they have filed or will file a 2012 federal tax return will be directed to use the IRS Data Retrieval Tool to report and or update their income information on the FAFSA When prompted to do so on the FAFSA click Link To IRS Your FAFSA will be saved and you will be transferred to the IRS Web site On the IRS Web site enter the requested information Once the IRS has validated your identification your IRS tax information will display You can either transfer your information from the IRS or choose to return to FAFSA on the Web from the IRS Web site If you do not transfer your information or choose not to return from the IRS Web site you will have to log in to open your saved FAFSA If you transfer your IRS tax information questions that are populated with tax information will be marked with Transferred from the IRS This step needs to be completed for both student and parent if both have filed federal tax returns Once the IRS transfer for the student is complete click back into the FAFSA and complete the same process for parent tax information with the IRS Data Retrieval Tool Updating Your FAFSA Information Families who have completed their initial FAFSA with estimated income and have since completed their federal tax returns should use the data retrieval process to update the FAFSA by logging back into their FAFSA and Click View Processed FAFSA Then Make Corrections to a Processed FAFSA Then select Financial Information and change the tax filing status to Filed Families who have completed their initial FAFSA and chose not to use the IRS Data Retrieval Tool are encouraged as well to update the FAFSA Applicants can go back into the FAFSA and choose the IRS Data Retrieval tool and resubmit the FAFSA NOTE Applicants who retrieve IRS data but subsequently change it will be informed that they will need to explain why the information they provided is more accurate than the information that would have been obtained directly from the IRS They will need to provide information obtained directly from the IRS Timeline to Complete Federal Verification Requirements Students who are notified that their SAR has been selected for Verification are advised to begin collecting the necessary data and or documents as soon as possible Click here to view the Timeline to submit Verification Documents Fall 2013 When a Students is not Required to File a 2012 Federal Tax Return Not everyone is required to file a tax return Some people may be able to forgo the federal tax filing process based on IRS s policy for filing Click here to find out if you need to complete a federal tax return Students who are not required to file a 2012 Federal Tax Return Dependent Students students who were required to provide parent information on the FAFSA If a parent or dependent student is

    Original URL path: http://mail.hcu.edu/financialaid/disbursement (2014-06-13)
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  • Heritage Christian University - Financial Aid - Financial Aid Handbook
    student s rights and responsibilities as a federal loan borrower All students are encouraged to read the contents of the handbook carefully It serves as a student guide to information about the financial aid programs and policies at Heritage Christian University This handbook is one of the many channels of communication the Office of Financial Aid maintains to generate an effective financial aid support system for students Please click here to access the Heritage Christian University Understanding Your Financial Aid Handbook Should you need further explanation of the items covered in this handbook contact the Office of Financial Aid In addition to our new online financial education support resources the HCU Office of Financial Aid now has the following fact sheets brochures book markers folders and magnets for your convenience Federal Student Aid at a Glance Do you need money for college Fact Sheet Your Federal Student Loans Learn the Basics and Manage Your Debt Booklet Entrance Counseling Guide for Direct Loan Borrowers Booklet Exit Counseling Guide for Direct Loan Borrowers Booklet Save Your Money Save Your Identity How Financial Aid Applicants can avoid Fraud and Identity Theft Brochure Help for Defaulted Borrowers You Have Options Booklet Need Money for College Book marker Student Loan Repayment Four Steps to Take Now Brochure Deferment and Forbearance Do You Need Student Loan Payment Relief Brochure Resolve Your Default Restore Your Good Credit Brochure Education Loan Organizer Inside Rights and Responsibilities Glossary of Terms Folder Know What You Owe National Student Loan Data System NSLDS Refrigerator Magnet College Ready Dollars and Decisions on the Road to Education Booklet FAFSA Tips How to complete the Free Application for Federal Student Aid Brochure Direct Loan Basics for Students Brochure Direct PLUS Loan Basics for Parents Brochure FAFSA Filing Time pamphlet Federal Student Aid Grant Program

    Original URL path: http://mail.hcu.edu/financialaid/financial-aid-handbook (2014-06-13)
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  • Heritage Christian University - Financial Aid - Important Financial Aid Updates
    at 24 000 for 2014 2015 Verification Changes For the 2014 2015 academic year Verification items are the same as those for the 2013 2014 award year with one addition Other Untaxed Income Certain applicants will be required to verify the untaxed income information they provided on the FAFSA in Question 45 for the student and Question 94 for the dependent student s parents If the financial aid administrator determines that the amounts provided and verified from Question 45 Question 94 and from other income information e g adjusted gross income income earned from work untaxed income not included on the FAFSA do not appear to provide sufficient financial support for the number of household family members reported the applicant and if appropriate the applicant s parents or spouse must explain how the family was financially supported during the 2013 calendar year To help streamline the verification process and to reduce the amount of documentation that may be requested we encourage all students to use the IRS Data Retrieval when completing the FAFSA Pell Grant Eligibility The duration of Pell Grant eligibility remains to the equivalent of 12 full time semesters The Federal Pell Grant maximum award for 2014 2015 Award Year is 5 730 This maximum Pell Grant award for 2014 2015 is an increase of 85 from the 5 645 maximum Pell Grant award for 2013 2014 The corresponding maximum Pell Grant eligible Expected Family Contribution EFC for 2014 2015 is 5 157 as compared to 5 085 for the 2013 2014 which means more students would qualify for Pell Grant Repeat Course Policy for Financial Aid Purposes Changes in federal regulations 34 CFR Section 668 2 now require the Office of Financial Aid to monitor and adjust a student s enrollment level for Title IV aid if or when they repeat course work for credit that they have already earned Students can retake courses and receive federal aid if they had previously failed a course but can only receive financial aid one more time for a course that has been previously passed A passing grade is defined as D or better The policy allows a student to receive financial aid under the following situations To repeat any failed course until a passing grade is received To repeat one time any course in which you previously received a passing grade Dropping Adding Classes New stricter rules require students to attend and complete their enrolled hours or pay their financial aid back even if they still owe tuition Please contact the Office of Financial Aid at JavaScript must be enabled to view this email address BEFORE you add or drop classes Both may significantly affect your financial aid award Private Education Loan Self Certification Form New regulations recently passed now require all private loan borrowers to complete sign and return a Private Education Loan Applicant Self Certification form to their lender before any funds may be disbursed to the school This form was designed to assist students in making

    Original URL path: http://mail.hcu.edu/financialaid/important (2014-06-13)
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